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: October 21, 2004
                        (Date of earliest event reported)


                               QCR Holdings, Inc.
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             (Exact name of Registrant as specified in its charter)


                                    Delaware
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                 (State or other jurisdiction of incorporation)


       0-22208                                          42-1397595
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(Commission File Number)                 (I.R.S. Employer Identification Number)


             3551 Seventh Street, Suite 204, Moline, Illinois 61265
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               (Address of principal executive offices)   (Zip Code)


                                 (309) 736-3580
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              (Registrant's telephone number, including area code)


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Item 2.02  Results of Operations and Financial Condition

On October 21, 2004, QCR Holdings,  Inc.  issued a press release  announcing its
earnings for the third  quarter ended  September 30, 2004.  The press release is
attached hereto as Exhibit 99.1.

Item 9.01  Financial Statements and Exhibits

           (a)  Financial Statements of Business Acquired.

                None.

           (b)  Pro Forma Financial Information.
  
                None.

           (c)  Exhibits.

                99.1   Press Release dated October 21, 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 here unto duly authorized.

                                                   QCR HOLDINGS, INC.

Dated:  October 21, 2004                           By:  /s/ Todd A Gipple
                                                        ------------------------
                                                        Todd A. Gipple
                                                        Chief Financial Officer


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