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): JULY 11, 2006

                         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))

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ITEM 2.02       RESULTS OF OPERATIONS AND FINANCIAL CONDITION

     On July 11, 2006, the Registrant announced its earnings for the first six
months ended June 30, 2006. For further information, reference is made to the
Registrant's press release, dated July 11, 2006, 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 11, 2006, the Registrant announced its earnings for the first six
months ended June 30, 2006. For further information, reference is made to the
Registrant's press release, dated July 11, 2006, 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 11, 2006



                                   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 11, 2006

EX-99.1

                                                                    Exhibit 99.1

   FREDERICK COUNTY BANCORP, INC. REPORTS RESULTS FOR THE SECOND QUARTER 2006

    FREDERICK, Md., July 11 /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,
2006, the Company recorded a net profit of $513,000 and diluted earnings per
share of $0.34, as compared to the net profit of $400,000 and diluted earnings
per share of $0.26 recorded for the second quarter of 2005. The Company earned
$992,000 with diluted earnings per share of $0.65 for the first half of 2006
which compares favorably to the $916,000 in earnings and diluted earnings per
share of $0.60 for the same period in 2005.

    The Company also reported that, as of June 30, 2006, assets stood at $226.7
million, with deposits of $208.7 million and loans of $164.0 million,
representing increases of 19.1%, 19.7% and 10.4%, respectively, over the second
quarter of 2005.

    The Company's wholly-owned subsidiary, Frederick County Bank (the "Bank"),
was founded in 2001 and has two existing Frederick City branch offices at 30
West Patrick Street and 1595 Opossumtown Pike. The Bank's two new branch
locations at 200 Commerce Drive in Walkersville and 6910 Crestwood Boulevard in
Frederick are currently under construction and are expected to open in September
2006.

SOURCE  Frederick County Bancorp, Inc.
    -0-                             07/11/2006
    /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)