UNITED STATES SECURITIES AND EXCHANGE COMMISSION
                            WASHINGTON, DC  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): February 10, 2004

                            BLACKHAWK BANCORP, INC.
                            -----------------------

             (Exact name of registrant as specified in its charter)

          Wisconsin                    0-18599                  39-1659424
----------------------------   ------------------------    ---------------------
(State or other jurisdiction   (Commission File Number)    (IRS Employer Number)
of incorporation)

          400 Broad Street, Beloit, WI                           53511
          ----------------------------                         ----------
          (Address of principal executive offices)             (Zip Code)

Registrant's telephone number, including area code:  (608) 364-8911
                                                     --------------

Item 9: Regulation FD Disclosure.

Blackhawk Bancorp, Inc. is  furnishing herewith, in  the press release  attached
hereto as  Exhibit  99.1,  certain information  contained  therein  pursuant  to
Regulation FD.

                                   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 thereunto duly authorized.

Date:  February 10, 2004                BLACKHAWK BANCORP, INC.

                                        /s/ Todd J. James
                                        -----------------
                                        Todd J. James
                                        Executive Vice President and CFO
                                        (Duly authorized officer of the
                                        registrant and principal financial
                                        officer)

                          EXHIBIT INDEX TO FORM 8-K OF
                            BLACKHAWK BANCORP, INC.
                            DATED FEBRUARY 10, 2004

                  Pursuant to Section 102(d) of Regulation S-T

EXHIBIT   DESCRIPTION

99.1      Press Release dated February 10, 2004.