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


                                  July 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  July 18,  2005,  The  Charles  Schwab  Corporation  issued  a press  release
announcing its financial results for the quarter ended June 30,  2005. 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:  July 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 July 18, 2005  ("Schwab  Reports  Quarterly  Results -
      Revenues Rise 5%, Net Income Grows 65%")

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