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: May 13, 2003
                        (Date of earliest event reported)

                               QCR Holdings, Inc.
             (Exact name of Registrant as specified in its charter)

                 (State or other jurisdiction of incorporation)

       0-22208                                           42-1397595
------------------------                 ---------------------------------------
(Commission File Number)                 (I.R.S. Employer Identification Number)

             3551 Seventh Street, Suite 204, Moline, Illinois 61265
           ------------------------------------------------ ----------
               (Address of principal executive offices) (Zip Code)

                                 (309) 736-3580
              (Registrant's telephone number, including area code)

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

         (a)      Financial Statements of Business Acquired.


         (b)      Pro Forma Financial Information.


         (c)      Exhibits.

                  99.1     Shareholder letter dated May 2003

Item 9.  Regulation FD Disclosure

The following information is being furnished under Item 12 of Form 8-K, "Results
of Operations  and Financial  Condition,"  and is included  under this Item 9 in
accordance  with SEC Release No. 33-8216 (March 27, 2003).  On May 13, 2003, QCR
Holdings,  Inc. issued a shareholder  letter discussing the Company's  financial
results  for the first  quarter  ended  March 31,  2003.  The letter is attached
hereto as Exhibit 99.1.


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.

                                                   QCR HOLDINGS, INC.

Dated:  May 13, 2003                               By:  /s/ Todd A Gipple
                                                        Todd A. Gipple
                                                        Chief Financial Officer