SECURITIES AND EXCHANGE COMMISSION
                              Washington D.C. 20549

                                   FORM 10-KSB/A

         [X] ANNUAL REPORT UNDER SECTION 13 or 15(d) OF THE SECURITIES
                              EXCHANGE ACT OF 1934

For the Fiscal Year Ended December 31, 1999

Commission File No.:  000-28635

                         Virginia Commerce Bancorp, Inc.
                 (Name of Small Business Issuer in Its Charter)


                   5350 Lee Highway, Arlington, Virginia 22207
                    (Address of Principal Executive Offices)


           Virginia                                     54-1964895
 (State or Other Jurisdiction            (I.R.S. Employer Identification Number)
of Incorporation or Organization)

                                  703-534-0700
                (Issuer's Telephone Number, Including Area Code)

Securities registered under Section 12(b) of the Exchange Act:  None

Securities registered under Section 12(g) of the Exchange Act: Common Stock, par
value $1.00 per share

Check whether the issuer:  (1) filed all reports required to be filed by Section
13 or 15(d) of the  Exchange  Act during the past 12 months (or for such shorter
period that the registrant was required to file such reports);  and (2) has been
subject to such filing requirements for the past 90 days.


                             Yes X      No ___

Check if there is no disclosure of delinquent  filers in response to Item 405 of
Regulation S-B contained in this form,  and if no disclosure  will be contained,
to the best of  registrant's  knowledge,  in  definitive  proxy  or  information
statements  incorporated  by  reference  in Part III of this Form  10-KSB or any
amendment to this Form 10-KSB. [X]

The  company's  revenues  for the  fiscal  year  ended  December  31,  1999 were
approximately $20,849,936

The  aggregate  market value of the voting stock held by  non-affiliates  of the
company as of March 1, 2000 was approximately $20,672,389

As of March 1, 2000,  there were  1,968,985  shares of Common  Stock,  par value
$1.00 per share, of Virginia Commerce Bancorp, Inc. issued and outstanding.

                       Documents Incorporated by Reference

Portions  of the  following  documents  are hereby  incorporated  into this Form
10-KSB by reference:  the Proxy Statement for the Annual Meeting of Stockholders
to be held on April 26,  2000 -- Part III;  and the  Annual  Report of  Virginia
Commerce  Bancorp for the fiscal year ended December 31, 1999 -- Parts I, II and
IV.


<PAGE>

                                   SIGNATURES

                 In accordance with Section 13 or 15(d) of the Exchange Act, the
registrant has caused this report to be signed on its behalf by the undersigned,
thereunto duly authorized.

                                                 VIRGINIA COMMERCE BANCORP, INC.


                                                 By: /s/ Peter A. Converse
                                                 -------------------------------
                                                  Peter A. Converse, President
                                                     and Chief Executive Officer

Dated:  October 18, 2000

         Pursuant to the  requirements  of the Securities  Exchange Act of 1934,
this  report has been  signed  below by the  following  persons on behalf of the
registrant and in the capacities and on the dates indicated.
<TABLE>
<CAPTION>

                  Name                              Capacity                           Date
<S>                                        <C>                                        <C>

/s/ Leonard Adler
-----------------------------              Director                                    October 18, 2000
Leonard Adler


/s/ Peter A. Converse                      President and Chief Executive               October 18, 2000
-----------------------------              Officer (Principal Executive Officer)
Peter A. Converse

/s/ Frank L. Cowles, Jr.
-----------------------------              Director                                    October 18, 2000
Frank L. Cowles, Jr.


/s/ W. Douglas Fisher                      Chairman of the Board of Directors          October 18, 2000
-----------------------------
W. Douglas Fisher


/s/ David M. Guernsey                      Vice Chairman of the Board of Directors     October 18, 2000
-----------------------------
David M. Guernsey

/s/ Robert H. L'Hommedieu
-----------------------------              Director                                    October 18, 2000
Robert H. L'Hommedieu

/s/ Norris E. Mitchell
-----------------------------              Director                                    October 18, 2000
Norris E. Mitchell

/s/ Arthur L. Walters
-----------------------------              Director                                    October 18, 2000
Arthur L. Walters


/s/ William K. Beauchesne                  Treasurer and Chief Financial Officer       October 18, 2000
-------------------------                  (Principal Financial and Accounting Officer)
William K. Beauchesne
</TABLE>