<PAGE>

                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION

                             WASHINGTON, D.C. 20549

                                   FORM 10-K/A
                                (AMENDMENT NO. 1)

(Mark One)

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

            For the fiscal year ended September 30, 2003
                                       OR

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

            For the transition period from ______________to___________________

                         Commission file number: 0-18993

                          WINTON FINANCIAL CORPORATION
                          ------------------------------
             (Exact name of registrant as specified in its charter)

                  Ohio                                     31-1303854
       -------------------------------                 ------------------
       (State or other jurisdiction of                 (I.R.S. Employer
       incorporation or organization)                  Identification No.)

                    5511 Cheviot Road, Cincinnati, Ohio 45247
                    -----------------------------------------
               (Address of principal executive offices) (Zip Code)

       Registrant's telephone number, including area code: (513) 385-3880

           Securities registered pursuant to Section 12(b) of the Act:
                                      None
                               -------------------

           Securities registered pursuant to Section 12(g) of the Act:
                        Common Shares, without par value
                        --------------------------------
                                (Title of class)

Indicate by check mark whether the registrant (1) has filed all reports required
to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during
the preceding 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 [ ]

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405
of Regulation S-K is not contained herein, and will not be contained, to the
best of registrant's knowledge, in definitive proxy or information statements
incorporated by reference in Part III of this Form 10-K or any amendment to this
Form 10-K. [X]

Indicate by check mark whether the Registrant is an accelerated filer (as
defined in Rule 12b-2 of the Act). Yes [ ] No [X]

Based upon the last sale price quoted by The American Stock Exchange as of March
31, 2003, the aggregate market value of the voting stock held by non-affiliates
of the registrant on that date was $37.9 million.

On December 5, 2003, there were 4,482,254 of the registrant's common shares
issued and outstanding.

                       DOCUMENTS INCORPORATED BY REFERENCE

<TABLE>
<S>                        <C>
Part I of Form 10-K:       Safe Harbor Under the Private Securities Litigation Reform Act of 1995, Exhibit 99.1.
Part II of Form 10-K:      Portions of the Annual Report to Shareholders for the fiscal year ended September 30,
                           2003, Exhibit 13.
Part III of Form 10-K:     Portions of Proxy Statement for 2004 Annual Meeting of Shareholders.
</TABLE>

<PAGE>

                                EXPLANATORY NOTE

      Winton Financial Corporation (the "Company") hereby amends Part IV, Item
14 of its Annual Report on Form 10-K for the fiscal year ended September 30,
2003, as originally filed with the Securities and Exchange Commission on
December 23, 2003 (the "Original Form 10-K"). The Company is filing this
Amendment No. 1 on Form 10-K/A (this "Amendment No. 1") to add the conformed
signature of its independent auditors, Grant Thornton LLP, to the Report of
Independent Certified Public Accountants (the "Report") contained in the
Company's 2003 Annual Report to Shareholders filed as Exhibit 13 to the Original
Form 10-K. The conformed signature of Grant Thornton LLP was inadvertently
omitted from the electronic version of the Original Form 10-K, although the
Company had a manually signed copy of the report when the Original Form 10-K was
filed and the printed version of the 2003 Annual Report to Shareholders
contained a copy of the manually signed report.

      In accordance with the rules of the Securities and Exchange Commission,
the Company has set forth the text of Item 14 and Exhibit 13 in their entirety.
In addition, updated certifications pursuant to Section 302 of the
Sarbanes-Oxley Act of 2002 have been added as Exhibits 31.1 and 31.2 and updated
certifications pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 have
been added as Exhibits 32.1 and 32.2 to this Amendment No. 1. No other
modifications or changes have been made to Item 14 or Exhibit 13 on this
Amendment No. 1. Other than the addition of the conformed signature, the text of
Exhibit 13, including the consolidated financial statements of the Company, is
unchanged.

      This Amendment No. 1 is limited in scope to the portions of the Original
Form 10-K set forth above and does not amend, update, or change any other items
or disclosures contained in the Original Form 10-K. Accordingly, all other items
that remain unaffected are omitted in this filing. None of the amendments to the
Original Form 10-K reflected in this Amendment No. 1 resulted in a change to or
restatement of the financial statements or other financial information included
in the Original Form 10-K.

      This Amendment No. 1 continues to speak as of the date of the original
filing of the Original Form 10-K and we have not updated the disclosures
contained therein to reflect any events that occurred at any subsequent date.
The filing of this Form 10-K shall not be deemed an admission that the Original
Form 10-K, when filed, included any untrue statement of a material fact or
omitted to state a material fact necessary to make a statement therein not
misleading.

                                     PART IV

ITEM  14. EXHIBITS, FINANCIAL STATEMENT SCHEDULES AND REPORTS ON FORM 8-K

          (a) Exhibits

<TABLE>
<S>      <C>
3.1      Articles of Incorporation, as amended through 1999, of Winton Financial Corporation

3.2      Regulations of Winton Financial Corporation, as amended

4        Instruments defining the rights of shareholders

10.1     The Winton Savings and Loan Co. 401(k) Profit Sharing Plan

10.2     Winton Financial Corporation, Stock Option and Incentive Plan, as Amended

10.3     The Winton Financial Corporation 1999 Stock Option and Incentive Plan

10.4     The Winton Financial Corporation 2003 Stock Option and Incentive Plan

10.5     Employment Agreement between WFC, Winton and Robert L. Bollin, dated July 1, 2002

10.6     Employment Agreement between WFC, Winton and Gregory J. Bollin, dated July 1, 2002

10.7     Employment Agreement between WFC, Winton and Jill M. Burke, dated July 1, 2002

10.8     Severance Agreement between Winton and Gregory P. Niesen, dated July 1, 2003
</TABLE>

                                      -2-
<PAGE>

<TABLE>
<S>      <C>
13       Portions of the Winton Financial Corporation 2003 Annual Report to Shareholders

20       Proxy Statement for the 2004 Annual Meeting of Shareholders of Winton Financial
         Corporation

21       Subsidiaries of the Registrant

23       Consent of Grant Thornton LLP regarding WFC's Consolidated Financial Statements and
         Forms S-8 for WFC's 1988 Stock Option Plan, 1999 Stock Option Plan and 401(k)
         Profit Sharing Plan

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     Certification of Chief Executive Officer

32.2     Certification of Chief Financial Officer

99.1     Safe Harbor Under the Private Securities Litigation
         Reform Act of 1995
</TABLE>

         (b)   On July 15, 2003, WFC filed a Form 8-K reporting operating
               results for the quarter ended June 30, 2003.

                                      -3-
<PAGE>

                                   SIGNATURES

      Pursuant to the requirements of Section 13 or 15(d) of the Securities
Exchange Act of 1934, the registrant has duly caused this report to be signed on
its behalf by the undersigned, thereunto duly authorized on October 5, 2004.

                                              WINTON FINANCIAL CORPORATION

                                              By:  /s/ Robert L. Bollin
                                                   -----------------------------
                                                   Robert L. Bollin,
                                                   President and Chief Executive
                                                   Officer

                                      -4-
<PAGE>

                                INDEX TO EXHIBITS

<TABLE>
<CAPTION>
EXHIBIT
NUMBER                     DESCRIPTION                                                       LOCATION
<S>       <C>                                                           <C>
3.1       Articles of Incorporation, as amended through 1999, of        Incorporated by reference to the Annual Report on
          Winton Financial Corporation                                  Form 10-K for the fiscal year ended September 30,
                                                                        2001, filed by WFC with the SEC on December 26, 2001
                                                                        (the "2001 10-K"), Exhibit 3.1.

3.2       Regulations of Winton Financial Corporation, as amended       Incorporated by reference to Exhibit B of the
                                                                        definitive Proxy Statement for the 2003 Annual Meeting
                                                                        of Shareholders filed by WFC with the SEC on December
                                                                        30, 2002 (the "2003 Proxy").

10.1      The Winton Savings and Loan Co. 401(k) Profit Sharing Plan    Incorporated by reference to the Form  S-8 Registration
                                                                        Statement filed by WFC with the SEC on August 28, 2002,
                                                                        Exhibit 4.1.

10.2      Winton Financial Corporation, Stock Option and Incentive      Incorporated by reference to the 2001 10-K, Exhibit 10.4.
          Plan, as Amended

10.3      The Winton Financial Corporation 1999 Stock Option and        Incorporated by reference to the definitive Proxy
          Incentive Plan                                                Statement for the 1999 Annual Meeting of Shareholders
                                                                        filed by WFC with the SEC on December 18, 1998.

10.4      The Winton Financial Corporation 2003 Stock Option and        Incorporated by reference to Exhibit A of the 2003 Proxy.
          Incentive Plan

10.5      Employment Agreement between WFC, Winton and Robert L.        Incorporated by reference to the Annual Report on Form 10-K
          Bollin, dated July 1, 2002                                    for the fiscal year ended September 30, 2002, filed by WFC
                                                                        with the SEC on December 30, 2002 (the "2002 10-K"),
                                                                        Exhibit 10.6.

10.6      Employment Agreement between WFC, Winton and Gregory J.       Incorporated by reference to the 2002 10-K, Exhibit 10.7.
          Bollin, dated July 1, 2002

10.7      Employment Agreement between WFC, Winton and Jill M. Burke,   Incorporated by reference to the 2002 10-K, Exhibit 10.8.
          dated July 1, 2002

10.8      Severance Agreement between Winton and Gregory P. Niesen,     Incorporated by reference to the Annual Report on Form 10-K
          dated July 1, 2003                                            for the fiscal year ended September 30, 2003, filed by WFC
                                                                        with the SEC on December 23, 2003 (the "2003 10-K"),
                                                                        Exhibit 10.8.

13        Portions of the Winton Financial Corporation 2003 Annual
          Report to Shareholders

20        Proxy Statement for the 2004 Annual Meeting of Shareholders   Incorporated by reference to the definitive Proxy Statement
          of Winton Financial Corporation                               for the 2004 Annual Meeting of Shareholders filed by
                                                                        WFC with the SEC on December 29, 2003.

21        Subsidiaries of the Registrant                                Incorporated by reference to the 2002 Form 10-K, Exhibit 21.

23        Consent of Grant Thornton LLP regarding WFC's Consolidated    Incorporated by reference to the 2003 10-K, Exhibit 23.
          Financial Statements and Forms S-8 for WFC's 1988 Stock
          Option Plan, 1999 Stock Option Plan and 401(k) Profit
          Sharing Plan
</TABLE>

                                      -5-
<PAGE>

<TABLE>
<CAPTION>
EXHIBIT
NUMBER                       DESCRIPTION                                                LOCATION
<S>       <C>                                                           <C>
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      Certification of Chief Executive Officer

32.2      Certification of Chief Financial Officer

99.1      Safe Harbor Under the Private Securities Litigation           Incorporated by reference to the 2003 10-K,
          Reform Act of 1995                                            Exhibit 99.1.
</TABLE>

                                      -6-