<SUBMISSION>
<ACCESSION-NUMBER>0000891836-03-000055
<TYPE>15-12G
<PUBLIC-DOCUMENT-COUNT>1
<FILING-DATE>20030131
<EFFECTIVENESS-DATE>20030131
<FILER>
<COMPANY-DATA>
<CONFORMED-NAME>ADMIRALTY BANCORP INC
<CIK>0001066808
<ASSIGNED-SIC>6022
<IRS-NUMBER>650405207
<STATE-OF-INCORPORATION>DE
<FISCAL-YEAR-END>1231
</COMPANY-DATA>
<FILING-VALUES>
<FORM-TYPE>15-12G
<ACT>34
<FILE-NUMBER>000-24891
<FILM-NUMBER>03535086
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>4400 PGA BLVD
<STREET2>STE 200
<CITY>PALM BEACH GARDENS
<STATE>FL
<ZIP>33410
<PHONE>5616244100
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>4400 PGA BLVD STE 200
<STREET2>4400 PGA BLVD STE 200
<CITY>PALM BEACH GARDENS
<STATE>FL
<ZIP>33410
</MAIL-ADDRESS>
</FILER>
<DOCUMENT>
<TYPE>15-12G
<SEQUENCE>1
<FILENAME>sc0024.txt
<DESCRIPTION>FORM 15
<TEXT>
                                  United States
                       Securities and Exchange Commission
                             450 Fifth Street, N.W.
                             Washington, D.C. 20549

                                     Form 15

  Certification and Notice of Termination of Registration under Section 12(g)
      of the Securities Exchange Act of 1934 or Suspension of Duty to File
   Reports under Sections 13 and 15(d) of the Securities Exchange Act of 1934.

                         Commission File Number: 0-24891

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

                               4400 PGA Boulevard
                        Palm Beach Gardens, Florida 33410
                                 (561) 624-4701
 -------------------------------------------------------------------------------
  (Address, including zip code, and telephone number, including area code, of
                    registrant's principal executive offices)

                           Common Stock, No Par Value
 -------------------------------------------------------------------------------
            (Title of each class of securities covered by this Form)


 -------------------------------------------------------------------------------
  (Titles of all other classes of securities for which a duty to file reports
                    under Section 13 (a) or 15 (d) remains)

Please place an X in the box(es) to designate the appropriate rule provision(s)
         relied upon to terminate or suspend the duty to file reports:

         Rule 12g-4(a)(1)(i)    [x]          Rule 12h-3(b)(1)(i)     [ ]
         Rule 12g-4(a)(1)(ii)   [ ]          Rule 12h-3(b)(1)(ii)    [ ]
         Rule 12g-4(a)(2)(i)    [ ]          Rule 12h-3(b)(2)(i)     [ ]
         Rule 12g-4(a)(2)(ii)   [ ]          Rule 12h-3(b)(2)(ii)    [ ]
                                             Rule 15d-6              [ ]

Approximate number of holders of record as of the certification of notice
date: 1

<PAGE>


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

Date:    January 31, 2003                    ADMIRALTY BANCORP, INC.

                                             By:  /s/ Elizabeth A. Edelman
                                                  ------------------------
                                             Name:    Elizabeth A. Edelman
                                             Title:   Secretary



</TEXT>
</DOCUMENT>
</SUBMISSION>
