===========================================================================

                                UNITED STATES
                     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 26, 2004

                           FALMOUTH BANCORP, INC.
           (Exact name of registrant as specified in its charter)

          Delaware                    01-13465               04-3337685
(State or other jurisdiction        (Commission            (IRS Employer
      of incorporation)             File Number)        Identification No.)

                    20 Davis Straits, Falmouth, MA 02540
             (Address of principal executive offices)(Zip Code)

     Registrant's telephone number, including area code: (508) 548-3500

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





Items 1 through 6.  Not applicable.

Item 7.     Financial Statements and Exhibits

      (a)   No financial statements are required to be filed with this report.

      (b)   No pro forma financial information is required to be filed with
            this report.

      (c)   The following exhibit is filed as part of this Report:

      Exhibit No.    Description
      -----------    -----------

      99.1           Press release issued by Falmouth Bancorp, Inc. on
                     January 26, 2004, furnished in accordance with Item 12
                     of this Current Report on Form 8-K.

Items 8 through 11.  Not applicable.

Item 12.    Results of Operations and Financial Condition

      On January 26, 2004, Falmouth Bancorp, Inc. announced its earnings
for the first quarter of the 2004 fiscal year. A copy of the press release
dated January 26, 2004, describing first quarter earnings is attached as
Exhibit 99.1.

      This information and Exhibit 99.1 shall not be deemed "filed" for
purposes of Section 18 of the Securities Exchange Act of 1934, as amended
(the "Exchange Act"), or otherwise subject to the liabilities of that
section, nor shall it be deemed incorporated by reference in any filing
under the Securities Act of 1933, as amended, or the Exchange Act, except
as shall be expressly set forth by specific reference in such a filing.





                                 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.

                                       FALMOUTH BANCORP, INC.

                                       By: /s/ Santo P. Pasqualucci
                                           --------------------------------
                                           Santo P. Pasqualucci
                                           President and Chief Executive
                                           Officer

Date: January 27, 2004





                                EXHIBIT INDEX

Exhibit                 Description
-------                 -----------

  99.1     Press Release dated January 26, 2004.