U.S. SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                  FORM 10-KSB/A


[X]  ANNUAL REPORT UNDER SECTION 13 OR 15(d) OF THE  SECURITIES  EXCHANGE ACT OF
     1934

     For the Fiscal Year Ended September 30, 2003


[_]  TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES  EXCHANGE ACT
     OF 1934

         For the transition period from _________ to __________

                         Commission File Number: 0-30483


                           DUTCHFORK BANCSHARES, INC.
                 (Name of small business issuer in its charter)

       DELAWARE                                          57-1094236
(State or other jurisdiction of             (I.R.S. Employer Identification No.)
incorporation or organization)

1735 Wilson Road, Newberry, South Carolina                               29108
(Address of principal executive offices)                              (Zip Code)

                    Issuer's telephone number: (803) 321-3200
        Securities registered pursuant to Section 12(b) of the Act: None
           Securities registered pursuant to Section 12(g) of the Act:

                     Common Stock, par value $0.01 per share
                                (Title of Class)

     Check whether the issuer (1) filed all reports required to be filed by
Section 13 or 15(d) of the Exchange Act during the past 12 months (or for such
shorter period that the registrant was required to file such reports), and (2)
has been subject to such filing requirements for the past 90 days. Yes [X] No
[_]

     Check if there is no disclosure of delinquent filers in response to Item
405 of Regulation S-B contained in this form, and no disclosure will be
contained, to the best of the registrant's knowledge, in definitive proxy or
information statements incorporated by reference in Part III of the Form 10-KSB
or any amendment to this Form 10-KSB.

     The issuer's gross revenues for the fiscal year ended September 30, 2003
were $15,548,560.

     The aggregate market value of the voting and non-voting common equity held
by non-affiliates was $40,741,654 based upon the average of the bid and asked
price ($41.11 per share) as quoted on the Nasdaq SmallCap Market on December 19,
2003. Solely for purposes of this calculation, the shares held by the directors
and officers of the registrant are deemed to be held by affiliates.

     The number of shares outstanding of the registrant's common stock as of
December 15, 2003 was 1,127,841.

                       DOCUMENTS INCORPORATED BY REFERENCE

     Portions of the 2003 Annual Report to Stockholders and of the Proxy
Statement for the 2004 Annual Meeting of Stockholders are incorporated by
reference in Parts II and III, respectively, of this Form 10-KSB

     Transitional Small Business Disclosure Format (check one): Yes [_] No [X]






<PAGE>

                                EXPLANATORY NOTE

     DutchFork Bancshares, Inc. is filing this amendment to its Annual Report on
Form 10-KSB,  originally  filed with the Securities  and Exchange  Commission on
December  29,  2003,  solely  for the  purpose  of  filing  additional  exhibits
previously  omitted  from the 10-KSB and to revise the  exhibit  list to include
omitted  exhibit  numbers.

ITEM 13.          EXHIBITS AND REPORTS ON FORM 8-K.

     (a)  (1) The following are filed as a part of this report by means of
              incorporation to DutchFork Bancshares' 2003 Annual Report to
              Stockholders as  previously  filed as  Exhibit 13 to the 2003
              Form 10-KSB.


               o    Report of Independent Auditor

               o    Consolidated Balance Sheets as of September 30, 2003 and
                    2002

               o    Consolidated Statements of Income for the Years Ended
                    September 30, 2003 and 2002

               o    Consolidated Statements of Comprehensive Operations for the
                    Years Ended September 30, 2003 and 2002

               o    Consolidated Statements of Changes in Stockholders' Equity
                    for the Years Ended September 30, 2003 and 2002

               o    Consolidated Statements of Cash Flows for the Years Ended
                    September 30, 2003 and 2002

               o    Notes to Consolidated Financial Statements

          (2)  All financial statement schedules are omitted because they are
               not required or applicable, or the required information is shown
               in the consolidated financial statements or the notes thereto.

          (3)  Exhibits

                    3.1  Certificate of Incorporation of DutchFork Bancshares,
                         Inc.(1)
                    3.2  Bylaws of DutchFork Bancshares, Inc.(1)
                    4.0  Specimen Stock Certificate of DutchFork Bancshares,
                         Inc.(1)
                    10.1 Newberry Federal Savings Bank Employment Agreement with
                         J. Thomas Johnson(2)
                    10.2 Newberry Federal Savings Bank Employment Agreement with
                         Steve P. Sligh(2)
                    10.3 DutchFork Bancshares, Inc. Employment Agreement with J.
                         Thomas Johnson(2)
                    10.4 DutchFork Bancshares, Inc. Employment Agreement with
                         Steve P. Sligh(2)
                    10.5 Newberry Federal Savings Bank Employee Severance
                         Compensation Plan(1)
                    10.6 Adoption Agreement for Employees' Savings & Profit
                         Sharing Plan and Trust(1)
                    10.7 DutchFork Bancshares, Inc. 2001 Stock-Based Incentive
                         Plan(3)
                    10.8 Newberry Federal Savings Bank Director Deferred
                         Compensation Plan(4)
                    10.9 Form of Newberry Federal Savings Bank Split Dollar
                         Agreement
                    10.10 Newberry Federal Savings Bank Salary Continuation
                         Agreement with Thomas Johnson
                    10.11 Newberry Federal Savings Bank Salary Continuation
                         Agreement with Steve P. Sligh

<PAGE>

                    10.12 DutchFork Bancshares, Inc. Noncompetition Agreement
                          with J. Thomas Johnson
                    10.13 DutchFork Bancshares, Inc. Noncompetition Agreement
                          with Steve P. Sligh
                    10.14 Form of  Newberry  Federal  Savings  Bank  Directors &
                          Retirement Agreement
                    13.0  Annual Report to Stockholders(5)
                    21.0  List of Subsidiaries(5)
                    23.0  Consent of Clifton D. Bodiford, CPA(5)
                    31.1  Rule 13a-14(a)/15d-14(a) Certification of Chief
                          Executive Officer
                    31.2  Rule 13a-14(a)/15d-14(a) Certification of Chief
                          Financial Officer
                    32.1  Section 1350 Certification of Chief Executive
                          Officer(5)
                    32.2  Section 1350 Certification of Chief Financial
                          Officer(5)
          ____________________

          (1)  Incorporated  herein by reference from the Exhibits to Form SB-2,
               Registration Statement and amendments thereto, initially filed on
               March 8, 2000, Registration No. 333-31986.

          (2)  Incorporated herein by reference from the Exhibits to the Annual
               Report on Form 10-KSB for the fiscal year ended September 30,
               2000, filed on December 12, 2000, Registration No. 000-30483.

          (3)  Incorporated herein by reference from the Definitive Proxy
               Statement for the 2001 Annual Meeting of Stockholders, as
               amended, initially filed on December 21, 2000, Registration No.
               000-30483.

          (4)  Incorporated herein by reference from the Exhibits to Form S-8,
               Registration Statement, filed on August 23, 2001, Registration
               No. 333-68214.

          (5)  Incorporated herein by reference from the Annual Report on Form
               10-KSB for the fiscal year ended September 30, 2003, filed on
               December 29, 2003, Registration No. 000-30483.

     (b)  Reports on Form 8-K

          On August 4, 2003, DutchFork Bancshares furnished a Current Report on
          Form 8-K announcing its financial results for the quarter ended June
          30, 2003.




<PAGE>

CONFORMED

                                   SIGNATURES

     In accordance with Section 13 or 15(d) of the Securities Exchange Act of
1934, the Registrant caused this report to be signed on its behalf by the
undersigned, thereunto duly authorized.

                                     DUTCHFORK BANCSHARES, INC.


Date: January 7, 2004                By:  /s/ J. Thomas Johnson
                                          --------------------------------------
                                          J. Thomas Johnson
                                          President, Chief Executive Officer and
                                          Chairman of the Board