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
CAPITOL FEDERAL FINANCIAL (Exact name of Registrant as specified in its Charter)

United States (State or other
jurisdiction of
incorporation) 0-24118(Commission File
Number) 48-1212142(IRS Employer
Identification
Number)

700 Kansas Avenue   Topeka, Kansas 66603 (Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code: (785) 235-1341
N/A (Former name or former address, if changed since last report)
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ITEM 7.  EXHIBITS.

Exhibit 99.1 - Press Release dated December 16, 2003

ITEM 9.   REGULATION FD DISCLOSURES.

The Registrant's press release dated December 16, 2003, announcing that they have entered into interest rate swap agreements with a notional amount of $800 million, is attached hereto as Exhibit 99.1, and is incorporated herein by reference.

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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 thereunto duly authorized.

	CAPITOL FEDERAL FINANCIAL
Date:    December 17, 2003	By:	/s/ John B. DicusJohn B. Dicus, President and    Chief Executive Officer
Date:    December 17, 2003	By:	/s/ Neil F. M. McKay   Neil F. M. McKay, Executive Vice President    and Chief Financial Officer

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