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                                             December 7, 2004

                               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)

                                 Not Applicable
          (Former name or former address, if changed since last report)

         Check the  appropriate  box below if the Form 8-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

     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 5.04.  Temporary  Suspension  of Trading Under  Registrant's  Employee
Benefit Plans

         On December 7, 2004,  QCR Holdings,  Inc. (the "QCR  Holdings")  sent a
notice to its directors and executive  officers  informing  them that a blackout
period will be in effect  beginning on December 30, 2004 until  January 31, 2005
(unless  otherwise  extended).  The  blackout  period is a result of a change in
investment options and  record-keepers for the QCR Holdings,  Inc. 401(k) Profit
Sharing Plan. The blackout  period  restricts  directors and executive  officers
from,  directly or indirectly,  purchasing,  acquiring,  exercising,  selling or
otherwise transferring certain equity securities of QCR Holdings. The notice was
provided to the QCR Holdings'  directors  and  executive  officers in accordance
with Section 306 of the  Sarbanes-Oxley  Act of 2002 and Rule 104 of  Regulation

         A copy of the notice is attached as Exhibit 99.1 to this Current Report
on Form 8-K and is incorporated herein by reference.

Item 9.01  Financial Statements and Exhibits

(c) Exhibits

99.1  Form of notice dated December 7, 2004


         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:  December 7, 2004                        By:/s/   Todd A. Gipple
                                                   Executive Vice President
                                                   and Chief Financial Officer