UNITED STATES SECURITIES AND EXCHANGE
COMMISSION
Washington, DC 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 25, 2006

NICHOLAS FINANCIAL, INC.
(Exact name of registrant as specified in its Charter)

British Columbia, Canada
0-26680
8736-3354
(State or Other Jurisdiction of
(Commission
(I.R.S. Employer
Incorporation or Organization)
File Number)
Identification No.)
 
2454 McMullen Booth Road, Building C
  
Clearwater, Florida
33759
(Address of Principal Executive Offices)
(Zip Code)

(727) 726-0763
(Registrant's telephone number, Including area code)

Not applicable
(Former name, former address and former fiscal year, if changed since last report)
 
 

Item 2.02  Results of Operations and Financial Condition

 
Item 9.01 Financial Statements and Exhibits

Exhibit #
Description

34
Press release dated January 25, 2006.
 

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.

NICHOLAS FINANCIAL, INC.
(Registrant)

     
 
 		  
 		  
 
Date: January 25, 2006   /s/ Peter L. Vosotas
 
Peter L. Vosotas
 
Chairman, President, Chief Executive Officer
(Principal Executive Officer)
     
 
 		  
 		  
 
Date: January 25, 2006   /s/ Ralph T. Finkenbrink
 
Ralph T. Finkenbrink
 
(Principal Financial Officer and Accounting Officer)
 

Exhibit Index

Exhibit
Description

 
34
Press release dated January 25, 2006.