SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 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) July 19, 2004

(Exact Name of Registrant as Specified in its Charter)

Pennsylvania
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(State or Other Jurisdiction of Incorporation)

0-12508
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(Commission File Number)

25-1434426
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(IRS Employer Identification No.)

43 South Ninth Street, Indiana, PA
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(Address of Principal Executive Offices)

15701
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Zip Code

Registrant's telephone number, including area code

(800) 325-2265
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Item 12 - Results of Operations and Financial Condition

     On July 19, 2004, S&T Bancorp, Inc. announced by press release its earnings for the quarter ended June 30, 2004. A copy of the press release is attached hereto as Exhibit 99.1. The information contained in this Report on form 8-K is furnished pursuant to Item 12 and shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, nor shall such information be deemed incorporated by reference in any filing under the Securities Exchange Act of 1933, as amended, except as shall be expressly set forth by specific reference in such filing.

Item 7 - Financial Statements, Proforma Financial Information and Exhibits

(c) Exhibits

(99.1) Press Release

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed by the undersigned thereunto duly authorized.

July 19, 2004

Robert E. Rout
Executive Vice President,
Chief Financial Officer and Secretary