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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549
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                                    FORM 8-K

                                 CURRENT REPORT

     Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
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         Date of Report (Date of earliest event reported): July 22, 2004


                       PENNSYLVANIA COMMERCE BANCORP, INC.
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             (Exact Name of Registrant as Specified in its Charter)


           Pennsylvania                   333-78445             25-1834776
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   (State or other jurisdiction of       (Commission        (I.R.S. Employer
    incorporation or organization)       file number)       Identification No.)



                100 Senate Avenue, Camp Hill, Pennsylvania 17011
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               (Address of Principal Executive Offices) (zip code)



                                 (717) 975-5630
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                     (Telephone number, including area code)














Item 7.  Financial Statements and Exhibits

         Exhibit No.
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          99.1     Press Release, dated July 22, 2004

          99.2     Supplemental Information



Item 12.  Results of Operations and Financial Condition

         On July 22, 2004,  Pennsylvania  Commerce Bancorp,  Inc. issued a press
release  reporting  financial  results for its second quarter of 2004. A copy of
the press release is attached as Exhibit 99.1 to this report.

         On  July  22,  2004  the  Registrant  also  made  certain  supplemental
information  available.  A copy of the  supplemental  information is attached as
Exhibit 99.2 to this report.














                                   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.



                                    Pennsylvania Commerce Bancorp, Inc.
                                    -------------------------------------------
                                                      (Registrant)



  Date: July 22, 2004               /s/ Gary L. Nalbandian
                                    -------------------------------------------
                                    Gary L. Nalbandian,
                                    Chairman and President

                                    /s/ Mark A. Zody
                                    -------------------------------------------
                                    Mark A. Zody,
                                    Chief Financial Officer
                                    (Principal Financial and Accounting Officer)




                                  EXHIBIT INDEX

Exhibit No.            DESCRIPTION
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    99.1              Press Release of Pennsylvania Commerce Bancorp, Inc. dated
                      July 22, 2004.
    99.2              Supplemental Information