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: July 23, 2004

                        (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     Press Release dated July 23, 2004.

Item 12.  Results of Operations and Financial Condition

On July 23, 2004,  QCR  Holdings,  Inc.  issued a press release  announcing  its
earnings  for the second  quarter  ended  June 30,  2004.  The press  release 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 here unto duly authorized.

                                                         QCR HOLDINGS, INC.

Dated:  July 23, 2004                             By:    /s/ Todd A Gipple
                                                         Todd A. Gipple
                                                         Chief Financial Officer