========================================



                                  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): April 13, 2004

                        INTERVEST BANCSHARES CORPORATION
               (Exact Name of Registrant as Specified in Charter)

               Delaware                 000-23377           13-3699013
     -----------------------------   ---------------   ----------------------
     (State or other jurisdiction      (Commission        (IRS Employer
          of incorporation)            File Number)    Identification Number)


       10 Rockefeller Plaza, Suite 1015, New York, New York     10020-1903
       ----------------------------------------------------     ----------
             (Address of Principal Executive Offices)           (Zip Code)


       Registrant's Telephone Number Including Area Code:  (212) 218-2800
                                                           --------------




                    ========================================




ITEM 12. RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

On  April  13,  2004,  the  registrant issued an earnings release related to its
quarterly  period  ended  March  31,  2004  and the text of that announcement is
attached  hereto  as  Exhibit  99.1.  This Form 8-K and the attached exhibit are
provided under Item 12 of Form 8-K and are furnished to, but not filed with, the
Securities  and  Exchange  Commission.





                                   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.



                                 INTERVEST BANCSHARES CORPORATION



Date:  April 13, 2004            By:  /s/ Lowell S. Dansker
                                      ----------------------------------------
                                      LOWELL S. DANSKER,
                                      VICE CHAIRMAN, PRESIDENT AND TREASURER
                                      (PRINCIPAL EXECUTIVE OFFICER AND PRINCIPAL
                                      FINANCIAL OFFICER)





                                INDEX TO EXHIBITS


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

      99.1             Press Release dated April 13, 2004