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 January 28, 2004 -------------------------------------------------------------------------------- Date of report (Date of earliest event reported) TierOne Corporation -------------------------------------------------------------------------------- (Exact name of registrant as specified in its charter) Wisconsin 000-50015 04-3638672 -------------------------------------------------------------------------------- (State or other jurisdiction (Commission (IRS Employer of incorporation) File Number) Identification No.) 1235 "N" Street, Lincoln, Nebraska 68508 -------------------------------------------------------------------------------- (Address of principal executive offices) (Zip Code) (402) 475-0521 -------------------------------------------------------------------------------- (Registrant's telephone number, including area code) Not Applicable -------------------------------------------------------------------------------- (Former name or former address, if changed since last report) ITEM 7. Financial Statements, Pro Forma Financial Information and Exhibits. (a) Not applicable. (b) Not applicable. (c) Exhibits The following exhibit is filed herewith. Exhibit Number Description 99.1 Press Release dated January 28, 2004 ITEM 12. Results of Operations and Financial Condition On January 28, 2004, TierOne Corporation (the "Company") issued a press release announcing its results of operations for the quarter and year ended December 31, 2003. The Company's press release dated January 28, 2004, is attached hereto as an exhibit to this Form 8-K and is incorporated herein by reference. The press release attached hereto is being furnished to the SEC and shall not be deemed to be "filed" for any purpose. 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 thereunto duly authorized. TIERONE CORPORATION Date: January 29, 2004 By: /s/ Gilbert G. Lundstrom ------------------------ Gilbert G. Lundstrom Chairman of the Board and Chief Executive Officer EXHIBIT INDEX Exhibit Number Description -------------- ----------- 99.1 Press Release dated January 28, 2004