Washington D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT

                         PURSUANT TO SECTION 13 OR 15(d)
                     OF THE SECURITIES EXCHANGE ACT OF 1934

                                January 22, 2004
                Date of Report (Date of earliest event reported)

                         THE CHARLES SCHWAB CORPORATION
             (Exact name of registrant as specified in its charter)

           Delaware                       1-9700                94-3025021
 (State or other jurisdiction           Commission           (I.R.S. Employer
of incorporation or organization)       File Number       Identification Number)

                   120 Kearny Street, San Francisco, CA 94108
              (Address of principal executive offices and zip code)
       Registrant's telephone number, including area code: (415) 627-7000

Item 12. Results of Operations and Financial Condition

On  January 22,  2004,  The Charles  Schwab  Corporation  issued a press release
announcing  its  financial  results for the quarter and year ended  December 31,
2003. A copy of the press release is furnished as Exhibit 99.1 to this report.

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     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.

                                              THE CHARLES SCHWAB CORPORATION

Date:  January 22, 2004                             /s/ Christopher V. Dodds
       ----------------                             ----------------------------
                                                    Christopher V. Dodds
                                                    Executive Vice President and
                                                    Chief Financial Officer

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Exhibit Index

99.1 Press Release dated January 22,  2004 ("Schwab Announces Fourth Quarter and
     Full-Year Results")

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