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): December 16, 2003



                         ELECTRONIC CLEARING HOUSE, INC.
             (Exact name of registrant as specified in its charter)


             Nevada                    0-15245                   93-0946274
(State or other jurisdiction of      (Commission               (IRS Employer
         incorporation)              File Number)            Identification No.)



      730 Paseo Camarillo, Camarillo, California                  93010
       (Address of principal executive offices)                 (Zip Code)

       Registrant's telephone number, including area code: (800) 233-0406



--------------------------------------------------------------------------------
          (Former name or former address, if changes since last report)





ITEM 7.  FINANCIAL STATEMENTS AND EXHIBITS.

         (c)      Exhibits

                  99.1     Press  Release  dated  December 16, 2003,  announcing
                           financial  results  for the  quarter  and fiscal year
                           ended September 30, 2003.

ITEM 12. RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

         On December 16, 2003,  Electronic  Clearing House,  Inc. issued a press
release  announcing its financial  results for the quarter and fiscal year ended
September  30, 2003. A copy of the press  release is being  furnished as Exhibit
99.1 to this report and is incorporated herein by reference.

         The information in this report shall not be deemed "filed" for purposes
of Section 18 of the  Securities  Exchange  Act of 1934,  nor shall it be deemed
incorporated  by reference in any filing under the Securities Act of 1933 or the
Securities  Exchange  Act of 1934,  except  as shall be  expressly  set forth by
specific reference in such a filing.


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                                   SIGNATURES



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.





                         ELECTRONIC CLEARING HOUSE, INC.
                         (Registrant)




                         By: \S\ALICE CHEUNG
                             ----------------------------
                             Alice L. Cheung, Treasurer &
                             Chief Financial Officer



Dated:  December 16, 2003


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