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 10, 2004



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

       Colorado                           0-23409                84-1438612
-------------------------------          ---------              ------------
(State or Other Jurisdiction of         (Commission           (I.R.S. Employer
Incorporation)                          File Number)         Identification No.)


            7360 West US Highway 50, Salida, Colorado         81201
           -----------------------------------------------------------
           (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 5.  OTHER EVENTS AND REQUIRED FD DISCLOSURE.
-------------------------------------------------

     On February 10, 2004, High Country Bancorp,  Inc. (the "Company") announced
that it had  notified  Nasdaq of its intent to delist its common  stock from the
Nasdaq  SmallCap  Market as of February 12,  2004.  The Company also stated that
since its  common  stock is held of record by less than 300  persons it would be
terminating the  registration of its common stock under the Securities  Exchange
Act of 1934, as amended (the "1934 Act") by filing a Form 15 with the Securities
and Exchange  Commission  ("SEC") on February  12, 2004.  Upon the filing of the
Form 15, the  obligations  of High  Country  Bancorp,  Inc. to file with the SEC
certain reports and forms,  including 10-KSB,  10-QSB,  8-K and proxy statements
will be suspended.

     For more information,  see the Company's press release,  dated February 10,
2004,  which is attached hereto as Exhibit 99.1 and is incorporated by reference
herein.


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 10, 2004










                                   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 10, 2004