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)        July 15, 2004
                                                ------------------------------



                          Washington Federal, Inc.
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          (Exact name of registrant as specified in its charter)




  Washington                           0-25454                     91-1661606
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(State or other jurisdiction    (Commission File Number)        (IRS Employer
of incorporation)                                          Identification No.)




425 Pike Street, Seattle, Washington                                 98101
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(Address of principal executive offices)                           (Zip Code)




Registrant's telephone number, including area code       (206) 624-7930
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                              Not Applicable
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(Former name, former address and former fiscal year, if changed since last
 report)




Item 7.   Financial Statements, Pro Forma Financial Information and Exhibits
          -------------

     (a)  Not applicable.

     (b)  Not applicable.

     (c)  The following exhibit is included with this Report:

          Exhibit 99.1  Fact Sheet as of June 30, 2004.
          Exhibit 99.2  Press release dated July 15, 2004.




Item 9.   Regulation FD Disclosure
          -------------

     A copy of the June 30, 2004 Fact Sheet which presents
certain detailed financial information about Washington Federal, Inc.
(the "Company") is attached hereto as Exhibit 99.1.


Item 12.  Results of Operations and Financial Condition
          -------------


     On July 15, 2004, the Company announced by press release its
earnings for the quarter ended June 30, 2004.  A copy of the
press release is attached hereto as Exhibit 99.2.  A copy of
the June 30, 2004 Fact Sheet which presents certain detailed
financial information about the Company is attached hereto as
Exhibit 99.1.





                                  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.


                                  WASHINGTON FEDERAL, INC.



Dated: July 16, 2004           By:      /s/ Brent J. Beardall
                                        ---------------------
                                        Brent J. Beardall
                                        Senior Vice President and
                                        Chief Financial Officer