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<CONFORMED-NAME>ADMIRALTY BANCORP INC
<CIK>0001066808
<ASSIGNED-SIC>6022
<IRS-NUMBER>650405207
<STATE-OF-INCORPORATION>DE
<FISCAL-YEAR-END>1231
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<STREET1>4400 PGA BLVD
<STREET2>STE 200
<CITY>PALM BEACH GARDENS
<STATE>FL
<ZIP>33410
<PHONE>5616244100
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<STREET1>4400 PGA BLVD STE 200
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<TEXT>


================================================================================

                       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) August 3, 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
                                                          ----------------

================================================================================

                                     1 of 6
<PAGE>

Item 5.  Other events.

         The Registrant issued a press release on August 3, 2000 announcing its
planned expansion into the Orlando, Florida market and an upcoming offering of
its Class B common stock.

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 planned
                           expansion into the Orlando, Florida market and an
                           upcoming offering of its Class B common stock.

                                     2 of 6
<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: August 4, 2000                    By: /s/ WARD KELLOGG
                                            -----------------------------
                                             WARD KELLOGG
                                             President and
                                             Chief Executive Officer

                                     3 of 6
<PAGE>

                                  EXHIBIT INDEX

                           CURRENT REPORT ON FORM 8-K

Exhibit No.       Description                                          Page No.
-----------       -----------                                          --------
    99            Press release announcing the Registrant's              5-6
                  planned expansion into the Orlando, Florida
                  market and an upcoming offering of its
                  Class B common stock.

                                     4 of 6
</TEXT>
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<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>2
<FILENAME>0002.txt
<TEXT>

                                                                      EXHIBIT 99

Admiralty Bancorp. Inc., Announces Expansion Into the Orlando Market

PALM BEACH GARDENS, Fla.--(BUSINESS WIRE)--Aug. 3, 2000--Admiralty Bancorp,
Inc., (NNM: AAABB) parent company of Admiralty Bank today announced that it has
reached an agreement with a prominent group of independent bankers in Orlando to
expand Admiralty Bank's presence into the Orlando market.

The bank is in the process of finalizing its Orlando location and has hired a
team of veteran bankers from the Orlando area, including Eddie Gerrits, Charlie
Lowe, Don Grace, Joanne Sweeney, Matt Ravenscroft, Doug Russell and Wally
Stoney. The Orlando team will be headed by Mr. Randy Burden, who will become
Managing Director of the Bank for the Orlando area. Mr. Burden was previously
Chairman, President and CEO of Citrus Bank in Orlando. In connection with this
expansion, the Company intends to undertake a community offering of its Class B
Common Stock in the Orlando area. The bank and the Company also intend to
appoint Messers Burden, Patrick Mathes and Douglas Hooker to their respective
Boards.

The new Directors and Officers of the Bank previously worked together at Citrus
Bank in Orlando, an independent community bank which they grew by over $300
million in four years before it was acquired by a larger bank.

Ward Kellogg, CEO of Admiralty Bancorp, Inc. said, "Orlando is a very strong
market in need of a strong community bank. The experienced bankers who have
joined us know well the needs of customers in that area and serve them with fast
responses, flexibility and great customer service - which can only be delivered
by a local bank with experienced, knowledgeable bankers. Randy Burden and his
team have a solid, proven track record over many years in the Orlando area and
this expansion is a unique and constructive addition to our existing five
banking offices from Melbourne to Boca Raton. Today marks a great day for
Admiralty Bank and for community banking in Orlando."

Randy Burden said, "I am very pleased to be able to keep the team together.
Excellent service and personal attention never go out of style. Admiralty Bank
has proven its ability to handle the needs of banking customers in several
communities on the east coast of Florida and has become a strong secure Florida
bank. That's what this bank will bring to the Orlando marketplace."

The company is negotiating to lease space in downtown Orlando for a full service
branch and executive offices. Two additional branches in the Orlando area are
planned within the next year.

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 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 of
1995: 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.

                                     5 of 6
<PAGE>

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:

Admiralty Bancorp. Inc.
L.G. Zangani, L.L.C.

Ward Kellogg, 561/624-4701
Melisa Kratz, 561/624-4701

Leonardo G. Zangani, Investor Relations, 908/788-9660
Thomas Tietjen, 908/788-9660

                                     6 of 6
</TEXT>
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