8-K

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                                  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): April 15, 2005

                         FREDERICK COUNTY BANCORP, INC.
             (Exact name of registrant as specified in its charter)

                        Commission file number: 000-50407

               Maryland                             20-0049496
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   (State or Other Jurisdiction of    (I.R.S. Employer Identification Number)
    Incorporation or Organization)

                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))

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ITEM 2.02     RESULTS OF OPERATIONS AND FINANCIAL CONDITION

          On April 15, 2005, the Registrant announced its earnings for the three
months ended March 31, 2005. For further information, reference is made to the
Registrant's press release, dated April 15, 2005, 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 April 15, 2005, the Registrant announced its earnings for the three
months ended March 31, 2005. For further information, reference is made to the
Registrant's press release, dated April 15, 2005, 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 April 15, 2005



                                   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.
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                                             William R. Talley,
                                             Jr., Executive Vice President and
                                             Chief Financial Officer
                                             (Principal Accounting Officer)

Dated: April 15, 2005

EX-99.1

                                                                    Exhibit 99.1

    FREDERICK COUNTY BANCORP, INC. REPORTS RESULTS FOR THE FIRST QUARTER 2005

     FREDERICK, Md., April 15 /PRNewswire-FirstCall/ -- Frederick County
Bancorp, Inc. (the "Company") (OTC Bulletin Board: FCBI), the parent company for
Frederick County Bank, announced today that, as of March 31, 2005, after
slightly less than three and a half years in operation, assets stood at $184.6
million, with deposits of $168.9 million and loans of $140.0 million. For the
quarter ended March 31, 2005 the Company recorded a net profit of $516,000 and
diluted earnings per share of $0.34, which compares favorably to the net profit
of $289,000 and diluted earnings per share of $0.19 recorded for the first
quarter of 2004.

SOURCE  Frederick County Bancorp, Inc.
     -0-                             04/15/2005
     /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