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): April 30, 2003


                           HIGH COUNTRY BANCORP, INC.
       ------------------------------------------------------------------
               (Exact Name of Registrant as Specified in Charter)


          COLORADO                      0-23409                 81-1438612
-------------------------------      -------------           -------------------
(State or Other Jurisdiction of      (Commission              (I.R.S. Employer
Incorporation or Organization)       File Number)            Identification No.)



7360 WEST US HIGHWAY 50, SALIDA, COLORADO                          81201
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(Address of Principal Executive Offices)                         (Zip Code)

       Registrant's telephone number, including area code: (719) 539-2516
       --------------------------------------------------


                                 NOT APPLICABLE
          -------------------------------------------------------------
          (Former Name or Former Address, if Changed Since Last Report)

ITEM 7.  FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS
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     (a)  Not applicable

     (b)  Not applicable

     (c)  The following exhibit is filed herewith:

              Exhibit 99.1          Press Release dated April 30, 2003


ITEM 9.  REGULATION FD DISCLOSURE
---------------------------------

     On April 30, 2003, High Country Bancorp,  Inc. (the "Registrant")  issued a
press release  announcing the payment date of its  semi-annual  cash dividend in
the amount of $.25.  The  Registrant  also  announced  its  unaudited  financial
results  for the quarter and nine  months  ended March 31,  2003.  A copy of the
press  release is  attached  to this  Report as an exhibit  and is  incorporated
herein by reference.  The attached  exhibit is furnished  pursuant to Item 9 and
Item 12 of Form 8-K.


                                   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.

                                      HIGH COUNTRY BANCORP, INC.



                                      By:/s/ Larry D. Smith
                                         --------------------------------------
                                         Larry D. Smith
                                         President

Date:  April 30, 2003


                                  EXHIBIT INDEX


         EXHIBIT NO.                   DESCRIPTION
         ----------                    -----------

           99.1                        Press Release dated April 30, 2003