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): October 23, 2003

CONCORD EFS, INC.

(EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER)

Delaware		001-31527		04-2462252
(State or other jurisdiction of incorporation)		(Commission File Number)		(IRS Employer Identification No.)

2525 Horizon Lake Drive, Suite 120, Memphis, Tennessee, 38133

(Address of Principal Executive Offices, including Zip Code)

(901) 371-8000

(Registrant’s Telephone Number, Including Area Code)

Not Applicable

(Former Name or Former Address, if Changed Since Last Report)

Item 12. Results of Operations and Financial Conditions.

On October 23, 2003, Concord EFS, Inc. issued a press release containing earnings information for its third quarter of 2003 ended September 30, 2003. A copy of the press release is furnished as Exhibit 99.1 hereto and is incorporated herein by reference.

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.

	CONCORD EFS, INC.

Date: October 23, 2003	By:	/S/ EDWARD T. HASLAM

	Its:	Edward T. Haslam Senior Vice President, Chief Financial Officer and Treasurer

Exhibit Index

The following is a list of the Exhibits furnished herewith.

Exhibit Number		Description of Exhibit

99.1		Press release issued by Concord EFS, Inc. dated October 23, 2003.

CONCORD EFS INC 8-K