X0202 4 2004-05-20 0000856751 FIRST KEYSTONE FINANCIAL INC FKFS 0001241997 HENDERSON STEPHEN J 325 SPALDING ROAD WILMINGTON DE 19803 0 1 0 0 Senior Vice President common stock 2004-05-20 4 S 0 6000 27.00 D 4000 D common stock 11017.625 I ESOP Stephen J. Henderson 2004-05-21