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                                    FORM 8-K
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549



    CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d)OF THE SECURITIES EXCHANGE
                                  ACT OF 1934

       Date of Report (date of earliest event reported): December 2, 2003


                     FRIEDMAN, BILLINGS, RAMSEY GROUP, INC.
             (Exact name of Registrant as specified in its charter)




   Virginia                      54-1873198                   000-50230
(State or other    (I.R.S. Employer incorporation or    (Commission File Number)
jurisdiction of                organization)
Identification No.)



                             1001 Nineteenth Street
                            North Arlington, VA 22209
               (Address of principal executive offices) (Zip code)


                                 (703) 312-9500
               (Registrant's telephone number including area code)



Item 9. Regulation FD Disclosure.

1.   On December 3, 2003,  Friedman,  Billings,  Ramsey  Group, Inc. will make a
     presentation  to  investors  at the  Friedman  Billings  Ramsey 10th Annual
     Investor  Conference  in New  York,  NY.  A copy  of  the  presentation  is
     furnished herewith as Exhibit 99.1.


EXHIBIT LIST

99.1 Presentation  by Friedman,  Billings,  Ramsey  Group,  Inc. at the Friedman
     Billings Ramsey 10th Annual Investor Conference in New York, NY.

     An additional PDF version of Friedman, Billings, Ramsey Group, Inc.'s
     presentation is furnished herewith as Exhibit 99.1



                                   SIGNATURE

     Pursuant to the  requirements  of the Securities  Exchange Act of 1934, the
Company  has  duly  caused  this  Report  to be  signed  on  its  behalf  by the
undersigned hereunto duly authorized.



                                    FRIEDMAN, BILLINGS, RAMSEY GROUP, INC.


Date:  December 2, 1003             By: /s/ Emanuel J. Friedman
                                    --------------------------------
                                    Emanuel J. Friedman
                                    Co-Chairman & Co-Chief Executive Officer