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                                                      July 1, 2004
(Date of earliest event reported)                                  June 30, 2004


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


                                    Delaware
                 (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 5.  Other Information and Regulation FD Disclosure

On June 30, 2004,  QCR Capital  Trust I, a subsidiary  of QCR Holdings, Inc.,
redeemed all of its 9.20% Trust Preferred  Securities and its 9.20% Common
Securities at a redemption price equal to the $10.00  liquidation amount of each
security  plus all  accrued  and  unpaid  interest  per  security.  Prior to the
redemption,  the Trust  Preferred  Securities  were quoted on the American Stock
Exchange under the symbol  "CQP.PR.A".  In connection with the redemption of the
Trust Preferred  Securities,  the Company redeemed all of its $12,380,000  9.20%
Debentures due September 30, 2029 which were held exclusively by the Trust.

A copy of the  Company's  press  release is attached  hereto as Exhibit 99.1.

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

  (a)  Financial Statements of Business Acquired.

       None.

  (b)  Pro Forma Financial Information.

       None.

  (c)  Exhibits.

       99.1     Press Release dated July 1, 2004








                                   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.



                                                    QCR HOLDINGS, INC.

Dated:  July 1, 2004                         By:     /s/ Todd A. Gipple
                                                     ------------------
                                                     Todd A. Gipple
                                                     Executive Vice President
                                                     and Chief Financial Officer