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                                                    August 9, 2005
(Date of earliest event reported)                                 August 9, 2005

                               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

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 9.01 Financial Statements and Exhibits

          (a) Exhibits.

              99.1  Shareholder  letter dated August 2005 to be presented in the
              quarterly shareholder publication, "Investor Update".

Item 2.02.  Results of Operations and Financial Condition

On August 9, 2005, QCR Holdings, Inc. issued a shareholder letter discussing the
Company's  financial  results for the second  quarter,  ended June 30, 2005. 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:  August 9, 2005                          By:  /s/ Todd A. Gipple   
                                                     Todd A. Gipple
                                                     Executive Vice President
                                                     and Chief Financial Officer