UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 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) April 12, 2004 ------------------------------- Commission File Number: 1-5273-1 --------------------------------------------------------- Sterling Bancorp -------------------------------------------------------------------------------- (Exact name of Registrant as specified in its charter) New York 13-2565216 -------------------------------------------------------------------------------- (State of other jurisdiction (IRS Employer of incorporation) Identification No.) 650 Fifth Avenue, New York, New York 10019-6108 -------------------------------------------------------------------------------- (Address of principal executive offices) (Zip Code) (212) 757-3300 -------------------------------------------------------------------------------- (Registrant's telephone number, including area code) N/A -------------------------------------------------------------------------------- (Former name, former address and former fiscal year, if changed since last report) ITEMS 9 AND 12 RESULTS OF OPERATIONS AND FINANCIAL CONDITION AND REGULATION FD DISCLOSURE -------------------------------------------------------------------------- On April 12, 2004, the Company issued a press release announcing a conference call on April 16, 2004 at 10:00 am EST to discuss its financial results for the first quarter ended March 31, 2004. The press release is included herein as Exhibit 99.1. SIGNATURE 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. DATE: April 13, 2004 BY: /s/ JOHN W. TIETJEN -------------------------------------------- JOHN W. TIETJEN Executive Vice President, Treasurer and Chief Financial Officer EXHIBIT INDEX Exhibit Number ------- 99.1 Press Release dated April 12, 2004