================================================================================


                       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 12, 1999

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

         DELAWARE                        0-24891                65-0405207 
(State or other jurisdiction           (Commission             (IRS Employer
    of incorporation)                  File Number)          Identification No.)

          4400 PGA BOULEVARD
      PALM BEACH GARDENS, FLORIDA                                  33410
(Address of principal executive offices)                         (Zip Code)

        Registrant's telephone number, including area code (516) 624-4701

================================================================================

<PAGE>



Item 5.  OTHER EVENTS.

         The Registrant issued a press release on April 12, 1999 announcing its
first quarter 1999 results.

Item 7.  EXHIBITS.

         The following exhibit is filed with this Current Report on Form 8-K.

         EXHIBIT NO.    DESCRIPTION
         -----------    -----------
              99        Press release announcing first quarter profits for 1999.








                                   Page 2 of 6


<PAGE>



                                   SIGNATURES

         Pursuant to the requirements of the Securities Exchange Act of 1934,
Admiralty Bancorp, Inc., has duly caused this report to be signed on its behalf
by the undersigned thereunto duly authorized.

                                           ADMIRALTY BANCORP, INC. 
                                           (Registrant)


Dated:   April 12, 1999                     By: /S/ WARD KELLOGG
                                                ---------------------------
                                                    WARD KELLOGG
                                                    President and
                                                    Chief Executive Officer


                                   Page 3 of 6


<PAGE>



                                  EXHIBIT INDEX

                           CURRENT REPORT ON FORM 8-K

EXHIBIT NO.       DESCRIPTION                                          PAGE NO.
-----------       -----------                                          --------

       99         Press release announcing first quarter                  5 
                  profits for 1999.


                                   Page 4 of 6
[{"type": "8-K", "sequence": "1", "secsgml_size_bytes": 2850}]
{"company-data": {"conformed-name": "ADMIRALTY BANCORP INC", "cik": "0001066808", "assigned-sic": "6022", "irs-number": "223543338", "state-of-incorporation": "DE", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-24891", "film-number": "99593930"}, "business-address": {"street1": "4400 PGA BLVD", "street2": "STE 200", "city": "PALM BEACH GARDENS", "state": "FL", "zip": "33410", "phone": "5616244100"}, "mail-address": {"street1": "4400 PGA BLVD STE 200", "street2": "4400 PGA BLVD STE 200", "city": "PALM BEACH GARDENS", "state": "FL", "zip": "33410"}}
================================================================================

                       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 12, 1999

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

         DELAWARE                        0-24891                65-0405207 
(State or other jurisdiction           (Commission             (IRS Employer
    of incorporation)                  File Number)          Identification No.)

          4400 PGA BOULEVARD
      PALM BEACH GARDENS, FLORIDA                                  33410
(Address of principal executive offices)                         (Zip Code)

        Registrant's telephone number, including area code (516) 624-4701

================================================================================
Item 5.  OTHER EVENTS.

         The Registrant issued a press release on April 12, 1999 announcing its
first quarter 1999 results.

Item 7.  EXHIBITS.

         The following exhibit is filed with this Current Report on Form 8-K.

         EXHIBIT NO.    DESCRIPTION
         -----------    -----------
              99        Press release announcing first quarter profits for 1999.

                                   Page 2 of 6
SIGNATURES

         Pursuant to the requirements of the Securities Exchange Act of 1934,
Admiralty Bancorp, Inc., has duly caused this report to be signed on its behalf
by the undersigned thereunto duly authorized.

                                           ADMIRALTY BANCORP, INC. 
                                           (Registrant)

Dated:   April 12, 1999                     By: /S/ WARD KELLOGG
                                                ---------------------------
                                                    WARD KELLOGG
                                                    President and
                                                    Chief Executive Officer

                                   Page 3 of 6
EXHIBIT INDEX

                           CURRENT REPORT ON FORM 8-K

EXHIBIT NO.       DESCRIPTION                                          PAGE NO.
-----------       -----------                                          --------

       99         Press release announcing first quarter                  5 
                  profits for 1999.

                                   Page 4 of 6