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<ACCESSION-NUMBER>0000950129-05-007214
<TYPE>8-K
<PUBLIC-DOCUMENT-COUNT>1
<PERIOD>20050720
<ITEMS>8.01
<FILING-DATE>20050721
<DATE-OF-FILING-DATE-CHANGE>20050721
<FILER>
<COMPANY-DATA>
<CONFORMED-NAME>HANMI FINANCIAL CORP
<CIK>0001109242
<ASSIGNED-SIC>6021
<IRS-NUMBER>954788120
<STATE-OF-INCORPORATION>DE
<FISCAL-YEAR-END>1231
</COMPANY-DATA>
<FILING-VALUES>
<FORM-TYPE>8-K
<ACT>34
<FILE-NUMBER>000-30421
<FILM-NUMBER>05966416
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>3660 WILSHIRE BLVD SUITE PH-A
<CITY>LOS ANGELES
<STATE>CA
<ZIP>90010
<PHONE>2133822200
</BUSINESS-ADDRESS>
</FILER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>v10881e8vk.htm
<DESCRIPTION>HANMI FINANCIAL CORP.
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<P align="center" style="font-size: 14pt"><B>UNITED STATES<BR>
SECURITIES AND EXCHANGE COMMISSION</B>

<DIV align="center" style="font-size: 12pt"><B>WASHINGTON, D.C. 20549-1004<BR>
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<P align="center" style="font-size: 18pt"><B>FORM 8-K<BR>
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<P align="center" style="font-size: 12pt"><B>CURRENT REPORT<BR>
Pursuant to Section&nbsp;13 or 15(d) of the<BR>
Securities Exchange Act of 1934</B>


<P align="center" style="font-size: 10pt">Date of report (Date of earliest event reported): <B>July&nbsp;20, 2005</B><BR>
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<P align="center" style="font-size: 24pt"><B>Hanmi Financial Corporation</B>



<P align="center" style="font-size: 10pt">(Exact Name of Registrant as Specified in Charter)<BR>
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    <TD align="center" valign="top"><B>Delaware</B><BR>
(State or Other Jurisdiction of<BR>
Incorporation)
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><B>000-30421</B><BR>
(Commission File Number)
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><B>95-4788120</B><BR>
(IRS Employer<BR>
Identification No.)</TD>
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    <TD align="center" valign="top"><B>3660 Wilshire Boulevard<BR>
Los Angeles California</B><BR>
(Address of Principal Executive Offices)
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><B>90010</B><BR>
(Zip Code)</TD>
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<P align="center" style="font-size: 10pt">Registrant&#146;s telephone number, including area code: <B>(213)&nbsp;382-2200</B><BR>
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<P align="center" style="font-size: 10pt"><B>Not applicable</B><BR>
(Former name of former address, if changed since last report)



<P align="left" style="margin-left: 0%; text-indent: 0%; margin-right: 0%; font-size: 10pt">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):


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    <TD>Soliciting material pursuant to Rule&nbsp;14a-12 under the Exchange Act (17 CFR
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    <TD>Pre-commencement communications pursuant to Rule&nbsp;14d-2(b) under the
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    <TD>Pre-commencement communications pursuant to Rule&nbsp;13e-4(c) under the
Exchange Act (17 CFR 240.13e-4(c))</TD>
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<P align="right" style="font-size: 10pt">2
<DIV align="left" style="font-size: 10pt"><B>Item&nbsp;8.01. Other Events</B>
</DIV>


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Hanmi Financial Corporation (the &#147;Registrant&#148;) is the holding company for Hanmi Bank (the &#147;Bank&#148;).
The Bank is subject to regulation, supervision, and regular examination by the Federal Reserve Bank
of San Francisco (&#147;FRB&#148;) and other regulators.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Following a joint regular examination by the FRB and the California Department of Financial
Institutions, the Bank&#146;s Board of Directors, on July&nbsp;20, 2005, approved and signed an informal
memorandum of understanding (&#147;Memorandum&#148;) in connection with certain deficiencies identified by
the regulators relating to the Bank&#146;s compliance with certain provisions of the Bank Secrecy Act
(the &#147;BSA&#148;) and anti-money laundering regulations. Under the terms of the Memorandum, the Bank must
comply in all material respects with the BSA and take certain actions within various timeframes.
The Memorandum requires in part that the Bank enhance its written programs designed to ensure and
maintain compliance with the BSA and anti-money laundering regulations, improve documentation of
its compliance with suspicious activity reporting provisions of applicable regulations and provide
regular compliance reports to the regulators. The implementation of these programs will include
revisions of the Bank&#146;s policies, processes and procedures, enhancements of the Bank&#146;s system of
internal controls for BSA compliance, retention of and support from an increased compliance staff
and improved ongoing employee training.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Management expects additional BSA compliance expenses for the Bank resulting from the Memorandum,
although these expenses are not anticipated to have a material financial impact on the Registrant.
The Memorandum may also affect the timing or ability of the Bank or Registrant to engage in or
obtain regulatory approval for certain expansionary activities.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The statements in this report include forward-looking statements regarding management&#146;s beliefs,
projections, and assumptions concerning future results and events. These forward-looking statements
may, but do not necessarily, include words such as &#147;believes,&#148; &#147;expects,&#148; &#147;anticipates,&#148; &#147;intends,&#148;
&#147;plans,&#148; &#147;estimates,&#148; &#147;may,&#148; &#147;will,&#148; &#147;should,&#148; &#147;could,&#148; &#147;predicts,&#148; &#147;potential,&#148; &#147;continue&#148; or
similar expressions. Forward-looking statements are not guarantees. They involve known and unknown
risks, uncertainties, and other factors that may cause our actual results, performance, or
achievements to be materially different from any future results, performance, or achievements
expressed or implied by such forward-looking statements. These factors include (i)&nbsp;the Registrant&#146;s
or Bank&#146;s inability to satisfy the requirements of any supervisory letters, agreements or
understandings with their regulators, or inability to address any of the deficiencies described
therein; (ii)&nbsp;further supervisory or enforcement actions of the Bank&#146;s or Registrant&#146;s regulators
and (iii)&nbsp;such additional factors as described in the Registrant&#146;s Annual Report on Form 10-K for
the year ended December&nbsp;31, 2004, its reports and registration statements filed with the Securities
and Exchange Commission (&#147;SEC&#148;) and other filings it makes in the future with the SEC from time to
time. The Registrant has no intention and undertakes no obligation to update any forward-looking
statement or to publicly announce the results of any revision of any forward-looking statement to
reflect future developments or events.


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<P align="right" style="font-size: 10pt">3
<DIV align="center" style="font-size: 10pt"><B>SIGNATURES</B>
</DIV>


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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.


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    <TD valign="top" align="left">Date: July 20, 2005&nbsp;</TD>
    <TD colspan="3" align="left"><b>Hanmi Financial Corporation</b><BR>
&nbsp;</TD>
    <TD>&nbsp;</TD>
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    <TD align="left">&nbsp;</TD>
    <TD valign="top">By:&nbsp;&nbsp;</TD>
    <TD colspan="2" style="border-bottom: 1px solid #000000" align="left">/s/ SUNG WON SOHN
&nbsp;</TD>
    <TD>&nbsp;</TD>
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    <TD>&nbsp;</TD>
    <TD colspan="2" align="left">Sung Won Sohn&nbsp;</TD>
    <TD>&nbsp;</TD>
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    <TD align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left">President and Chief Executive Officer&nbsp;</TD>
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