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): October 25, 2005

                        TENNESSEE COMMERCE BANCORP, INC.

     Tennessee                      000-51281                    62-1815881
(State or Other Jurisdiction    (Commission File Number)      (I.R.S. Employer
   of Incorporation)                                         Identification No.)

         381 Mallory Station Road, Suite 207, Franklin, Tennessee 37067

                                 (615) 599-2274


Check the appropriate  box if the Form 8-K filing is intended to  simultaneously
satisfy  the filing  obligation  of the  registrant  under any of the  following
provisions:

[ ]    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.13e-4(c))



<PAGE>

Item 2.02.  Results of Operations and Financial Condition.

     On October 25, 2005,  Tennessee Commerce Bancorp,  Inc. (the "Corporation")
issued the press release and report to  shareholders  (including  both the press
release  and  consolidated  financial  highlights  of the  Corporation)  that is
furnished  as Exhibit  99.1 to this  Current  Report on Form 8-K,  which by this
reference is incorporated  herein as if copied  verbatim,  with respect to third
quarter results of operations,  financial condition, and other information. Also
on October 25, 2005, the Chairman and Chief Executive Officer of the Corporation
commented on the third quarter results of operations and financial  condition of
the  Corporation  on a radio  interview  broadcast  on WAKM,  950 AM,  Franklin,
Tennessee. The transcript of this broadcast is furnished as Exhibit 99.2 to this
Current Report on Form 8-K, which by this reference is incorporated herein as if
copied verbatim.


Item 7.01.  Regulation FD Disclosure.

     The  information  set forth in Item 2.02 above is incorporated by reference
as if fully set forth herein.


Item 9.01.  Financial Statements and Exhibits.

(a)  Financial Statements. None

(b)  Pro Forma Financial Information. None

(c)  Exhibits.

     99.1 Press Release and Report to Shareholders  issued by Tennessee Commerce
          Bancorp, Inc. dated October 25, 2005.

     99.2 Transcript of radio  interview  with the Chairman and Chief  Executive
          Officer of  Tennessee  Commerce  Bancorp,  Inc.,  commenting  on third
          quarter  results of operations and financial  condition,  broadcast on
          WAKM, 950 AM, Franklin, Tennessee, on October 25, 2005.


<PAGE>

                                    SIGNATURE

     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.

Dated:  October 27, 2005            TENNESSEE COMMERCE BANCORP, INC.


                                    By:/s/ Arthur F. Helf
                                       -----------------------------------------
                                    Name:  Arthur F. Helf
                                    Title: Chairman and Chief Executive Officer
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{"company-data": {"conformed-name": "Tennessee Commerce Bancorp, Inc.", "cik": "0001323033", "assigned-sic": "6022", "irs-number": "621815881", "state-of-incorporation": "TN", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-51281", "film-number": "051160158"}, "business-address": {"street1": "381 MALLORY STATION RD", "street2": "SUITE 207", "city": "FRANKLIN", "state": "TN", "zip": "37067-8264", "phone": "615-599-2274"}, "mail-address": {"street1": "381 MALLORY STATION RD", "street2": "SUITE 207", "city": "FRANKLIN", "state": "TN", "zip": "37067-8264"}}
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): October 25, 2005

                        TENNESSEE COMMERCE BANCORP, INC.

     Tennessee                      000-51281                    62-1815881
(State or Other Jurisdiction    (Commission File Number)      (I.R.S. Employer
   of Incorporation)                                         Identification No.)

         381 Mallory Station Road, Suite 207, Franklin, Tennessee 37067

                                 (615) 599-2274

Check the appropriate  box if the Form 8-K filing is intended to  simultaneously
satisfy  the filing  obligation  of the  registrant  under any of the  following
provisions:

[ ]    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.13e-4(c))
Item 2.02.  Results of Operations and Financial Condition.

     On October 25, 2005,  Tennessee Commerce Bancorp,  Inc. (the "Corporation")
issued the press release and report to  shareholders  (including  both the press
release  and  consolidated  financial  highlights  of the  Corporation)  that is
furnished  as Exhibit  99.1 to this  Current  Report on Form 8-K,  which by this
reference is incorporated  herein as if copied  verbatim,  with respect to third
quarter results of operations,  financial condition, and other information. Also
on October 25, 2005, the Chairman and Chief Executive Officer of the Corporation
commented on the third quarter results of operations and financial  condition of
the  Corporation  on a radio  interview  broadcast  on WAKM,  950 AM,  Franklin,
Tennessee. The transcript of this broadcast is furnished as Exhibit 99.2 to this
Current Report on Form 8-K, which by this reference is incorporated herein as if
copied verbatim.

Item 7.01.  Regulation FD Disclosure.

     The  information  set forth in Item 2.02 above is incorporated by reference
as if fully set forth herein.

Item 9.01.  Financial Statements and Exhibits.

(a)  Financial Statements. None

(b)  Pro Forma Financial Information. None

(c)  Exhibits.

     99.1 Press Release and Report to Shareholders  issued by Tennessee Commerce
          Bancorp, Inc. dated October 25, 2005.

     99.2 Transcript of radio  interview  with the Chairman and Chief  Executive
          Officer of  Tennessee  Commerce  Bancorp,  Inc.,  commenting  on third
          quarter  results of operations and financial  condition,  broadcast on
          WAKM, 950 AM, Franklin, Tennessee, on October 25, 2005.
SIGNATURE

     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.

Dated:  October 27, 2005            TENNESSEE COMMERCE BANCORP, INC.

                                    By:/s/ Arthur F. Helf
                                       -----------------------------------------
                                    Name:  Arthur F. Helf
                                    Title: Chairman and Chief Executive Officer