UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 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): AUGUST 13, 2004



                     HANOVER CAPITAL MORTGAGE HOLDINGS, INC.
               (Exact Name of Registrant as Specified in Charter)



          MARYLAND                      001-13417               13-3950486
(State or Other Jurisdiction          (Commission              (IRS Employer
       of Incorporation)              File Number)           Identification No.)



         379 THORNALL STREET, EDISON, NEW JERSEY                  08837
         (Address of Principal Executive Offices)               (ZIP Code)





        Registrant's telephone number, including area code (732) 548-0101










ITEM 12. RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

       The following information is furnished pursuant to Item 12, "Results of
Operations and Financial Condition":

       On August 13, 2004 Hanover Capital Mortgage Holdings, Inc. issued a press
release reporting second quarter 2004 financial results and other information.
The press release is attached hereto as Exhibit 99.1.

ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS.

       (c) Exhibits

        Exhibit      Description
        -------      -----------

        99.1         Press Release issued August 13, 2004







                         [Signature on following page.]





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                                   SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended,
the Registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.



                                    Hanover Capital Mortgage Holdings, Inc.



                                    /s/ J. Holly Loux
                                    --------------------------------------------
                                    Name: J. Holly Loux
                                    Title: Chief Financial Officer and Treasurer


Date: August 16, 2004






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                                  EXHIBIT INDEX


Exhibit         Description
-------         -----------

99.1            Press Release issued August 13, 2004








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