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: November 10, 2004 (Date of earliest event reported) QCR Holdings, Inc. ------------------------------------------------------ (Exact name of Registrant as specified in its charter) Delaware ---------------------------------------------- (State or other jurisdiction of incorporation) 0-22208 42-1397595 -------------------------------------------------------------------------------- (Commission File Number) (I.R.S. Employer Identification Number) 3551 Seventh Street, Suite 204, Moline, Illinois 61265 -------------------------------------------------------------------------------- (Address of principal executive offices) (Zip Code) (309) 736-3580 ---------------------------------------------------- (Registrant's telephone number, including area code) 1 Item 9.01. Financial Statements and Exhibits (a) Financial Statements of Business Acquired. None (b) Exhibits. 99.1 Shareholder letter to be presented in the quarterly shareholder publication, "Investor Update". Item 2.02. Results of Operations and Financial Condition On November 10, 2004, QCR Holdings, Inc. issued a shareholder letter discussing the Company's financial results for the third quarter ended September 30, 2004. The letter is attached hereto as Exhibit 99.1. 2 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: November 10, 2004 By: /s/ Todd A Gipple ------------------------ Todd A. Gipple Chief Financial Officer 3