~~Table~~SECURITIES ofAND ~~Contents~~EXCHANGE COMMISSION

~~SECURITIES~~WASHINGTON, ~~AND~~D. ~~EXCHANGE~~C. ~~COMMISSION~~ 20549

~~WASHINGTON,~~FORM ~~D. C. 20549~~ 8-K

~~FORM~~CURRENT ~~8-K~~ REPORT

~~CURRENT~~Pursuant ~~REPORT~~ to Section 13 or 15 (d) of the Securities Exchange Act of 1934

~~Pursuant~~January to22, ~~Section 13~~2004 ~~or 15~~ (d) Date of ~~the~~earliest ~~Securities~~event ~~Exchange Act of 1934~~ reported)

~~October 23,~~FIRST ~~2003~~ FEDERAL CAPITAL CORP (Exact name of registrant as specified in its charter)

~~(Date~~COMMISSION ofFILE ~~earliest~~NO. ~~event reported)~~ 000-18046

FIRST FEDERAL CAPITAL CORP

WISCONSIN	39-1651288

(State or other jurisdiction of incorporation)	(I.R.S. Employer Identification No.)

605 STATE STREET LA CROSSE, WI	54601

(Address of principal executive offices)	(Zip Code)

(~~Exact~~608) ~~name~~784-8000 of(Registrant’s ~~registrant~~telephone asnumber, ~~specified~~including inarea ~~its charter~~code)

~~COMMISSION~~ITEM ~~FILE NO~~5. ~~000-18046~~ OTHER EVENTS

WISCONSIN		39-1651288
(State or other jurisdiction		(I.R.S. Employer Identification No.)
of incorporation)

First Federal Capital Corp is filing as Exhibit 99.1 to this Form 8-K its press release dated January 22, 2004, announcing earnings for the three and twelve month periods ended December 31, 2003.

605 STATE STREET
LA CROSSE, WI		54601
(Address of principal executive offices)		(Zip Code)

ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS

(608) 784-8000 (Registrant’s telephone number, including area code)

	(a)	N/A

	(b)	N/A

	(c)	Exhibit No. Description

	99.1	Press Release dated January 22, 2004.

~~TABLE OF CONTENTS~~SIGNATURES

~~SIGNATURES~~Pursuant ~~EX-99.1~~to ~~Press~~the ~~Release~~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.

~~Table~~FIRST ofFEDERAL ~~Contents~~CAPITAL CORP

ITEM 5. OTHER EVENTS

Date: January 22, 2004	By:	/s/ Michael W. Dosland

		Michael W. Dosland, Senior Vice President, and Chief Financial Officer

~~First~~EXHIBIT ~~Federal Capital Corp is filing as Exhibit 99.1 to this Form 8-K its press release dated October 23, 2003, announcing earnings for the three and nine month periods ended September 30, 2003~~ INDEX

ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS

Exhibit No.	Description

99.1	Press Release dated January 22, 2004.

(a)		N/A
(b)		N/A
(c)		Exhibit No. Description
99.1		Press Release, dated October 23, 2003.

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.

FIRST FEDERAL CAPITAL CORP

Date: October 23, 2003	By:	/s/ Michael W. Dosland
		Michael W. Dosland, Senior Vice
		President, and Chief Financial Officer

EXHIBIT INDEX

Exhibit No.		Description
99.1		Press Release, dated October 23, 2003

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