AAMES FINANCIAL CORP/DE
8-K, 2000-12-21
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                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549
                           ---------------------------

                                    Form 8-K

                                 CURRENT REPORT
                       PURSUANT TO SECTION 13 OR 15(d) OF
                       THE SECURITIES EXCHANGE ACT OF 1934

       Date of Report (Date of earliest event reported): December 19, 2000


                           AAMES FINANCIAL CORPORATION
             (Exact name of Registrant as Specified in Its Charter)


         DELAWARE                     0-19604                95-340340
----------------------------       ----------------       ------------------
(State or Other Jurisdiction        (Commission           (IRS Employer
     of Incorporation)              File Number)          Identification No.)



                       350 South Grand Avenue, 52nd Floor
                          Los Angeles, California 90071
                    (Address of Principal Executive Offices)



                                 (323) 210-5000
              ----------------------------------------------------
              (Registrant's Telephone Number, Including Area Code)


                                       NA
          ------------------------------------------------------------
          (Former Name or Former Address, if Changed Since Last Report)




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ITEM 5.  OTHER EVENTS

         Reference is made to the press release of Registrant issued on December
19, 2000 which contains information meeting the requirements of this Item 5 and
is incorporated herein by this reference. A copy of the press releases are
attached to this Form 8-K as Exhibit 99.1.


ITEM 7.  FINANCIAL STATEMENTS AND EXHIBITS

         (c)               EXHIBITS

         99.1              Press release issued December 19, 2000.












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                                   SIGNATURES

         Pursuant to the requirements of the Securities Exchange Act of 1934, as
amended, the Registrant has duly caused this Current Report on Form 8-K to be
signed on its behalf by the undersigned hereunto duly authorized.


                                            AAMES FINANCIAL CORPORATION





Dated: December 21, 2000                    By: /s/  Ralph W. Flick
                                                -------------------------------
                                                Ralph W. Flick
                                                Assistant Secretary






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                                  EXHIBIT INDEX


EXHIBIT NO.                  DESCRIPTION OF EXHIBIT

      99.1              Press release issued December 7, 2000.








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