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): December 14, 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 7.01.  Regulation FD Disclosure.

     On December 16, 2005, Tennessee Commerce Bancorp,  Inc. (the "Corporation")
will  begin to trade  its  common  stock on  NASDAQ's  Over-the-Counter  ("OTC")
market.  The  Corporation's  common  stock will trade under the new stock symbol
TNCC.

     On December 14, 2005,  the  Corporation  issued the report to  shareholders
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,  announcing the
trading of the  Corporation's  common  stock on  NASDAQ's  OTC  market.  Also on
December 14, 2005, the Chairman and Chief  Executive  Officer of the Corporation
announced that the Corporation's common stock will begin trading on NASDAQ's OTC
market on December 16,  2005,  to the Franklin  Rotary at  Breakfast,  Franklin,
Tennessee.  The transcript of this  announcement 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.  On December 14, 2005, the Corporation  issued the press
release to the  Williamson  Herald,  Franklin,  Tennessee,  that is furnished as
Exhibit  99.3 to this  Current  Report on Form 8-K,  which by this  reference is
incorporated  herein  as if  copied  verbatim,  announcing  the  trading  of the
Corporation's  common stock on NASDAQ's  OTC market.  Also on December 14, 2005,
the Corporation  issued the  advertisement  that is furnished as Exhibit 99.4 to
this Current Report on Form 8-K, which by this reference is incorporated  herein
as if copied verbatim,  regarding the trading of the Corporation's  common stock
on NASDAQ's OTC market.  On December 16, 2005,  the  Corporation  will issue the
press  release that is furnished as Exhibit 99.5 to this Current  Report on Form
8-K,  which by this  reference  is  incorporated  herein as if copied  verbatim,
announcing the trading of the Corporation's common stock on NASDAQ's OTC market.


Item 9.01.  Financial Statements and Exhibits.

(a) Financial Statements. None

(b) Pro Forma Financial Information. None

(c) Exhibits.

     99.1 Report to  Shareholders  issued by Tennessee  Commerce  Bancorp,  Inc.
dated December 14, 2005.

     99.2 Transcript of announcement by the Chairman and Chief Executive Officer
of Tennessee  Commerce Bancorp,  Inc., of the Corporation's  trading on NASDAQ's
OTC market to the Franklin Rotary at Breakfast, Franklin, Tennessee, on December
14, 2005.

     99.3 Press release issued to the Williamson Herald, Franklin, Tennessee, on
December 14, 2005.

     99.4 Advertisement  issued by Tennessee Commerce Bancorp,  Inc. on December
14, 2005,  announcing the trading of the Corporation's  common stock on NASDAQ's
Over-the-Counter market.

     99.5  Press  Release  issued by  Tennessee  Commerce  Bancorp,  Inc.  dated
December 16, 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:  December 15, 2005           TENNESSEE COMMERCE BANCORP, INC.


                                     By:    /s/ Arthur F. Helf
                                        ----------------------------------------
                                     Name: Arthur F. Helf
                                     Title: Chairman and Chief Executive Officer
[{"type": "8-K", "sequence": "1", "filename": "tnform8k.txt", "secsgml_size_bytes": 5020}]
{"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": "051267410"}, "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): December 14, 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 7.01.  Regulation FD Disclosure.

     On December 16, 2005, Tennessee Commerce Bancorp,  Inc. (the "Corporation")
will  begin to trade  its  common  stock on  NASDAQ's  Over-the-Counter  ("OTC")
market.  The  Corporation's  common  stock will trade under the new stock symbol
TNCC.

     On December 14, 2005,  the  Corporation  issued the report to  shareholders
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,  announcing the
trading of the  Corporation's  common  stock on  NASDAQ's  OTC  market.  Also on
December 14, 2005, the Chairman and Chief  Executive  Officer of the Corporation
announced that the Corporation's common stock will begin trading on NASDAQ's OTC
market on December 16,  2005,  to the Franklin  Rotary at  Breakfast,  Franklin,
Tennessee.  The transcript of this  announcement 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.  On December 14, 2005, the Corporation  issued the press
release to the  Williamson  Herald,  Franklin,  Tennessee,  that is furnished as
Exhibit  99.3 to this  Current  Report on Form 8-K,  which by this  reference is
incorporated  herein  as if  copied  verbatim,  announcing  the  trading  of the
Corporation's  common stock on NASDAQ's  OTC market.  Also on December 14, 2005,
the Corporation  issued the  advertisement  that is furnished as Exhibit 99.4 to
this Current Report on Form 8-K, which by this reference is incorporated  herein
as if copied verbatim,  regarding the trading of the Corporation's  common stock
on NASDAQ's OTC market.  On December 16, 2005,  the  Corporation  will issue the
press  release that is furnished as Exhibit 99.5 to this Current  Report on Form
8-K,  which by this  reference  is  incorporated  herein as if copied  verbatim,
announcing the trading of the Corporation's common stock on NASDAQ's OTC market.

Item 9.01.  Financial Statements and Exhibits.

(a) Financial Statements. None

(b) Pro Forma Financial Information. None

(c) Exhibits.

     99.1 Report to  Shareholders  issued by Tennessee  Commerce  Bancorp,  Inc.
dated December 14, 2005.

     99.2 Transcript of announcement by the Chairman and Chief Executive Officer
of Tennessee  Commerce Bancorp,  Inc., of the Corporation's  trading on NASDAQ's
OTC market to the Franklin Rotary at Breakfast, Franklin, Tennessee, on December
14, 2005.

     99.3 Press release issued to the Williamson Herald, Franklin, Tennessee, on
December 14, 2005.

     99.4 Advertisement  issued by Tennessee Commerce Bancorp,  Inc. on December
14, 2005,  announcing the trading of the Corporation's  common stock on NASDAQ's
Over-the-Counter market.

     99.5  Press  Release  issued by  Tennessee  Commerce  Bancorp,  Inc.  dated
December 16, 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:  December 15, 2005           TENNESSEE COMMERCE BANCORP, INC.

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