8-K 1 a4689623.txt ANNAPOLIS BANCORP, INC. 8-K 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 July 28, 2004 ANNAPOLIS BANCORP, INC. ----------------------- (Exact name of registrant as specified in its charter) Maryland 000-22961 52-1595772 -------- --------- ---------- (State or other jurisdiction (Commission File No.) (IRS Employer of incorporation) Identification Number) 1000 Bestgate Road, Annapolis, Maryland 21401 --------------------------------------------- (Address of principal executive offices and zip code) Registrant's telephone number, including area code: (410) 224-4455 -------------- Not Applicable. --------------- (Former name or former address, if changed since last report) -------------------------------------------------------------------------------- Item 7. Financial Statements and Exhibits --------------------------------- (c) Exhibits Exhibit 99.1 - Press Release of Annapolis Bancorp, Inc. Item 12. Disclosure of Results of Operations and Financial Condition. ----------------------------------------------------------- The following information is furnished pursuant to Item 12, "Disclosure of Results of Operations and Financial Condition." On July 28, 2004, Annapolis Bancorp, Inc. issued a press release announcing its earnings for the three and six months ended June 30, 2004. The information contained in the press release, which is attached as Exhibit 99.1 to this Form 8-K, is incorporated herein by reference. 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. ANNAPOLIS BANCORP, INC. Dated: July 28, 2004 /s/ Richard M. Lerner --------------------------------- Richard M. Lerner, Chief Executive Officer