UNITED STATES 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): April 13, 2004 Frederick County Bancorp, Inc. (Exact name of registrant as specified in its charter) Commission file number: 000-50407 Maryland 20-0049496 (State or Other Jurisdiction of (I.R.S. Employer Incorporation or Organization) Identification Number) 30 West Patrick Street, Frederick, Maryland 21701 (Address of Principal Executive Offices) (Zip Code) Registrant's telephone number, including area code: (301) 620-1400 ITEM 9. REGULATION FD DISCLOSURE On April 13, 2004, the Registrant announced its earnings for the quarter ended March 31, 2004. For further information, reference is made to the Registrant's press release, dated April 13, 2004, which is attached hereto as Exhibit 99.1 and incorporated herein by reference. The attached press release is furnished pursuant to this Item 9 of Form 8-K. ITEM 12. RESULTS OF OPERATIONS AND FINANCIAL CONDITION On April 13, 2004, the Registrant announced its earnings for the quarter ended March 31, 2004. For further information, reference is made to the Registrant's press release, dated April 13, 2004, which is attached hereto as Exhibit 99.1 and incorporated herein by reference. The attached press release is furnished pursuant to this Item 12 of Form 8-K. EXHIBIT INDEX Exhibit 99.1 Press Release dated April 13, 2004 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. FREDERICK COUNTY BANCORP, INC. (Registrant) By: /s/ William R. Talley, Jr. -------------------------------------- William R. Talley, Jr., Executive Vice President and Chief Financial Officer (Principal Accounting Officer) Dated: April 13, 2004