8-K

                               UNITED STATES
                     SECURITIES AND EXCHANGE COMMISSION

                        WASHINGTON, D.C. 20549-1004


                                 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):  September 28, 2005


                       FINANCIAL FEDERAL CORPORATION
          (Exact name of Registrant as specified in its charter)


         Nevada                     1-12006                88-0244792
(State of incorporation)    (Commission file number)    (I.R.S. Employer
                                                       Identification No.)


                733 Third Avenue, New York, New York 10017
            (Address of principal executive offices) (Zip Code)


                              (212) 599-8000
           (Registrant's telephone number, including area code)


          (Former name or address, if changed since last report)


Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of
the following provisions:

   [ ] Written communications pursuant to Rule 425 under the Securities Act
       (17 CFR 230.425)

   [ ] Soliciting  material  pursuant to Rule 14a-12 under the Exchange Act
       (17 CFR 240.14a-12)

   [ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the
       Exchange Act (17 CFR 240.14d-2(b))

   [ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the
       Exchange Act (17 CFR 240.13e-4(c))



Item 2.02   Results of Operations and Financial Condition
            ---------------------------------------------

     On September 28, 2005, Financial Federal Corporation issued a press
release regarding its results for its fiscal year and quarter ended July 31,
2005 (Exhibit 99.1).

     The information contained in this Form 8-K and the exhibits attached
hereto shall not be deemed "filed" for purposes of Section 18 of the
Securities Exchange Act of 1934, as amended (the "Exchange Act"), or
otherwise subject to the liabilities of that section, nor shall it be deemed
incorporated by reference in any filing under the Securities Act of 1933, as
amended, or the Exchange Act, except as shall be expressly set forth by
specific reference in such a filing.


Item 8.01   Other Events
            ------------

     On September 28, 2005, Financial Federal Corporation announced that its
Board of Directors declared a quarterly dividend of $0.10 per share of
common stock (Exhibit 99.2).  The dividend is payable on October 31, 2005 to
stockholders of record at the close of business on October 14, 2005.  The
dividend rate is the same as the prior quarter.


Item 9.01   Financial Statements and Exhibits
            ---------------------------------

     (C)  Exhibits:

     The following exhibits are filed herewith:

        99.1     Press Release dated September 28, 2005 (earnings
                 announcement)
        99.2     Press Release dated September 28, 2005 (dividend
                 declaration)


                              EXHIBIT INDEX


Exhibit No.   Description of Exhibit
- -----------   ----------------------------------------------------
 99.1         Press Release dated September 28, 2005
 99.1         Press Release dated September 28, 2005


                                    2


                                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.



                                   FINANCIAL FEDERAL CORPORATION
                                   -----------------------------
                                   (Registrant)


                                   By:  /s/ Steven F. Groth
                                        ----------------------------------
                                        Senior Vice President and
                                        Chief Financial Officer (Principal
                                        Financial Officer)


September 30, 2005
- ------------------
(Date)


                                    3

EX-99

                                                     Exhibit 99.2

                FINANCIAL FEDERAL CORPORATION
                 DECLARES QUARTERLY DIVIDEND

NEW YORK, NY:  September 28, 2005 - Financial Federal
Corporation (NYSE: FIF) today announced its Board of Directors
declared a $0.10 per share quarterly dividend on its common
stock.  The dividend is payable October 31, 2005 to stockholders
of record at the close of business on October 14, 2005.  The
dividend rate is the same as the prior quarter.


Financial Federal Corporation is an independent financial services
company specializing in financing industrial and commercial
equipment through installment sales and leasing programs for
dealers, manufacturers and end users nationwide.  For more
information, please visit the Company's website at
www.financialfederal.com.



CONTACT:  Steven F. Groth, Chief Financial Officer
          (212) 599-8000