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<SEC-DOCUMENT>0000950144-05-005422.txt : 20050512
<SEC-HEADER>0000950144-05-005422.hdr.sgml : 20050512
<ACCEPTANCE-DATETIME>20050512142103
ACCESSION NUMBER:		0000950144-05-005422
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20050512
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20050512
DATE AS OF CHANGE:		20050512

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			NICHOLAS FINANCIAL INC
		CENTRAL INDEX KEY:			0001000045
		STANDARD INDUSTRIAL CLASSIFICATION:	SHORT-TERM BUSINESS CREDIT INSTITUTIONS [6153]
		IRS NUMBER:				593019317
		STATE OF INCORPORATION:			FL
		FISCAL YEAR END:			0331

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-26680
		FILM NUMBER:		05823748

	BUSINESS ADDRESS:	
		STREET 1:		2454 MCMILLEN BOOTH RD
		STREET 2:		BLDG C 501 B
		CITY:			CLEARWATER
		STATE:			FL
		ZIP:			33759
		BUSINESS PHONE:		8137260763

	MAIL ADDRESS:	
		STREET 1:		2454 MCMULLEN BOOTH RD
		STREET 2:		BLDG C SUITE 501B
		CITY:			CLEARWATER
		STATE:			FL
		ZIP:			33759
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>g95304e8vk.htm
<DESCRIPTION>NICHOLAS FINANCIAL, INC.
<TEXT>
<HTML>
<HEAD>
<TITLE>Nicholas Financial, Inc.</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>
<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV style="width: 100%; border-bottom: 2pt solid black; font-size: 1pt">&nbsp;</DIV>
<DIV style="width: 100%; border-bottom: 1pt solid black; font-size: 1pt">&nbsp;</DIV>




<P align="center" style="font-size: 14pt"><B>UNITED STATES SECURITIES AND EXCHANGE COMMISSION</B>

<DIV align="center" style="font-size: 12pt"><B>Washington, DC 20549</B>
</DIV>

<P align="center" style="font-size: 18pt"><B>FORM 8-K</B>


<P align="center" style="font-size: 12pt"><B>CURRENT REPORT</B>


<P align="center" style="font-size: 12pt"><B>PURSUANT TO SECTION 13 OR 15(d) OF THE<BR>
SECURITIES EXCHANGE ACT OF 1934</B>


<P align="center" style="font-size: 10pt"><B>Date of Report (Date of earliest event reported) May&nbsp;12, 2005</B>


<P align="center" style="font-size: 24pt"><B>NICHOLAS FINANCIAL, INC.</B>


<DIV align="center" style="font-size: 10pt"><B>(Exact name of registrant as specified in its Charter)</B></DIV>


<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="30%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD align="center" valign="top"><B>British Columbia, Canada</B><BR>
(State or Other Jurisdiction of<BR>
Incorporation or Organization)
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><B>0-26680</B><BR>
(Commission<BR>
File Number)
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><B>8736-3354</B><BR>
(I.R.S. Employer<BR>
Identification No.)</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><B>2454 McMullen Booth Road, Building C<BR>
Clearwater, Florida</B><BR>
(Address of Principal Executive Offices)
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><B>33759</B><BR>
(Zip Code)</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<P align="center" style="font-size: 10pt"><U><B>(727)&nbsp;726-0763</B></U><BR>
<B>(Registrant&#146;s telephone number, Including area code)</B>



<P align="center" style="font-size: 10pt"><U><B>Not applicable</B></U><BR>
<B>(Former name, former address and former fiscal year, if changed since last report)</B>



<DIV style="width: 100%; border-bottom: 1pt solid black; margin-top: 10pt; font-size: 1pt">&nbsp;</DIV>
<DIV style="width: 100%; border-bottom: 2pt solid black; font-size: 1pt">&nbsp;</DIV>





<P align="center" style="font-size: 10pt">&nbsp;</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<P align="left" style="font-size: 10pt"><B>Item&nbsp;8.01 Other Events</B>


<P align="left" style="font-size: 10pt"><B>May&nbsp;12, 2005 &#151; </B>Clearwater, Florida &#151; Nicholas Financial, Inc. (Nasdaq, NICK), today announced that
its Board of Directors has declared a three for two (3 for 2) stock split on the Company&#146;s
outstanding shares of common stock, payable in the form of a 50% stock dividend, on <B>June&nbsp;17, 2005</B>,
to shareholders of record as of the close of business on <B>June&nbsp;3, 2005</B>. The Company presently has
approximately 6,500,000 shares of common stock outstanding. As a result of the stock dividend, the
Company will have approximately 10,000,000 shares of common stock outstanding.


<P align="left" style="font-size: 10pt">The Company&#146;s Board of Directors has also elected to discontinue paying the semi-annual dividend of
five cents ($.05) per share. The Board unanimously felt that based on the returns generated by the
Company on invested capital, it would be fundamentally sound to re-invest after tax profits to fuel
continued growth.



<P align="left" style="font-size: 10pt"><B>Item&nbsp;9.01 Financial Statements and Exhibits</B>


<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="8%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="87%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left" style="border-bottom: 1px solid #000000">Exhibit #</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" style="border-bottom: 1px solid #000000">Description</TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">99.2
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Press release dated May&nbsp;12, 2005, announcing (3 for 2) stock split and
discontinuation of semi-annual dividend.</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<P align="center" style="font-size: 10pt">&nbsp;</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

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



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


<P align="center" style="font-size: 10pt"><B>NICHOLAS FINANCIAL, INC.</B><BR>
(Registrant)



<TABLE width="100%" border="0" cellspacing="0" cellpadding="0" style="font-size: 10pt">
<TR>
    <TD width="48%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="35%">&nbsp;</TD>
    <TD width="15%">&nbsp;</TD>
</TR>
<TR>
    <TD valign="top" align="left">&nbsp;</TD>
    <TD colspan="3" align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">Date: May 12, 2005&nbsp;</TD>
    <TD colspan="3" style="border-bottom: 1px solid #000000" align="left">/s/ Peter L. Vosotas
&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD colspan="3" align="left">Peter L. Vosotas&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD colspan="3" align="left">Chairman, President, Chief Executive Officer
(Principal Executive Officer)&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
</TABLE>

<TABLE width="100%" border="0" cellspacing="0" cellpadding="0" style="font-size: 10pt">
<TR>
    <TD width="48%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="35%">&nbsp;</TD>
    <TD width="15%">&nbsp;</TD>
</TR>
<TR>
    <TD valign="top" align="left">&nbsp;</TD>
    <TD colspan="3" align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">Date: May 12, 2005&nbsp;</TD>
    <TD colspan="3" style="border-bottom: 1px solid #000000" align="left">/s/ Ralph T. Finkenbrink
&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD colspan="3" align="left">Ralph T. Finkenbrink&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD colspan="3" align="left">(Principal Financial Officer and Accounting Officer)&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
</TABLE>


<P align="center" style="font-size: 10pt">&nbsp;</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<P align="center" style="font-size: 10pt">Exhibit&nbsp;Index


<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="6%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="91%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left" style="border-bottom: 1px solid #000000">Exhibit</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" style="border-bottom: 1px solid #000000">Description</TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">99.2
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Press release dated May&nbsp;12, 2005, announcing (3 for 2) stock split and discontinuation of semi-annual dividend.</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<P align="center" style="font-size: 10pt">&nbsp;</DIV>

</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.2
<SEQUENCE>2
<FILENAME>g95304exv99w2.htm
<DESCRIPTION>EX-99.2 MAY 12, 2005 PRESS RELEASE
<TEXT>
<HTML>
<HEAD>
<TITLE>Ex-99.2 May 12, 2005 Press Release</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<P align="right" style="font-size: 10pt"><B>Exhibit&nbsp;99.2</B>




<p>&nbsp;
<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="20%"></TD>
    <TD width="1%"></TD>
    <TD width="30%"></TD>
    <TD width="1%"></TD>
    <TD width="23%"></TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><U><B>FOR IMMEDIATE RELEASE</B></U></TD>
</TR>
<TR valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD align="left" valign="top"><IMG src="g95304g9530447.gif" alt="(NICHOLAS LOGO)">
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><B>Contact:</B> Ralph
Finkenbrink<BR>Sr. Vice President, CFO<BR>www.nicholasfinancial.com<BR>
Ph # &#151; 727-726-0763
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><B>NASDAQ: NICK<BR>
Web site:</B></TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>




<P align="left" style="font-size: 10pt">Nicholas Financial, Inc.<BR>
Corporate Headquarters


<P align="left" style="font-size: 10pt">2454 McMullen-Booth Rd.<BR>
Building C<BR>
Clearwater, FL 33759


<P align="center" style="font-size: 10pt"><B>Nicholas Financial Announces Three for Two (3 for 2) Stock Split</B>


<P align="left" style="font-size: 10pt"><B>May&nbsp;12, 2005 &#151; </B>Clearwater, Florida &#151; Nicholas Financial, Inc. (Nasdaq, NICK), today announced
that its Board of Directors has declared a three for two (3 for 2) stock split on the Company&#146;s
outstanding shares of common stock, payable in the form of a 50% stock dividend, on <B>June&nbsp;17, 2005</B>,
to shareholders of record as of the close of business on <B>June&nbsp;3, 2005</B>. The Company presently has
approximately 6,500,000 shares of common stock outstanding. As a result of the stock dividend, the
Company will have approximately 10,000,000 shares of common stock outstanding.


<P align="left" style="font-size: 10pt">The Company&#146;s Board of Directors has also elected to discontinue paying the semi-annual dividend of
five cents ($.05) per share. The Board unanimously felt that based on the returns generated by the
Company on invested capital, it would be fundamentally sound to re-invest after tax profits to fuel
continued growth.


<P align="left" style="font-size: 10pt">Commenting on the Company&#146;s stock split, Peter L. Vosotas, Chairman, CEO and President noted, &#147;Our
strong capital position and continued confidence in our growth and earnings capability played a
large part in our decision to implement a stock split, which we believe will enhance our market
liquidity.&#148;


<P align="left" style="font-size: 10pt">The Company recently announced on May&nbsp;3, 2005, net income for the year ended March&nbsp;31, 2005
increased 55% to $8,080,000 as compared $5,213,000 last year. Diluted earnings per share increased
25% to $1.20 from $0.96. Revenue for the year increased 29% to $32,832,000 as compared to
$25,500,000 last year.


<P align="left" style="font-size: 10pt">Founded in 1985, with assets of $120,815,000 as of March&nbsp;31, 2005, Nicholas Financial, Inc. is one
of the largest publicly traded specialty consumer finance companies based in the Southeast. The
Company presently operates out of 35 full service branch locations in both the Southeast and the
Mid-West States. For an index of Nicholas Financial Inc.&#146;s news releases or to obtain a specific
release, visit our website at www.nicholasfinancial.com.



<P align="left" style="font-size: 10pt"><DIV style="border-bottom: 1px solid #000000; font-size: 1px">&nbsp;</DIV>

<P align="left" style="font-size: 10pt">Except for the historical information contained herein, the matters discussed in this news
release include forward-looking statements that involve risks and uncertainties including risks
detailed from time to time in the Company&#146;s filings and reports with the Securities and Exchange
Commission including the Company&#146;s Annual Report on Form 10-K for the year ended March&nbsp;31, 2004.
Such statements are based on the beliefs of the Company&#146;s management as well as assumptions made by
and information currently available to Company management. Actual events or results may differ
materially.




<P align="center" style="font-size: 10pt">&nbsp;
</DIV>

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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----
