8-K

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): November 9, 2004

METROCORP BANCSHARES, INC.

(Exact name of registrant as specified in its charter)

Texas	0-25141	76-0579161
(State or other jurisdiction of	(Commission File Number)	(I.R.S. Employer
incorporation or organization)		Identification No.)

9600 Bellaire Boulevard, Suite 252
Houston, Texas	77036
(Address of principal executive offices)	(Zip Code)

Registrant’s telephone number, including area code: (713) 776-3876

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):

o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

TABLE OF CONTENTS

	Item 7.01. Regulation FD Disclosure.
	Item 9.01. Financial Statements and Exhibits.
SIGNATURES
EXHIBIT INDEX
Investor Presentation

Item 7.01. Regulation FD Disclosure.

     On November 9, 2004, management of MetroCorp Bancshares, Inc. (the “Company”) presented information regarding the Company’s business to investors at the Hoefer & Arnett 2004 Asian Banking Conference and to other investors and intends to present the same information to various other members of the investment community on November 10, 2004. The slide presentation given at this conference and to investors is filed as Exhibit 99.1 to this Current Report on Form 8-K. The foregoing description is qualified by reference to such exhibit.

     The information contained in this Current Report on Form 8-K, including the exhibit attached hereto, is being furnished to the Securities and Exchange Commission and shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to liabilities of that Section, nor shall it be deemed to be incorporated by reference into any registration statement or other document filed pursuant to the Securities Act of 1933, as amended.

Item 9.01. Financial Statements and Exhibits.

     Exhibits. The following materials are filed as exhibits to this Current Report on Form 8-K:

     99.1 — Investor presentation given November 9, 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.

	METROCORP BANCSHARES, INC. (Registrant)
Dated: November 9, 2004	By:	/s/ George Lee
		George Lee
		Chief Executive Officer

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EXHIBIT INDEX

Exhibit
Number	Description
99.1	Investor Presentation given November 9, 2004

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EX-99.1

MetroBank Learning from the past. Moving to the future. Hoefer & Arnett 2004 Asian Banking Conference Tuesday, November 9, 2004

Forward-Looking Statements The statements contained in this presentation that are not historical facts are forward-looking statements made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Forward-looking statements describe MetroCorp's future plans, projections, strategies and expectations, are based on assumptions and involve a number of risks and uncertainties, many of which are beyond MetroCorp's control. Actual results could differ materially from those projected due to changes in interest rates, competition in the industry, changes in local and national economic conditions and various other factors. Additional information concerning such factors that could affect MetroCorp is contained in MetroCorp's filings with the SEC.

Solid Tradition and Foundation

18 Years of Growth and Opportunity Largest publicly-owned Asian-American bank in the Southeast U.S. $900 million+ asset base Profitable each year 75% of our employees are multilingual Established foothold in Houston/Dallas

Mission MetroBank is a high-performance community bank dominant in the Asian market, with the highest quality of service and product value. We acquire and develop innovative, optimal and professional core competencies to meet the current and emerging needs of our market with passion and urgency.

Asian population in US, 2000 Growing at an average annual rate of 3.8% The Asian population in Texas is about 16.5% of the Asian population of California. Source: U.S. Census, 2000

Asian population in Texas, 2000 Growing at an average annual rate of 4.5%

MetroBank Locations, Houston

MetroBank Locations, Dallas Opportunity

CDs > $100,000

DDAs > $100,000

MetroBank History 1987 Bank opens for business 1988 Name change 1989 1st acquisition; Initial loan agreement with SBA 1998 NASDAQ listing

Profitable every year

Non-Performing Assets

Assets vs. NPAs Trend

Loan Mix

Industry Concentration

Net Charge-offs

Efficiency Ratios

Management and Culture

Customer Focused

Leaders An average of 20 years of banking experience Don J. Wang Chairman of the Board George M. Lee President, CEO, Executive Vice Chair of MetroCorp David Tai Chief Business Development Officer, President of Bank Bert Baker Chief Lending Officer David Choi Chief Financial Officer Allen Cournyer Chief Information and Operations Officer Kevin Shu Chief Accounting Officer Esau Liu Regional President - Dallas Michelle Phung Chief Human Resources Officer Terrance Tangen Chief Credit Officer

Management Teams David Tai & Bert Baker Business Development Terry Tangen & Steve Sung Asset Quality Allen Cournyer & Andy Ho Technology and Operations Michelle Phung & Rosie Antoine Human Resources David Choi & Kevin Shu Finance/Accounting Diverse Skills. Diverse Cultures.

Moving Forward

Opportunities Transfer of wealth between generations Transfer of capital between continents Successful second generation Asian- American professionals Chinese economy Texas economy Growing Asian population and wealth in Texas

Capturing opportunities Focus on mission Balance culture with professional training Hiring, training, and upgrading Process driven/integration Data/research driven Inter-departmental integration

Integration of Functions

Integration of Functions

Integration of Functions

Investments in Resources Sarbanes-Oxley compliance Balancing expense with execution Recruiting and development Branding Setting optimal objectives and incentive plans Technology

Expectations Much improved asset quality Efficiency ratio improvement Balanced asset/earning growth Diversification of core business portfolio Improved investor relationships Brand/Image improvement

Gee Hwei