UNITED STATES
                       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


                                January 18, 2005
                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
     240.14a-12)

|_|  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 January 18,  2005,  The Charles  Schwab  Corporation  issued a press  release
announcing  its  financial  results for the quarter and year ended  December 31,
2004. A copy of the press release is furnished as Exhibit 99.1 to this report.


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                         THE CHARLES SCHWAB CORPORATION

                                    SIGNATURE

     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
                                                              (Registrant)

Date: January 18, 2005                           /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 January 18, 2005 ("Schwab  Reports  Fourth  Quarter and
     Full Year Results")


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