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): July 6, 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




ITEM 9. REGULATION FD DISCLOSURE

      On July 6, 2004, the Registrant announced the appointment of Helen G. Hahn
to its Board of Directors. For further information, reference is made to the
Registrant's press release, dated July 6, 2004, which is attached hereto as
Exhibit 99.1 and incorporated herein by reference. The attached press release is
furnished pursuant to this Item 9 of Form 8-K.

EXHIBIT INDEX

Exhibit 99.1      Press Release dated July 6, 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: July 6, 2004

EX-99.1

                                                                    Exhibit 99.1

       Helen Hahn Named as a Director of Frederick County Bancorp, Inc.

    FREDERICK, Md., July 6 /PRNewswire-FirstCall/ -- John N. Burdette,
Chairman of the Board for Frederick County Bancorp, Inc. (the "Company")
(OTC Bulletin Board: FCBI), announced today that Helen G. Hahn has been
appointed to the Board of Directors for the Company.

    "We are very pleased and honored to have this talented business
professional join us on the Company's Board of Directors.  Helen has
demonstrated extraordinary leadership skills in the banking world as well as
in the Frederick community and will bring a unique blend of valuable and
relevant experience to her new position," said Mr. Burdette.

    Mrs. Hahn has 35 years of banking experience in local community banking,
starting her career as a courier with Frederick County National Bank and
ultimately reaching the position of Senior Vice President of Operations with
FCNB Bank before her retirement in 2001.  She is currently employed as
Treasurer for the Evangelical Lutheran Church in Frederick.  She is also a
member of the Board of Directors of The Loats Foundation, which provides
scholarship assistance to students attending area colleges and universities.

    Mrs. Hahn's involvement in the local community includes many years of
service on the United Way's Allocation Committees.  She is a member of the
Evangelical Lutheran Church, where she is an active participant in the music
ministry of the church.  Mrs. Hahn resides in Frederick County.

    The Company's wholly-owned subsidiary, Frederick County Bank (the "Bank"),
has branch offices at 30 West Patrick Street (Patrick Financial Center) and
1595 Opossumtown Pike.  For further information about either this announcement
or Frederick County Bank, please call 301-620-1400, or visit the Bank's
website, http://www.frederickcountybank.com.

SOURCE  Frederick County Bancorp, Inc.
    -0-                             07/06/2004
    /CONTACT:  William R. Talley, Jr., Executive Vice President and Chief
Financial Officer of Frederick County Bancorp, Inc., +1-240-529-1507/
    /Web site:  http://www.frederickcountybank.com /
    (FCBI)

CO:  Frederick County Bancorp, Inc.
ST:  Maryland
IN:  FIN OTC
SU:  PER