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): October 21, 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 7. Financial Statements and Exhibits 99.1 Registrant's October 21, 2003 News Release announcing its 2003 third quarter earnings Item 12. Results of Operations and Financial Conditions On October 21, 2003, the Registrant issued a news release announcing its 2003 third quarter earnings. A copy of the news release, including unaudited financial information released as a part thereof, is attached as Exhibit 99.1. The information in this Form 8-K and the attached Exhibit shall not be deemed filed for purposes of Section 18 of the Securities Act of 1934, nor shall it be deemed incorporated by reference in any such filing under the Securities Act of 1933, except as shall be expressly set forth by specific reference in such filing. DEARBORN BANCORP, INC. FORM 8-K (continued) 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/ Michael J. Ross ------------------------------- Michael J. Ross President and Chief Executive Officer /s/ Jeffrey L. Karafa ------------------------------- Jeffrey L. Karafa Treasurer and Chief Financial Officer Date: October 21, 2003 EXHIBIT INDEX Exhibit No. Description - ------------ ----------- Exhibit 99.1 Press Release dated October 21, 2003.