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 19, 2006


                           James Monroe Bancorp, Inc.
             (Exact name of registrant as specified in its charter)



                                                                         
                     Virginia                               000-32641                    54-1941875
  (State or other jurisdiction of incorporation)      Commission File Number          (I.R.S. Employer
                                                                                     Identification No.)

    3033 Wilson Boulevard, Arlington, Virginia                                              22201
     (Address of principal executive offices)                                            (Zip Code)



        Registrant's telephone number, including area code: 703.524.8100

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

/X/      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 2.02  Results of Operations and Financial Condition

         On April 19, 2006, James Monroe Bancorp issued the press release
attached as exhibit 99.

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

(a) Financial Statements of Business Acquired. Not applicable.

(b) Pro Forma Financial Information. Not applicable.

(c) Shell Company Transactions. Not applicable.

(d) Exhibits.

         99  Press Release dated April 19, 2006




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                                   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.



                               JAMES MONROE BANCORP, INC.

                               By: /s/ Richard I. Linhart
                                   --------------------------------------------
                                   Richard I Linhart, Executive Vice President,
                                   Chief Operating Officer

Dated:  April 19, 2006



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