Exhibit 99.1

           Frederick County Bank Announces Two Future Branch Locations

    FREDERICK, Md., Dec. 10 /PRNewswire-FirstCall/ -- Martin S. Lapera,
President and Chief Executive Officer of Frederick County Bank, announced
today that two sites have been approved, in Walkersville and on Crestwood
Boulevard, for future Frederick County Bank branch offices.
    "We are very pleased to announce that the site plans have been approved
for the Bank's two new branch locations.  While keeping to our business plan,
we certainly have listened to our current and future customers' requests for
greater branch banking convenience.  Having reached a solid position of
profitability and financial strength, it was time to move forward to expand
our branch network.  These locations make a lot of sense geographically and
will help create customer convenience and access in areas of Frederick where
we believe there is great demand for true community banking.  We expect the
new branches to be open in late 2005," said Mr. Lapera.
    Signage is being installed to mark the future branch locations at 200
Commerce Drive in Walkersville and at 6910 Crestwood Boulevard (adjacent to
the Crestwood Village Shopping Center).

    Frederick County Bank is a wholly-owned subsidiary of Frederick County
Bancorp, Inc. (OTC Bulletin Board: FCBI) and has branch offices at 30 West
Patrick Street (Patrick Financial Center) and 1595 Opossumtown Pike.  For
further information about either this announcement or Frederick County Bank,
please call 301-620-1400, or visit the Bank's website,
http://www.frederickcountybank.com.

SOURCE  Frederick County Bank
    -0-                             12/10/2004
    /CONTACT:  William R. Talley, Jr., Executive Vice President and Chief
Financial Officer of Frederick County Bank, +1-240-529-1507/
    /Web site:  http://www.frederickcountybank.com /
    (FCBI)

CO:  Frederick County Bank
ST:  Maryland
IN:  FIN OTC
SU: