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): July 18, 2003


                                ________________

                          First Midwest Financial, Inc.
             (Exact name of registrant as specified in its charter)


                                 _______________


         Delaware                          0-22140                42-1406262
(State or other jurisdiction of        (Commission File)        (IRS Employer
 incorporation or organization)             Number           Identification No.)

                       Fifth at Erie, Storm Lake, IA 50588
               (Address of principal executive offices)(Zip Code)


       Registrant's telephone number, including area code: (712) 732-4117

                               ___________________




                                TABLE OF CONTENTS

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

Item 9.      Regulation FD Disclosure (information furnished in this Item 9 is
             furnished under Item 12).

Signatures

Exhibit Index

Exhibit 99.1



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

      (c)  Exhibits.
           --------
             The following Exhibit is being furnished herewith:

             99.1     Registrant's Press Release dated July 18, 2003.

Item 9.      Regulation FD Disclosure (information furnished in this Item 9 is
             furnished under Item 12).

     In accordance with Securities Exchange Commission Release No. 33-8216,  the
following information, which is intended to be furnished under Item 12, "Results
of Operations and Financial Condition," is instead being furnished under Item 9,
"Regulation FD  Disclosure."  This  information  shall not be deemed "filed" for
purposes of Section 18 of the  Securities  Exchange Act of 1934, as amended (the
"Exchange Act"), or incorporated by reference in any filing under the Securities
Act of 1933, as amended, or the Exchange Act.

     On July 18, 2003,  the  Registrant  announced the results of operations and
financial  position as of, and for the third  quarter  ended June 30, 2003.  The
press release is attached hereto as Exhibit 99.1 and is  incorporated  herein by
reference.




                                    SIGNATURE

     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.



                                  FIRST MIDWEST FINANCIAL, INC.

                          By:     /s/ Donald J. Winchell
                                  ------------------------------------------
                                  Donald J. Winchell
                                  Senior Vice President, Treasurer and Chief
                                    Financial Officer

Dated:  July 18, 2003



                                  Exhibit Index
                                  -------------

Exhibit
Number                     Description of Exhibit
------                     ----------------------

99.1              Registrant's Press Release dated July 18, 2003