UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549
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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): October 23, 2003
COOPERATIVE BANKSHARES, INC.
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(Exact Name of Registrant as Specified in Charter)
North Carolina 0-24626 56-1886527
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(State or Other Jurisdiction (Commission (I.R.S. Employer
of Incorporation) File Number) Identification No.)
201 Market Street, Wilmington, North Carolina 28401
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(Address of Principal Executive Offices) (Zip Code)
Registrant's telephone number, including area code: (910) 343-0181
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Not Applicable
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(Former Name or Former Address, if Changed Since Last Report)
ITEM 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS
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(a) Not applicable.
(b) Not applicable.
(c) The following exhibit is filed herewith:
Exhibit 99 Press Release dated October 23, 2003 and
accompanying financial tables
ITEM 12. RESULTS OF OPERATION AND FINANCIAL CONDITION
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On October 23, 2003, Cooperative Bankshares, Inc. issued a press release
announcing its unaudited financial results for the quarter and nine months ended
September 30, 2003. A copy of the press release is attached to this Report as an
exhibit and is incorporated herein by reference.
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 hereunto duly authorized.
COOPERATIVE BANKSHARES, INC.
By:/s/ Frederick Willetts, III
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Frederick Willetts, III, President
Date: October 23, 2003