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): November 18, 2004

                           American Bank Incorporated
          -------------------------------------------------------------
             (Exact name of registrant as specified in its charter)

        Pennsylvania                 000-31246                    01-0593266
- ---------------------------      ---------------------      --------------------
(State or other jurisdiction     (Commission File No.)        (I.R.S. Employer
      of incorporation)                                      Identification No.)


4029 West Tilghman Street, Allentown, Pennsylvania                  18104
- --------------------------------------------------                  -----
(Address of Principal Executive Offices)                         (Zip Code)


Registrant's telephone number, including area code:  (610) 366-1800
                                                     --------------


                                 Not Applicable
 -------------------------------------------------------------------------------
          (Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

[  ]  Written communications pursuant to Rule 425 under the Securities Act (17
      CFR 230.425)

[  ]  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
      240.14a-12)

[  ]  Pre-commencement communications pursuant to Rule 14d-2(b) under the
      Exchange Act (17 CFR 240.14d-2(b))

[  ]  Pre-commencement communications pursuant to Rule 13e-4(c) under the
      Exchange Act (17 CFR 240.13e-4(c))








Item 5.02.        Departure of Directors or Principal Officers; Election of
                  Directors; Appointment of Principal Officers
                  --------------------------------------------

         On November 18, 2004, J. Scott Pidcock was appointed to the boards of
directors of American Bank Incorporated (the "Company") and its
wholly-subsidiary, American Bank (the "Bank"). There are no arrangements or
understandings between Mr. Pidcock and any other person pursuant to which Mr.
Pidcock became a director. Mr. Pidcock is not a party to any transaction with
the Company and the Bank that would require disclosure under Item 404 of
Securities and Exchange Commission Regulation S-K.

         It is expected that Mr. Pidcock will serve as a member of the Company's
Asset-Liability Management Committee and Mergers and Acquisitions Committee, and
as a member of the Bank's Directors' Loan Committee and Community Reinvestment
Act Committee.

         Attached as Exhibit 99 to this report is the Company's press release
announcing the appointment.

Item 9.01.        Financial Statements and Exhibits
                  ---------------------------------

         The Index of Exhibits immediately precedes the attached exhibits.









                                   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.

                                                     AMERICAN BANK INCORPORATED



DATE:  November 18, 2004            By:  /s/ Mark W. Jaindl
                                        ----------------------------------------
                                        Mark W. Jaindl
                                        President and Chief Executive Officer





                                  EXHIBIT INDEX

         The following exhibits are filed as part of this report:

         Exhibit No.                                 Description

            99                      Press Release of American Bank Incorporated