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): October 18, 2004


                         ALABAMA NATIONAL BANCORPORATION
                         -------------------------------
             (Exact Name of Registrant as Specified in its Charter)



              Delaware                    0-25160                  63-1114426
      (State of Incorporation)    (Commission File Number)      (IRS Employer
                                                          Identification Number)


               1927 First Avenue North, Birmingham, Alabama 35203
          (Address of principal executive offices, including zip code)

                                 (205) 583-3600
              (Registrant's telephone number, including area code)



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 (17CFR 240.13e-4(c))




Item 2.02.         Results of Operations and Financial Condition.

     On October 18, 2004, Alabama National BanCorporation issued a press release
announcing financial results for the nine months and quarter ended September 30,
2004. The press release is attached as Exhibit 99.1 to this Form 8-K and is
furnished to, but not filed with, the Commission.

Item 9.01.          Financial Statements and Exhibits.

(c)      Exhibits.

         Exhibit Number                 Exhibit
         --------------                 -------
         99.1                           Press Release dated October 18, 2004




                                   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.



                                Alabama National Bancorporation

                                By: /s/ William E. Matthews, V
                                    --------------------------------------------
                                    William E. Matthews, V
                                    Executive Vice President and Chief Financial
                                    Officer


Dated: October 18, 2004




                                INDEX TO EXHIBITS


Exhibit Number                  Exhibit
- --------------                  -------
99.1                            Press Release dated October 18, 2004*


*  This exhibit is furnished to, but not filed with, the Commission by inclusion
   herein.