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 report) April 11,
2005
Severn
Bancorp, Inc.
(Exact
name of registrant as specified in its charter)
Maryland
0-49731
52-1726127
(State or
other jurisdiction
(Commission
(IRS
Employer
of
incorporation)
File
Number)
Identification Number)
1919A
West Street, Annapolis, Maryland
21401
(Address
of principal executive offices) (Zip Code)
410-268-4554
(Registrant’s
telephone number, including area code)
(Former name or former address, if change since last
report)
Check the
appropriate box below if the Form8-K filing is intended to simultaneously
satisfy the filing obligation of the registrant under any of the following
provisions (see General Instruction A.2. below):
[ ]
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
240.13e-4(c))
ITEM
2.02 RESULTS OF OPERATIONS AND FINANCIAL
CONDITION.
On April
11, 2005, Severn Bancorp, Inc. issued a press release announcing financial
results for the first quarter ended March 31, 2005. A copy of this press release
is being furnished as Exhibit 99.1 to this report.
ITEM
9.01 FINANCIAL STATEMENTS AND
EXHIBITS.
99.1 Press
release dated April 11, 2005
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.
Severn Bancorp, Inc.
Dated: April
11,
2005
By: /Alan J.
Hyatt/
Alan J. Hyatt,
President