UNITED STATES
                       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 26, 2004


                        American Community Bancorp, Inc.
             (Exact name of registrant as specified in its charter)


           Indiana                     000-50946                 20-1541152
(State or other jurisdiction       (Commission File             (IRS Employer
      of Incorporation)                 Number)              Identification No.)

                                 4424 Vogel Road
                            Evansville, Indiana 47715

                    (Address of principal executive offices)

       Registrant's telephone number, including area code: (812) 962-2265

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 2.02.  RESULTS OF OPERATION AND FINANCIAL CONDITION.

         On October 26, 2004, American Community Bancorp, Inc. issued a press
release announcing its financial results for the quarter ending September 30,
2004. A copy of the press release is furnished as Exhibit 99.1 to this report.

ITEM 9.01.  FINANCIAL STATEMENTS AND EXHIBITS.

       (c)  Exhibits

       Exhibit 99.1  -  Press release issued by American Community Bancorp, Inc.
                        dated October 26, 2004.


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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.


Dated: October 26, 2004                    AMERICAN COMMUNITY BANCORP, INC.



                                       By: /s/ Stephen C. Byelick, Jr.
                                           ------------------------------------
                                           Stephen C. Byelick, Jr.
                                           Secretary and Chief Financial Officer


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                                  EXHIBIT INDEX

EXHIBIT        DESCRIPTION
  NO.

  99.1         Press release issued by American Community Bancorp, Inc., dated
               October 26, 2004.









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