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)              January 19, 2005
                                                 -------------------------------

                       Pennsylvania Commerce Bancorp, Inc.
 -------------------------------------------------------------------------------
             (Exact name of registrant as specified in its charter)

              Pennsylvania                000-50961                 25-1834776
- --------------------------------------------------------------------------------
      (State or other jurisdiction      (Commission            (IRS Employer
            of incorporation)           File Number)         Identification No.)

      100 Senate Avenue, Camp Hill, Pennsylvania                 17011
- --------------------------------------------------------------------------------
      (Address of principal executive offices)                (Zip Code)


Registrant's telephone number, including area code            (717)975-5630
                                                   -----------------------------

                                      N/A
- --------------------------------------------------------------------------------
         (Former name or former address, if changed since last report.)

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:

[ ]  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 Operations and Financial Condition

         On January 19, 2005, Pennsylvania Commerce Bancorp, Inc. issued a press
release  reporting  financial  results for its fourth quarter of 2004. A copy of
the press release is attached as Exhibit 99.1 to this report.

         On January 19, 2005,  the  Registrant  also made  certain  supplemental
information  available.  A copy of the  supplemental  information is attached as
Exhibit 99.2 to this report.



Item 9.01.   Financial Statements and Exhibits

         Exhibit No.
         -----------

99.1     Press Release, dated January 19, 2005

99.2     Supplemental Information






                                   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: January 19, 2005            /s/ Gary L. Nalbandian
                                          -------------------------------------
                                          Gary L. Nalbandian,
                                          Chairman and President

                                          /s/ Mark A. Zody
                                          -------------------------------------
                                          Mark A. Zody,
                                          Chief Financial Officer









                                  EXHIBIT INDEX



Exhibit No.           DESCRIPTION
- -----------          -------------

    99.1             Press Release of Pennsylvania Commerce Bancorp, Inc. dated
                     January 19, 2005.

    99.2             Supplemental Information