X0201 3/A 2004-01-28 2004-02-04 0 0000856751 FIRST KEYSTONE FINANCIAL INC FKFS 0001113932 NAESSENS JERRY 1133 HALL ROAD ROSLYN PA 19001 0 0 0 1 director of primary subsidiary common stock 0 D Jerry A. Naessens 2004-02-04