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 reported) October 15, 2004
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American River Bankshares
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(Exact name of registrant as specified in its chapter)
California 0-31525 68-0352144
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(State or other jurisdiction (Commission (IRS Employer
Of incorporation) File Number) Identification No.)
1545 River Park Drive, Suite 107, Sacramento, California 95815
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(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code (916) 565-6100
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Page 1 of 8 Pages
The Index to Exhibits is on Page 3
Item 2.02. Results of Operations and Financial Condition.
Registrant issued a press release October 15, 2004 announcing earnings for the
third quarter of 2004. The foregoing description is qualified by reference to
the press release attached here to as Exhibit 99.1.
Item 8.01. Other Events.
Registrant issued a press release October 15, 2004 announcing the approval from
the California Department of Financial Institutions for Bank of Amador Merger.
The foregoing description is qualified by reference to the press release
attached here to as Exhibit 99.1.
Item 9.01. Financial Statements and Exhibits.
(c) Exhibits
(99.1) Press release dated October 15, 2004
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.
AMERICAN RIVER BANKSHARES
/s/ MITCHELL A. DERENZO
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October 15, 2004 Mitchell A. Derenzo,
Chief Financial Officer
Page 2 of 8 Pages
INDEX TO EXHIBITS
Exhibit No. Description Page
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99.1 Press release of American River 3
Bankshares dated October 15, 2004
Page 3 of 8 Pages