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 27, 2004


                           James Monroe Bancorp, Inc.
             (Exact name of registrant as specified in its charter)



                                                                             
                   Virginia                               000-32641                    54-1941875
                   --------                               ---------                    ----------
(State or other jurisdiction of incorporation)      Commission File Number          (I.R.S. Employer
                                                                                   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 July 27, 2004

Item 9. Regulation FD Disclosure.

Item 12. Results of Operations and Financial Condition.

On July 27, 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: July 27, 2004