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
                                (Date of earliest
                                 event reported):    August 19, 2004
                                                     ---------------

                                STEIN MART, INC.
             (Exact name of registrant as specified in its charter)


      Florida                       0-20052                      64-0466198
-------------------          ---------------------          --------------------
  (State or other              (Commission File                 (IRS Employer
  jurisdiction of                   Number)                  Identification No.)
  incorporation)

               1200 Riverplace Blvd., Jacksonville, Florida 32207
        -----------------------------------------------------------------
           (Address of principal executive offices including zip code)

                                 (904) 346-1500
                       ----------------------------------
                         (Registrant's telephone number)



ITEM 12.  RESULTS OF OPERATIONS AND FINANCIAL CONDITION

     On August 19, 2004,  Stein Mart,  Inc. issued a press  release,  a  copy of
which is attached as Exhibit  99.1,  that  includes  financial  results  for the
quarterly period and six months ended July 31, 2004.


ITEM 7.  EXHIBITS

99.1 Press Release dated August 19, 2004

                                       2



     Pursuant to the  requirements  of the  Securities and Exchange Act of 1934,
the  registrant  has duly  caused  this report to be signed on its behalf by the
undersigned hereunto duly authorized.


                                   STEIN MART, INC.
                                   (registrant)


August 20, 2004                    By:   /s/ James G. Delfs
                                   ---------------------------------------------
                                   James G. Delfs
                                   Senior Vice President and
                                   Chief Financial Officer

                                       3



                                  EXHIBIT INDEX

99.1 Press Release dated August 19, 2004

                                       4