UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K [X] ANNUAL REPORT PURSUANT TO SECTION 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 [NO FEE REQUIRED] For the fiscal year ended December 31, 2004 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 [NO FEE REQUIRED] For the transition period from _________ to Commission file number 1-6659 ------ A. Full title of the Plan: AQUA AMERICA, INC. EMPLOYEES 401(k) SAVINGS PLAN AND TRUST B. Name of issuer of the securities held pursuant to the Plan and the address of its principal executive office: AQUA AMERICA, INC. 762 W. LANCASTER AVENUE BRYN MAWR, PA 19010 AQUA AMERICA, INC. EMPLOYEES 401(K) SAVINGS PLAN AND TRUST The following audited financial statements are included with this report: Exhibit Page -------- ---- 23.1 Consent of Beard Miller Company LLP 4 99.1 Financial Statements and Supplemental Schedules 5 as of December 31, 2004 and 2003 SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, Aqua America, Inc. has duly caused this annual report to be signed by the undersigned thereunto duly authorized. AQUA AMERICA, INC. EMPLOYEES 401(K) SAVINGS PLAN AND TRUST Plan Sponsor: Date /s/ Roy H. Stahl 6/27/05 ------------------------------------------------- ------- Roy H. Stahl Executive Vice President and General Counsel Aqua America, Inc.