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 11, 2003


                           James Monroe Bancorp, Inc.
             (Exact name of registrant as specified in its charter)
<TABLE>
<CAPTION>

<S>                                                  <C>                          <C>
                     Virginia                               000-32641                    54-1941875
  (State or other jurisdiction of incorporation)      Commission File Number          (I.R.S. Employer
                                                                                     Identification No.)

    3033 Wilson Boulevard, Arlington, Virginia                                              22201
     (Address of principal executive offices)                                            (Zip Code)
</TABLE>

        Registrant's telephone number, including area code: 703.524.8100
<PAGE>



Item 5  Other Matters
---------------------

         On April 11, 2003, James Monroe Bancorp, Inc. issued the press release
attached hereto as exhibit 99, announcing earnings for the first quarter of
2003, and a five for four stock split in respect of its common stock in the form
of a 25% stock dividend, payable on May 16, 2003 to holders of record as of
April 25, 2003.

Item 7. Financial Statements, Pro Forma Financial Information and Exhibits.
---------------------------------------------------------------------------

(c)      Exhibits

         99       Press Release dated April 11, 2003

Item 9. Regulation FD Disclosure.
---------------------------------

         In accordance with the guidance provided in Release Nos. 33-8216,
34-47583, the Company furnishes under this Item 9 the information furnished
under Item 12 hereof.

Item 12. Results of Operations and Financial Condition.
-------------------------------------------------------

         On April 11, 2003, James Monroe Bancorp, Inc. issued the press release
attached hereto as exhibit 99.


                                   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.



                                         JAMES MONROE BANCORP, INC.

                                         By: /s/ Richard I. Linhart
                                             ---------------------------------
                                             Richard I Linhart, Executive Vice
                                             President, Chief Operating and
                                             Financial Officer


Dated: April 11, 2003
[{"type": "8-K", "sequence": "1", "filename": "form8k.txt", "secsgml_size_bytes": 2926}]
{"company-data": {"conformed-name": "MONROE JAMES BANCORP INC", "cik": "0001114868", "assigned-sic": "6035", "irs-number": "541941875", "state-of-incorporation": "VA", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "333-38098", "film-number": "03646794"}, "business-address": {"street1": "3033 WILSON BLVD", "city": "ARLINGTON", "state": "VA", "zip": "22201", "phone": "7035248100"}, "mail-address": {"street1": "3033 WILSON BLVD", "city": "ARLINGTON", "state": "VA", "zip": "22201"}}
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 11, 2003

                           James Monroe Bancorp, Inc.
             (Exact name of registrant as specified in its charter)
Virginia                               000-32641                    54-1941875
  (State or other jurisdiction of incorporation)      Commission File Number          (I.R.S. Employer
                                                                                     Identification No.)

    3033 Wilson Boulevard, Arlington, Virginia                                              22201
     (Address of principal executive offices)                                            (Zip Code)
Registrant's telephone number, including area code: 703.524.8100
Item 5  Other Matters
---------------------

         On April 11, 2003, James Monroe Bancorp, Inc. issued the press release
attached hereto as exhibit 99, announcing earnings for the first quarter of
2003, and a five for four stock split in respect of its common stock in the form
of a 25% stock dividend, payable on May 16, 2003 to holders of record as of
April 25, 2003.

Item 7. Financial Statements, Pro Forma Financial Information and Exhibits.
---------------------------------------------------------------------------

(c)      Exhibits

         99       Press Release dated April 11, 2003

Item 9. Regulation FD Disclosure.
---------------------------------

         In accordance with the guidance provided in Release Nos. 33-8216,
34-47583, the Company furnishes under this Item 9 the information furnished
under Item 12 hereof.

Item 12. Results of Operations and Financial Condition.
-------------------------------------------------------

         On April 11, 2003, James Monroe Bancorp, Inc. issued the press release
attached hereto as exhibit 99.

                                   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.

                                         JAMES MONROE BANCORP, INC.

                                         By: /s/ Richard I. Linhart
                                             ---------------------------------
                                             Richard I Linhart, Executive Vice
                                             President, Chief Operating and
                                             Financial Officer

Dated: April 11, 2003