UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 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): APRIL 22, 2004




                              THE BANC CORPORATION
             (Exact Name of Registrant as Specified in Its Charter)

                                    DELAWARE
                 (State or Other Jurisdiction of Incorporation)


          0-25033                                       63-1201350
 (Commission File Number)                     (IRS Employer Identification No.)



                 17 NORTH 20TH STREET, BIRMINGHAM, ALABAMA 35203
               (Address of Principal Executive Offices) (Zip Code)


                                 (205) 327-3600
              (Registrant's Telephone Number, Including Area Code)


                                 Not Applicable
                                 --------------
          (Former Name or Former Address, if Changed Since Last Report)







ITEM 7.  FINANCIAL STATEMENTS AND EXHIBITS.


     (c)  Exhibits.

         The following exhibit is furnished pursuant to Item 601 of Regulation
S-K:

         EXHIBITS:

         Exhibit Number             Description of Exhibit

         99-1                       Press Release of The Banc Corporation dated
                                    April 22, 2004




ITEM 12.  RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

         On April 22, 2004, The Banc Corporation issued a press release
announcing its operating results for the quarter ended March 31, 2004. A copy of
the press release is attached hereto as Exhibit 99-1. The information in this
Current Report on Form 8-K, including Exhibit 99-1, shall not be deemed "filed"
for the purposes of Section 18 of the Securities Exchange Act of 1934, as
amended, or otherwise subject to the liability of that section, nor shall it be
deemed incorporated by reference in any filing under the Securities Act of 1933,
as amended, or the Securities Exchange Act of 1934, as amended, except as shall
be expressly set forth by specific reference in such a filing.









                                   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.



                                  THE BANC CORPORATION


Date: April 23, 2004              By: /s/ F. Hampton McFadden, Jr.
                                      --------------------------------------
                                           F. Hampton McFadden, Jr.
                                         Executive Vice President,
                                        General Counsel and Secretary