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) January 3, 2005

(Exact Name of Registrant as Specified in its Charter)

Pennsylvania
_________________

(State or Other Jurisdiction of Incorporation)

0-12508
_________________

(Commission File Number)

25-1434426
_________________

(IRS Employer Identification No.)

43 South Ninth Street, Indiana, PA
__________________________________________
(Address of Principal Executive Offices)

15701
___________________
Zip Code

Registrant's telephone number, including area code

(800) 325-2265
___________________

Item 8.01 - Other Events

S&T Bancorp, Inc., the holding company for S&T Bank, announced today that it has acquired Bennett Associates, Inc. and Cowher - Nehrig & Co., (the Bennett Group), two multi-line insurance agencies. These agencies, which are located in Ebensburg and Nanty Glo, Cambria County, Pennsylvania, respectively, will retain their current office locations .

Item 9.01 - Financial Statements and Exhibits

(c) Exhibits

(99) Press Release

SIGNATURES

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

January 3, 2005

Robert E. Rout
Senior Executive Vice President,
Chief Financial Officer and Secretary