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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): JANUARY 11, 2005

                         FREDERICK COUNTY BANCORP, INC.
             (Exact name of registrant as specified in its charter)

                        COMMISSION FILE NUMBER: 000-50407

             Maryland                                 20-0049496
  (State or Other Jurisdiction of       (I.R.S. Employer Identification Number)
  Incorporation or Organization)

                30 West Patrick Street, Frederick, Maryland 21701
               (Address of Principal Executive Offices) (Zip Code)

       Registrant's telephone number, including area code: (301) 620-1400

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 (see General Instruction A.2. below):

[ ] 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 (17 CFR 240.13e-4(c))

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ITEM 2.02      RESULTS OF OPERATIONS AND FINANCIAL CONDITION

        On January 11, 2005, the Registrant announced its earnings for the three
months and for the year ended December 31, 2004. For further information,
reference is made to the Registrant's press release, dated January 11, 2005,
which is attached hereto as Exhibit 99.1 and incorporated herein by reference.
The attached press release is furnished pursuant to this Item 2.02 of Form 8-K.

ITEM 7.01      REGULATION FD DISCLOSURE

        On January 11, 2005, the Registrant announced its earnings for the three
months and for the year ended December 31, 2004. For further information,
reference is made to the Registrant's press release, dated January 11, 2005,
which is attached hereto as Exhibit 99.1 and incorporated herein by reference.
The attached press release is furnished pursuant to this Item 7.01 of Form 8-K.

ITEM 9.01      FINANCIAL STATEMENTS AND EXHIBITS

(c) Exhibits

Exhibit 99.1   Press Release dated January 11, 2005



                                   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.

                            FREDERICK COUNTY BANCORP, INC.
                            (Registrant)

                            By: /s/ William R. Talley, Jr.
                                ------------------------------------------------
                                William R. Talley, Jr., Executive Vice President
                                and Chief Financial Officer
                                (Principal Accounting Officer)

Dated: January 11, 2005