Item 2.02 Results of Operation and Financial Condition

On October 25, 2012, Tower Financial Corporation issued a press release titled "Tower Financial Corporation reports third quarter net income of $1.6 million."

The full text of the press release, together with the exhibits thereto, is furnished herewith as Exhibit 99.1, shall not be deemed "filed" for purposes of
Section 18 of the Securities and Exchange Act of 1954, as amended, and shall not be deemed incorporated by reference into any registration statement or other document filed pursuant to the Securities Act of 1933, as amended.

Item 9.01 Financial Statement and Exhibits

(c) Exhibits 99.1 Press release, dated October 25, 2012, reporting Tower Financial Corporation's financial results for its third quarter ended September 30, 2012.