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                                  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): July 19, 2004

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

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


        1 Rockefeller Plaza, Suite 400, New York, New York      10020-2002
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             (Address of Principal Executive Offices)           (Zip Code)


       Registrant's Telephone Number Including Area Code:  (212) 218-2800
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ITEM 12. RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

On  July  19,  2004,  the  registrant  issued an earnings release related to its
quarterly  period  ended  June  30,  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:   July 19, 2004                By:  /s/  Lowell  S.  Dansker
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                                          LOWELL  S.  DANSKER,
                                          VICE CHAIRMAN, PRESIDENT AND TREASURER
                                          (Principal  Executive  Officer  and
                                          Principal  Financial  Officer)



                                INDEX TO EXHIBITS


Exhibit No.     Description
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99.1            Press Release dated July 19, 2004