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 13, 2004

                         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
Incorporation or Organization)                            Identification Number)

                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))




Item 2.02 Results of Operations and Financial Condition

      On October 13, 2004, the Registrant announced its earnings for the three
and nine-month periods ended September 30, 2004. For further information,
reference is made to the Registrant's press release, dated October 13, 2004,
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 October 13, 2004, the Registrant announced its earnings for the three
and nine-month periods ended September 30, 2004. For further information,
reference is made to the Registrant's press release, dated October 13, 2004,
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 October 13, 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.

                                              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: October 13, 2004