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 16, 2003 000-24478 38-3073622 (Commission File No.) (IRS Employer Identification No.) DEARBORN BANCORP, INC. ---------------------- (Exact name of registrant as specified in its charter) 22290 Michigan Avenue, Dearborn, MI ----------------------------------- (Address of Principal Executive Offices) 48124 ----- (Zip Code) (313) 274-1000 -------------- (Registrant's Telephone Number, Including Area Code) Item 9. Regulation FD Disclosure (Provided Under Item 12) On July 16, 2003, the Registrant issued a news release announcing its 2003 second quarter earnings. A copy of the news release, including unaudited financial information released as a part thereof, is attached as Exhibit 99.1 to this Current Report on Form 8-K and incorporated by reference herein. Item 7. Exhibits 99.1 Registrant's July 16, 2003 News Release announcing its 2003 second quarter earnings 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 thereunto duly authorized. Dearborn Bancorp, Inc. (Registrant) /s/ John E. Demmer ------------------------------- John E. Demmer Chairman /s/ Michael J. Ross ------------------------------- Michael J. Ross President and Chief Executive Officer /s/ Jeffrey L. Karafa ------------------------------- Jeffrey L. Karafa Treasurer and Chief Financial Officer Date: July 16, 2003 Exhibit Index No. Description 99.1 Registrant's July 16, 2003 News Release announcing its 2003 second quarter earnings.