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): February 5, 2004



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

       Colorado                           0-23409                84-1438612
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(State or Other Jurisdiction of         (Commission           (I.R.S. Employer
Incorporation)                          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
                                                           --------------


                                       N/A
          -------------------------------------------------------------
          (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 February 5, 2004


ITEM 12.  RESULTS OF OPERATIONS AND FINANCIAL CONDITION
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     On February 5, 2004,  High Country  Bancorp,  Inc.  issued a press  release
announcing its unaudited  financial results for the quarter and six months ended
December 31, 2004. A copy of the press  release is attached to this Report as an
exhibit and is furnished herewith.









                                   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 and Chief Executive Officer


Date:  February 6, 2004