TAMPA, Fla. (AP) _ Riding beside her husband as they drove through the dark in a blinding rain, Brenda Urban gave birth to a boy who couldn't wait for a tropical storm to subside.

At 4 a.m. Thursday in the downpour from Tropical Storm Marco, Mrs. Urban and her husband, Rick, were speeding across the three-mile Howard Frankland Bridge. They were trying to get from their home in Lutz to a midwife birthing center 45 miles away in St. Petersburg.

''We were just to the edge of the bridge when I said, 'This baby's coming out,'' Mrs. Urban said.

'''It was scary, being stuck on the Howard Frankland with no end in sight,'' said her husband, Rick, a computer salesman. ''I was prepared to stop on the middle of the bridge and take care of it right then.''

But a tractor-trailer was bearing down behind them and they couldn't stop. Neither could their first baby.

''It went real fast,'' Mrs. Urban said. ''My husband just reached his arm down and held the baby's head till we got across.''

At the other end of the bridge they pulled over, unwrapped the cord from the newborn's neck and laid him on his mother to keep him warm.

''I kept saying, 'I can't believe we had our baby in the car,'' she said.

Mrs. Urban eventually made it to Bayfront Medical Center. Emergency workers suggested the baby be named Howard Marco. The Urbans declined.

Garrett Michael Urban, 6 pounds, 2 ounces, was declared to be in good health. The family went home Thursday, about time the first rays of sun appeared through the receding storm clouds.

''It was a pretty nerve-wracking experience,'' said the father. He said the episode taught him to ''plan ahead and get a closer delivery site.''