UNITED STATES
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)

January 31, 2008

TENNESSEE COMMERCE BANCORP, INC.

(Exact name of registrant as specified in its charter)


TENNESSEE

00051281

62-1815881

(State or other jurisdiction

of incorporation)

 

(Commission

File Number)

 

(IRS Employer

Identification No.)

 

381 Mallory Station Road, Suite 207, Franklin, Tennessee

37067

(Address of principal executive offices)

 

(Zip Code)

Registrant’s telephone number, including area code

(615) 599-2274

n/a

(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:

⃞ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

⃞ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

⃞ 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 2.02     Results of Operations and Financial Condition.

On January 31, 2008, Tennessee Commerce Bancorp, Inc. (the "Corporation") issued the press release that is furnished as Exhibit 99.1 to this Current Report on Form 8-K, which by this reference is incorporated herein as if copied verbatim, with respect to the fourth quarter ended December 31, 2007, results of operations, financial condition, and other information.

Item 7.01     Regulation FD Disclosure.

The information set forth in Item 2.02 above is incorporated by reference as if fully set forth herein.

Item 9.01     Financial Statements and Exhibits.

(d) Exhibits.
 

Exhibit Number

Description of Exhibit

99.1 Press release issued January 31, 2008


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.

 

TENNESSEE COMMERCE BANCORP, INC.

 

(Registrant)

 

Date:

January 31, 2008

 

 

 

By:

/s/ George W. Fort

George W. Fort

Chief Financial Officer

EXHIBIT INDEX

Exhibit

Description

 
99.1

Press Release dated January 31, 2008

Tennessee Commerce Bancorp (TN) (MM) (NASDAQ:TNCC)
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