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): July 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 July 13, 2004, the Registrant announced its earnings for the three and
six-month periods ended June 30, 2004. For further information, reference is
made to the Registrant's press release, dated July 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 July 13, 2004, the Registrant announced its earnings for the three and
six-month periods ended June 30, 2004. For further information, reference is
made to the Registrant's press release, dated July 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 July 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: July 13, 2004