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.