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) March 31, 2005 Commission file number 0-16023 UNIVERSITY BANCORP, INC. (Exact name of registrant as specified in its charter) Delaware 38-2929531 ------------------------------------ --------------------------- (State or other jurisdiction of (I.R.S. Employer incorporation) Identification No. 959 Maiden Lane, Ann Arbor, Michigan 48105 ------------------------------------ --------- (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code (734) 741-5858 -------------- Item 1.01 Entry into a Material Definitive Agreement The Company issued the attached press release on April 6, 2005 describing an entry into a material definitive agreement 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. - Date: April 6, 2005 University Bancorp, Inc. /s/ Stephen Lange Ranzini -------------------------------- Stephen Lange Ranzini