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) July 13, 2006

                            Bank of the Ozarks, Inc.
             (Exact name of registrant as specified in its charter)

                                    Arkansas
                 (State or other jurisdiction of incorporation)

         0-22759                                          71-0556208
 (Commission File Number)                    (IRS Employer Identification No.)

 12615 Chenal Parkway, Little Rock, Arkansas                   72211
  (Address of principal executive offices)                  (Zip Code)

                                 (501) 978-2265
              (Registrant's telephone number, including area code)

                                 Not Applicable
          (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 (see General Instruction A.2. below):

( )  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.

     The Registrant hereby furnishes its press release announcing Second Quarter
     2006 Earnings which is attached hereto as Exhibit 99.1 and incorporated
     herein by reference.


Item 7.01 Regulation FD Disclosure

     See Item 2.02. Results of Operations and Financial Condition


Item 9.01 Financial Statements and Exhibits.

     (c) Exhibits

         99.1  Press Release: Bank of the Ozarks, Inc. Announces Second Quarter
               Earnings


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                                   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.


                                          BANK OF THE OZARKS, INC.
                                          ------------------------
                                               (Registrant)


Date:  July 13, 2006               /s/ Paul Moore
                                   -----------------------------------
                                   Paul Moore
                                   Chief Financial Officer
                                    and Chief Accounting Officer



  Exhibit No.      Document Description

     99.1          Press Release: Bank of the Ozarks, Inc. Announces Second
                   Quarter Earnings


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