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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549


FORM 11-K

þ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the fiscal year ended December 31, 2004

OR

o TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from (not applicable)

Commission file number 1-6880

U.S. BANK 401(k) SAVINGS PLAN

(FORMERLY THE U.S. BANCORP 401(k) SAVINGS PLAN)
800 Nicollet Mall
Minneapolis, Minnesota 55402-4302

(Full title of the plan and the address of the plan)

U.S. BANCORP

800 Nicollet Mall
Minneapolis, Minnesota 55402-4302
(Name and address of principal executive offices of the issuer of the securities)

 


TABLE OF CONTENTS

REQUIRED INFORMATION
SIGNATURE
Annual Report
Consent of Independent Registered Public Accounting Firm


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REQUIRED INFORMATION

U.S. Bank 401(k) Savings Plan (formerly the U.S. Bancorp 401(k) Savings Plan) (the Plan) is subject to the Employee Retirement Income Security act of 1974 (ERISA). Therefore, in lieu of the requirements of Items 1-3 of Form 11-K, the financial statements and schedules of the Plan for the two years ended December 31, 2004 and 2003, which have been prepared in accordance with the financial reporting requirements of ERISA, are attached hereto as Exhibit 13 and incorporated herein by this reference.

The following exhibits are filed with this report:

         
Exhibit Number   Description
13
  Annual Report for the year ended December 31, 2004
23
  Consent of Independent Registered Public Accounting Firm

SIGNATURE

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

U.S. BANK 401(k) SAVINGS PLAN (FORMERLY THE U.S. BANCORP 401(k) SAVINGS PLAN)

By: U.S. Bank 401(k) Savings Plan Benefit Administration Committee

     
/s/ Jennie Carlson
   

  May 20, 2005
Jennie Carlson
   
Benefit Administration Committee Chairperson