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 13, 2005
                                                          ----------------

                             Commerce Bancorp, Inc.
                             ----------------------
             (Exact name of registrant as specified in its charter)


      New Jersey                 1-12069                   22-2433468
      ----------           ---------------------        ---------------
  (State or other        (Commission File Number)        (IRS Employer
   jurisdiction                                          Identification
  of incorporation)                                         Number)


        Commerce Atrium, 1701 Route 70 East, Cherry Hill, NJ 08034-5400
        ---------------------------------------------------- ----------
              (Address of principal executive offices) (Zip Code)


        Registrant's telephone number, including area code: 856-751-9000
                                                            ------------


                                       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 communication 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 13, 2005 the Registrant issued a press release reporting
its results for the fourth quarter of 2004. A copy of the press release is
attached as Exhibit 99.1 to this report.

         On January 13, 2005 the Registrant also made certain supplemental
information available. A copy of the supplemental information is attached as
Exhibit 99.2 to this report.

ITEM 9.01    FINANCIAL STATEMENTS AND EXHIBITS


(c)  Exhibits

          99.1          Press Release, dated January 13, 2005
          99.2          Supplemental Information.








                                  SIGNATURE

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.



                           COMMERCE BANCORP, INC.


Date: January 13, 2005


                           By: /s/ DOUGLAS J. PAULS
                               -----------------------------
                               Douglas J. Pauls
                               Senior Vice President and Chief Financial Officer








                                  EXHIBIT INDEX

      Exhibit No.
          99.1          Press Release, dated January 13, 2005.
          99.2          Supplemental Information.