UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, ~~D.C.~~DC 20549

———————

FORM 8-K

~~Current~~CURRENT ~~Report~~REPORT ~~Pursuant to Section 13 or 15(d) of~~PURSUANT

~~The~~TO ~~Securities~~SECTION ~~Exchange~~13 ~~Act~~OR of15(d) ~~1934~~OF THE

~~Date~~SECURITIES ofEXCHANGE ~~Report~~ACT ~~(Date~~OF ~~of earliest event reported): January 14, 2005~~1934

~~POINTE~~Date ~~FINANCIAL~~of ~~CORPORATION~~Report (Date of Earliest Event Reported) February 11, 2005

~~(Exact~~Pointe ~~name~~Financial ~~of registrant as specified in its charter)~~Corporation

FLORIDA	0-24433	65-0451402
(State or other jurisdiction of	(Commission File Number)	(I.R.S. Employer
incorporation)		Identification No.)
21845 Powerline Road
Boca Raton, FL		33433
Address of principal executive		(Zip Code)
Offices

(Exact Name of Registrant as Specified in Charter)

~~Registrant’s telephone number, including area code: (561) 368-6300~~Florida

(~~NOT~~State ~~APPLICABLE~~or Other Jurisdiction of Incorporation)

(Former name of former address, if changed since last report)

0-24433	65-0451402
(Commission File Number)	(IRS Employer Identification No.)

~~Check~~21845 ~~the~~Powerline ~~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:~~ Road

¨Boca ~~Written~~Raton, ~~communications~~Florida ~~pursuant to Rule 425 under the Securities Act (17 CFR 230.425)~~ 33433

¨(Address ~~Soliciting~~of ~~material~~Principal ~~pursuant~~Executive ~~to Rule 14a-12 under the Exchange Act~~ Offices)(17Zip ~~CFR 240.14a-12~~Code)

~~¨ Pre-commencement communications pursuant to Rule 14d-2~~(b)Registrant’s ~~under~~Telephone ~~the~~Number, ~~Exchange~~Including ~~Act~~Area Code) (~~17 CFR 240.14d-2(b~~561)) 368-6300

¨Not ~~Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))~~Applicable

~~ITEM~~(Former ~~2.02~~Name or Former Address, if Changed Since Last Report)

~~RESULTS~~Check OFthe ~~OPERATIONS~~appropriate ~~AND~~box ~~FINANCIAL~~below ~~CONDITION~~if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

~~The press release regarding the Fourth Quarter 2004 financial results attached as Exhibit 99.1 was issued by the Company on January 14, 2005.~~o

~~ITEM~~Written 9communications pursuant to Rule 425 under the Securities Act (17 CFR 230.01425)

~~FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS.~~o

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (c17 CFR 240.14a-12)

~~Exhibits.~~o

~~Exhibit~~Pre-commencement ~~No.~~communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

~~Description~~o

99Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.113e-4(c))

~~Press~~Item ~~Release issued on January 14, 2005~~8.01

~~SIGNATURE~~Other Events.

~~Pursuant~~On toFebruary 11, 2005, the ~~requirements~~shareholders of Pointe Financial Corporation (“PFC”) approved the ~~Securities~~Agreement ~~Exchange~~and ~~Act~~Plan of ~~1934~~Merger, ~~the~~dated ~~registrant~~October ~~has~~27, ~~duly~~2004, ~~caused~~by ~~this~~and ~~report~~between toPFC beand ~~signed~~The onSouth ~~its~~Financial ~~behalf~~Group, byInc. at a special meeting of the ~~undersigned~~shareholders. A ~~hereunto~~copy ~~duly~~of ~~authorized~~the press release issued by PFC is included as Exhibit 99.1 and is incorporated by reference herein.

~~POINTE~~Item ~~FINANCIAL CORPORATION By: /s/ BRADLEY R~~9. ~~MEREDITH Bradley R~~01. ~~Meredith Chief Financial Officer (Principal Financial and Accounting Officer)~~

~~Dated: January~~ Financial ~~18,~~Statements ~~2005~~and Exhibits.

~~EXHIBIT INDEX~~(a)

~~Exhibit No~~Exhibits.

~~Description~~Exhibit No.

~~99.1~~Exhibit

~~Press Release issued on January 14, 2005~~99.1

Press Release dated February 11, 2005

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this Report to be signed on its behalf by the undersigned hereunto duly authorized.

Date:

February 11, 2005

	POINTE FINANCIAL CORPORATION


	By:	/s/ BRADLEY R. MEREDITH
	Name:	Bradley R. Meredith
	Title:	Chief Financial Officer
		(Principal Financial and Accounting Officer)

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