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): November 13, 2007
                                                        -----------------

                     FIRST LITCHFIELD FINANCIAL CORPORATION
                     --------------------------------------
               (Exact name of Registrant as Specified in Charter)

           Delaware                     0-28815                 06-124132
           --------                     -------                 ---------
(State or other jurisdiction          (Commission             (IRS Employer
    of  incorporation)                File Number)          Identification No.)


    13 North Street, Litchfield, Connecticut               06759
    ----------------------------------------               -----
    (Address of principal executive offices)             (zip code)


       Registrant's telephone number, including area code: (860) 567-8752
                                                           --------------

                                       N/A
                                       ---
          (Former Name or Former Address, if Changed Since Last Report)

Check the  appropriate  box below if the Form 8-K is intended to  simultaneously
satisfy the filing  obligations  of the  registrant  under any of the  following
provisions (see General Instructions A.2. below):

[_]   Written  communications  pursuant to Rule 425 under the Securities Act (12
      C.F.R. 230.425)

[_]   Soliciting  material  pursuant  to Rule 14a-2 under the  Exchange  Act (17
      C.F.R. 240.14a-12)

[_]   Pre-commencement  communications  pursuant  to  Rule  14d-2(b)  under  the
      Exchange Act (17 C.F.R. 240.14d-2(b))

[_]   Pre-commencement  communications  pursuant  to  Rule  13e-4(c)  under  the
      Exchange Act (17 C.F.R. 240.13e-4(c))

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Section 2.  Financial Information

            Item 2.02 Results of Operations and Financial Condition.
                      ---------------------------------------------

            On November 13, 2007,  First Litchfield  Financial  Corporation (the
            "Company") issued a press release  announcing  financial results for
            the third quarter  ending  September 30, 2007.  The press release is
            attached as Exhibit 99.1 and is incorporated herein by reference.

Section 9.  Financial Statements and Exhibits
            ---------------------------------

            Item 9.01 Financial Statements and Exhibits.

            (a)   Not Applicable.

            (b)   Not Applicable.

            (c)   Exhibits
                  --------

                  Exhibit Index

                  Exhibit 99.1 Press Release dated November 13, 2007.


                                   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 hereto duly authorized.


                                     FIRST LITCHFIELD FINANCIAL CORPORATION


                                     By  /s/ JOSEPH J. GRECO
                                         Joseph J. Greco
                                         President and Chief Executive Officer


Dated:   November 13, 2007


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