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

Date of Report                                                  October 22, 2002
(Date of earliest event reported)                               October 22, 2002


                             Kankakee Bancorp, Inc.
             (Exact name of Registrant as specified in its charter)


                                    Delaware
                 (State or other jurisdiction of incorporation)


        1-13676                                          36-3846489
(Commission File Number)                 (I.R.S. Employer Identification Number)

310 South Schuyler Avenue, Kankakee, Illinois                              60901
  (Address of principal executive offices)                            (Zip Code)

                                 (815) 937-4440
              (Registrant's telephone number, including area code)



Item 5.  Other Information

On October 22, 2002, Kankakee Bancorp, Inc. issued a news release announcing its
earnings for the quarter ended September 30, 2002, as well as other recent
corporate events. The news release is attached hereto as Exhibit 99.1.

Item 7.  Financial Statements, Pro Forma Financial Information and Exhibits

         (a)    Financial Statements of Business Acquired.

                None.

         (b)    Pro Forma Financial Information.

                None.

         (c)    Exhibits.

                99.1  News Release dated October 22, 2002



                                   SIGNATURES

     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 hereunto duly authorized.

                                          KANKAKEE BANCORP, INC.


Dated: October 22, 2002                   By:   /s/ Ronald J. Walters
                                                ------------------------------
                                                  Ronald J. Walters
                                                  Vice President and Treasurer