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<CONFORMED-NAME>ADMIRALTY BANCORP INC
<CIK>0001066808
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<STATE-OF-INCORPORATION>DE
<FISCAL-YEAR-END>1231
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<STREET1>4400 PGA BLVD
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--------------------------------------------------------------------------------

                       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 (Date of earliest event reported) July 13, 2000
                                                          -------------

                             ADMIRALTY BANCORP, INC.
                             -----------------------
             (Exact name of registrant as specified in its charter)

          Delaware                       0-24891                 65-0405207
          --------                      --------                 ----------
(State or other jurisdiction          (Commission               (IRS Employer
     of incorporation)                File Number)           Identification No.)

                  4400 PGA Boulevard
             Palm Beach Gardens, Florida                           33410
             ---------------------------                           -----
      (Address of principal executive offices)                   (Zip Code)

        Registrant's telephone number, including area code (561) 624-4701
                                                           --------------
--------------------------------------------------------------------------------

                                     Page 1
<PAGE>

Item 5.  Other events.

         The Registrant issued a press release on July 13, 2000 announcing its
results for the second quarter of 2000.

Item 7.  Exhibits.

         The following exhibit is filed with this Current Report on Form 8-K.

         Exhibit No.     Description

             99          Press release announcing the Registrant's results for
                         the second quarter of 2000.

                                     Page 2
<PAGE>

                                   SIGNATURES

         Pursuant to the requirements of the Securities Exchange Act of 1934,
Admiralty Bancorp, Inc., has duly caused this report to be signed on its behalf
by the undersigned thereunto duly authorized.

                                                ADMIRALTY BANCORP, INC.
                                                --------------------------------
                                                  (Registrant)


Dated: July 14, 2000                       By: /s/ WARD KELLOGG
                                               ---------------------------------
                                                 WARD KELLOGG
                                                 President and
                                                 Chief Executive Officer

                                     Page 3
<PAGE>

                                  EXHIBIT INDEX

                           CURRENT REPORT ON FORM 8-K

Exhibit No.       Description                                          Page No.
-----------       -----------                                          --------
    99            Press release announcing the
                  Registrant's results for the
                  first quarter of 2000.

                                     Page 4
</TEXT>
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<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>2
<FILENAME>0002.txt
<TEXT>

                                                                      EXHIBIT 99

Admiralty Bancorp, Inc., Announced Results for Second Quarter 2000

Thursday, July 13, 2000 08:50 AM

PALM BEACH GARDENS, Fla.--(BUSINESS WIRE)--July 13, 2000-- Admiralty Bancorp,
Inc., (NASDAQ NM: AAABB) parent company of Admiralty Bank and Admiralty
Insurance Services, announced today its results for the second quarter of 2000.

Admiralty Bancorp reported a second quarter net profit of $225,000, or $0.08 per
share, and a year-to-date profit of $438,000, or $0.15 per share, compared to a
profit of $27,000, or $0.01 per share, and $57,000, or $0.02 per share in the
respective periods one year ago. For the second quarter of 2000, the Company's
total interest income increased 108% over the second quarter of 1999, to
$3,667,000 from $1,759,000.

This growth in earnings reflects the dramatic increase in the Company's assets
as the management team continues to focus on high quality internal growth. The
Company's interest expense increased 205% over the second quarter of 1999, to
$1,574,000 in 2000 from $516,000 in 1999. This increase is attributable to
growth in the deposit portfolio as demonstrated in the following table, and to
Federal Home Loan Bank borrowings and a repurchase agreement not in place in
1999.

The Company's cost of funds for the three months ended June 30, 2000 was 3.99%
as compared to a cost of funds of 2.58% for the comparable period of 1999,
reflecting the rise in interest rates between these periods and the initiative
of the Company to raise additional deposits to fund the dramatic loan growth.

The additional deposits were raised primarily in money market accounts and time
deposits on which the average balances increased $27 million and $22 million
respectively, in the second quarter of 2000 compared to the same period in 1999.

The internal growth in assets and deposits over the past twelve months is
demonstrated as follows:

                     6/30/99           6/30/00      % Increase
                     -------           -------      ----------
Total Loans     $  70.2 million   $ 137.1 million      95.3%

Total Deposits  $  87.5 million   $ 153.4 million      75.3%

Total Assets    $ 107.4 million   $ 192.2 million      79.0%

The Company has demonstrated the ability to sustain rapid growth and
simultaneously produce a profit. The Company generated pre-tax income of
$391,000 and $760,000 in the three and six months ended June 30, 2000
respectively. The $391,000 pre-tax income for the quarter is net of $136,000 in
depreciation and amortization expenses and a $244,000 provision to the allowance
for loan losses. The $760,000 pre-tax income for the six month period is net of
$258,000 in depreciation and amortization expenses and a $443,000 provision to
the allowance for loan losses.

Mr. Kevin Sacket, Treasurer of Admiralty Bancorp, Inc. stated, "We at Admiralty
Bank are excited and pleased with the continued growth in the balance sheet and
profitability of the Company. Our actual results have exceeded our plans in both
growth and profitability. We would like to thank our customers and shareholders
for making this performance possible."

Admiralty Bancorp, Inc. is the parent company for Admiralty Bank and Admiralty
Insurance Services. Admiralty Bank is a Florida chartered commercial bank
operating through its main office in Palm Beach

<PAGE>

Gardens, Florida and four branch offices located in Boca Raton, Juno Beach,
Jupiter and Melbourne, Florida. The Bank is a full service financial
institution, catering to the needs of businesses, professionals, and private
banking clients. Admiralty Insurance Services is a limited liability corporation
providing a full range of insurance services to Admiralty Bank customers and the
public.

"Safe Harbor" Statement under the private Securities Litigation Reform Act
of1995: Certain of these statements contained in this release which are not
historical facts are forward-looking statements that are subject to risks and
uncertainties that could cause actual results to differ materially from those
set forth in the forward looking statements, including the uncertainties
inherent in the process of auditing and making end-of-year adjustments to a
corporation's financial statements. By making these forward-looking statements,
the Company undertakes no obligation to update these statements for revisions or
changes after the date of this release.

L.G. Zangani, LLC provides financial public relations service to the Company. As
such, L.G. Zangani, LLC and/or its officers, agents and employees, receives
remuneration for public relations and/or other services performed for the
Company. This remuneration may take the form of cash, capital stock in the
Company, or warrants and/or options to purchase stock in the Company.

    CONTACT: L.G. Zangani, LLC
             Ward Kellogg, 561/624-4701
             Melisa Kratz, 561/624-4701
             Leonardo G. Zangani, Investor Relations, 908/788-9660
             Thomas Tietjen, 908/788-9660

</TEXT>
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