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 20, 2004 James Monroe Bancorp, Inc. (Exact name of registrant as specified in its charter) Virginia 000-32641 54-1941875 (State or other jurisdiction Commission File Number (I.R.S. Employer of incorporation) Identification No.) 3033 Wilson Boulevard, Arlington, Virginia 22201 (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: 703.524.8100 Item 7. Financial Statements, Pro Forma Financial Information and Exhibits. - --------------------------------------------------------------------------- (c) Exhibits 99 Press Release dated January 20, 2004 Item 9. Regulation FD Disclosure. - --------------------------------- Item 12. Results of Operations and Financial Condition. - ------------------------------------------------------- On January 20, 2004 James Monroe Bancorp, Inc. issued the press release attached hereto as exhibit 99. 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. JAMES MONROE BANCORP, INC. By: /s/ Richard I. Linhart -------------------------------------------- Richard I Linhart, Executive Vice President, Chief Operating and Financial Officer Dated: January 20, 2004