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 10, 2007

                         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)

                9 North Market 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 July 10, 2007, the Registrant announced its earnings for the year
ended June 30, 2007. For further information, reference is made to the
Registrant's press release, dated July 10, 2007, 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 July 10, 2007, the Registrant announced its earnings for the year
ended June 30, 2007. For further information, reference is made to the
Registrant's press release, dated July 10, 2007, 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

(d) Exhibits

Exhibit 99.1      Press Release dated July 10, 2007

                                   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 10, 2007

EX-99.1

NETU078 MM-MM 09:48 Frederick County Bancorp, Inc. Reports
Results for the Q2
....nka
+ CRN ED1 FC1 IRW TNW RWB (FREDERICK COUNTY BANCORP, INC. 913906  PH)
26 19 96 91 32 01 30 31 33 99
....nk/dcreg r f bc-DC-Frederick-Q2-earns   07-10


P2

%
[STK] FCBI
[IN] FIN
[SU] ERN
TO BUSINESS EDITOR:

   Frederick County Bancorp, Inc. Reports Results for the Second Quarter 2007

      FREDERICK, Md., July 10 /PRNewswire-FirstCall/ -- Frederick County
Bancorp, Inc. (the "Company") (OTC Bulletin Board: FCBI), the parent company for
Frederick County Bank, announced today that, for the quarter ended June 30,
2007, the Company recorded a net income of $335,000 and diluted earnings per
share of $0.22, as compared to the net income of $513,000 and diluted earnings
per share of $0.34 recorded for the second quarter of 2006. The Company earned
$658,000 with diluted earnings per share of $0.43 for the first half of 2007 as
compared to the $992,000 in earnings and diluted earnings per share of $0.65 for
the same period in 2006. The decline in quarterly and year-to-date net income in
2007 as compared to 2006 was expected and continues to reflect expenses related
to the additional operating costs for the new Walkersville and Crestwood Branch
Offices which both opened in September 2006, and margin compression affecting
net interest income.

      The Company also reported that, as of June 30, 2007, assets stood at
$254.3 million, with deposits of $221.7 million and loans of $199.4 million,
representing increases of 12.2%, 6.2% and 21.6%, respectively, over the second
quarter of 2006.

SOURCE  Frederick County Bancorp, Inc.
    -0-                             07/10/2007
    /CONTACT:  William R. Talley, Jr., Executive Vice President and
Chief Financial Officer of Frederick County Bancorp, Inc., +1-240-529-1507/
    /First Call Analyst: /
    /FCMN Contact: /
    /Web site:  http://www.frederickcountybank.com/
    (FCBI)

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