Washington D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT

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

                                October 15, 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

     Check the  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:

|_|  Written  communications  pursuant to Rule 425 under the  Securities Act (17
     CFR 230.425)

|_|  Soliciting  material pursuant to Rule 14a-12 under the Exchange Act (17 CFR

|_|  Pre-commencement   communications  pursuant  to  Rule  14d-2(b)  under  the
     Exchange Act (17 CFR 240.14d-2(b))

|_|  Pre-commencement   communications  pursuant  to  Rule  13e-4(c)  under  the
     Exchange Act (17 CFR 240.13e-4(c))

                         THE CHARLES SCHWAB CORPORATION
Item 2.02     Results of Operations and Financial Condition

On  October 15,  2004,  The Charles  Schwab  Corporation  issued a press release
announcing  its financial  results for the quarter ended  September 30,  2004. A
copy of the press release is furnished as Exhibit 99.1 to this report.

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                         THE CHARLES SCHWAB CORPORATION


     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: October 15, 2004                            /s/ Christopher V. Dodds
      -----------------                           ------------------------------
                                                  Christopher V. Dodds
                                                  Executive Vice President and
                                                  Chief Financial Officer

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                         THE CHARLES SCHWAB CORPORATION

Exhibit Index

99.1 Press Release dated October 15, 2004 ("Schwab Reports Quarterly Results")

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