GFSB BANCORP INC
8-K/A, 2000-11-09
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                   FORM 8-K/A

                                 CURRENT REPORT

                       Pursuant to Section 13 or 15(d) of
                       the Securities Exchange Act of 1934


                Date of Report (Date of earliest event reported)
                                November 8, 2000



                               GFSB Bancorp, Inc.
--------------------------------------------------------------------------------
             (Exact name of Registrant as specified in its Charter)



         Delaware                  0-25854                    04-2095007
----------------------------    --------------            ----------------------
(State or other jurisdiction    (SEC File No.)               (IRS Employer
of incorporation)                                         Identification Number)



221 West Aztec Avenue, Gallup, New Mexico                        87301
-----------------------------------------                    ------------
(Address of principal executive offices)                      (Zip Code)



Registrant's telephone number, including area code:         (505) 726-6500
                                                            --------------



                                 Not Applicable
 -------------------------------------------------------------------------------
          (Former name or former address, if changed since last Report)






<PAGE>

                               GFSB BANCORP, INC.

                      INFORMATION TO BE INCLUDED IN REPORT
                      ------------------------------------


Item 5.       Other Events
-------       ------------

         The  Registrant  filed an amended  press  release on  November  8, 2000
regarding its 25% stock dividend on the Company's outstanding common stock.

         For  further  details,  reference  is made to the Press  Release  dated
November 8, 2000, which is attached hereto as Exhibit 99 and incorporated herein
by this reference.


Item 7.       Financial Statements, Pro Forma Financial Information and Exhibits
-------       ------------------------------------------------------------------

Exhibit 99 -- Press Release




<PAGE>
                                   SIGNATURES


         Pursuant to the  requirements  of the Securities  Exchange Act of 1934,
the  registrant  has duly  caused  this report to be signed on its behalf by the
undersigned, thereunto duly authorized.


                                          GFSB Bancorp, Inc.


Date:    November 9, 2000                 By:   /s/Jerry R. Spurlin
                                                --------------------------------
                                                Jerry R. Spurlin
                                                Chief Financial Officer
                                                (Duly Authorized Representative)





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