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) February 12, 2004



                          ELECTRONIC CLEARING HOUSE, INC.
                          -------------------------------
             (Exact name of registrant as specified in its charter)


          NEVADA                       0-15245                  93-0946274
--------------------------------------------------------------------------------
(State or other jurisdiction         (Commission             (IRS Employer
of incorporation)                    File Number)            Identification No.)


              730 Paseo Camarillo, Camarillo, California     93010
              ----------------------------------------------------
             (Address of principal executive offices)     (Zip Code)



        Registrant's telephone number, including area code (805) 419-8700


               28001 Dorothy Drive, Agoura Hills, California 91301
               ---------------------------------------------------
          (Former name or former address, if changes since last report)



ITEM 7.  FINANCIAL STATEMENTS AND EXHIBITS.

     (c)  Exhibits

     Exhibit 99.1 Press Release dated February 12, 2004, announcing financial
results for the quarter ended December 31, 2003.

ITEM 12.  RESULTS OF OPERATION AND FINANCIAL CONDITION.

     On February 12, 2004, Electronic Clearing House, Inc. issued a press
release announcing its financial results for the quarter ended December 31,
2003.  A copy of the press release is being furnished as Exhibit 99.1 to this
report and is incorporated herein by reference.

     The information in this report shall not be deemed "filed" for purposes of
Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed
incorporated by reference in any filing under the Securities Act of 1933 or the
Securities Exchange Act of 1934, except as shall be expressly set forth by
specific reference in such a filing.



                                   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.


                                          ELECTRONIC CLEARING HOUSE, INC.
                                                (Registrant)




                                          By:  \s\Alice  Cheung
                                               -----------------------------
                                               Alice L. Cheung, Treasurer &
                                               Chief  Financial  Officer


Dated:  February 12, 2004