SEC FORM 4

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

1. Name and Address of Reporting Person^*

REICHERT CHRISTOPHER K

(Last)

(First)

(Middle)

12300 OLIVE BOULEVARD

(Street)

ST. LOUIS

63141

(City)

(State)

(Zip)

2. Issuer Name and Ticker or Trading Symbol
PULASKI FINANCIAL CORP [ (PULB) ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director	10% Owner
X	Officer (give title below)	Other (specify below)
	Executive Vice President

3. Date of Earliest Transaction (Month/Day/Year)
01/17/2005

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Common Stock	01/17/2005		F		1,923	D	$19.5	3,291	D
Common Stock	01/21/2005		F		830	D	$19.05	2,461	D⁽¹⁾⁽²⁾
Common Stock								5,898.9431	I	By 401(k)
Common Stock								450	I	By Custodian For Daughter
Common Stock								8,189	I	By ESOP
Common Stock								17,198	I	By IRA
Common Stock								1,600	I	By MRP II⁽³⁾
Common Stock								5,212	I	By MRP III⁽⁴⁾
Common Stock								40,385	I	By Trust

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
Stock Option (right to buy)	$4.05							01/21/2001⁽⁵⁾	01/21/2010	Common Stock	11,000		11,000	D
Stock Option (right to buy)	$5							01/17/2002⁽⁶⁾	01/17/2011	Common Stock	25,036		25,036	D
Stock Option (right to buy)	$8.325							01/16/2003⁽⁷⁾	01/16/2012	Common Stock	17,500		17,500	D

Explanation of Responses:

1. Since the reporting person's last report 5,214 shares previously held through MRP III have vested and are now owned directly.

2. Since the reporting person's last report 2,560 shares previously held through MRP I have vested and are now owned directly.

3. Stock Awards granted pursuant to the Pulaski Financial Corp. 2000 Stock-Based Incentive Plan vest in five equal annual installments commencing on July 19, 2001.

4. Stock Awards granted pursuant to the Pulaski Financial Corp. 2000 Stock-Based Incentive Plan vest in five equal annual installments commencing on January 17, 2002.

5. Stock Options granted pursuant to the Pulaski Financial Corp. 2000 Stock-Based Incentive Plan are fully vested and exercisable.

6. Stock Options granted pursuant to the Pulaski Financial Corp. 2000 Stock-Based Incentive Plan are fully vested and exercisable.

7. Stock Options granted pursuant to the Pulaski Financial Corp. 2000 Stock-Based Incentive Plan vest in four equal annual installments commencing on January 16, 2003.

Remarks:

	/s/ Reichert, Christopher K.	01/25/2005
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
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