UNITED STATES SECURITIES AND EXCHANGE COMMISSION

                        WASHINGTON, D.C. 20549-1004


                           --------------------
                                 FORM 8-K

                              CURRENT REPORT

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


                     Date of Report: September 30, 2003


                       FINANCIAL FEDERAL CORPORATION
          (Exact name of Registrant as specified in its charter)



         Nevada                     1-12006                88-0244792
(State of incorporation)    (Commission file number)    (I.R.S. Employer
                                                       Identification No.)



                733 Third Avenue, New York, New York 10017
                 (Address of principal executive offices)
                                (Zip Code)



                              (212) 599-8000
           (Registrant's telephone number, including area code)


<PAGE>

Item 7.  FINANCIAL STATEMENTS AND EXHIBITS
         ---------------------------------

     (C)  Exhibits:

        99.1   Press Release of Financial Federal Corporation (the
               "Registrant") dated September 30, 2003 announcing earnings
               for the fiscal year ended July 31, 2003 (furnished, and not
               filed, herewith solely pursuant to Item 12).


Item 12.  DISCLOSURE OF RESULTS OF OPERATIONS AND FINANCIAL CONDITION
          -----------------------------------------------------------

     On September 30, 2003, the Registrant reported its results of operations
for its fiscal year ended July 31, 2003.  A copy of the press release issued
by the Registrant reporting these results is furnished herewith as Exhibit
99.1 and is incorporated herein by reference.

     The information contained herein and in the accompanying exhibit shall
not be deemed "filed" for purposes of Section 18 of the Securities Exchange
Act of 1934, as amended (the "Exchange Act"), or otherwise subject to the
liabilities of that section, nor shall it be deemed incorporated by
reference in any filing under the Securities Act of 1933, as amended, or the
Exchange Act, except as expressly set forth by specific reference in such a
filing.

     In addition to reporting financial results in accordance with
generally accepted accounting principles ("GAAP"), the Registrant provides
net earnings and diluted earnings per share excluding the $1.1 million
after-tax loss on the redemption of the Registrant's convertible debt. These
measures are not in accordance with GAAP.  The Registrant's management
believes these amounts to be useful to investors in comparing the
Registrant's current operating performance to past and future fiscal
periods.  The excluded loss was a result of the Registrant calling its 4.5%
convertible subordinated notes for redemption.  The notes were called to
eliminate their dilutive effect.  This was a non-recurring event.

                                    2
<PAGE>

                              EXHIBIT INDEX


Exhibit No.   Description of Exhibit
-----------   --------------------------------------------------------------
99.1          Press Release of Financial Federal Corporation (the
              "Registrant") dated September 30, 2003 announcing earnings for
              the fiscal year ended July 31, 2003 (furnished, and not filed,
              herewith solely pursuant to Item 12).

                                    3
<PAGE>

                                SIGNATURE


     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.



                                   FINANCIAL FEDERAL CORPORATION
                                   -----------------------------
                                   (Registrant)


                                   By:  /s/ Steven F. Groth
                                        ----------------------------------
                                        Senior Vice President and
                                        Chief Financial Officer (Principal
                                        Financial Officer)


October 2, 2003
---------------
(Date)