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 17, 2008
                                                         -----------------

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

             Delaware                    0-28815                  06-1241321
             --------                    -------                  ----------
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  filing  is  intended  to
simultaneously  satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

[_]   Written  communications  pursuant to Rule 425 under the Securities Act (17
      CFR 230.425)

[_]   Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
      240.14a-12)

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

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

<PAGE>

Section 2. Financial Information
           ---------------------

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

            On November 17, 2008,  First Litchfield  Financial  Corporation (the
            "Company") issued a press release  announcing  financial results for
            the third quarter  ending  September 30, 2008.  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 17, 2008.



                                   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 17, 2008


                                        2