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) November 1, 2004 ---------------- American River Bankshares ------------------------------------------------------ (Exact name of registrant as specified in its chapter) California 0-31525 68-0352144 ---------------------------- ------------ ------------------ (State or other jurisdiction (Commission (IRS Employer Of incorporation) File Number) Identification No.) 1545 River Park Drive, Suite 107, Sacramento, California 95815 -------------------------------------------------------- -------- (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code (916) 565-6100 ---------------- 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 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)) Page 1 of 4 Pages The Index to Exhibits is on Page 3 Item 8.01. Other Events. Registrant issued a press release November 1, 2004 announcing that the Registrant surpassed $100 million in market capitalization. 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 November 1, 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 -------------------------------------------- November 1, 2004 Mitchell A. Derenzo, Chief Financial Officer Page 2 of 4 Pages INDEX TO EXHIBITS Exhibit No. Description Page ----------- ----------- ---- 99.1 Press release of American River 4 Bankshares dated November 1, 2004 Page 3 of 4 Pages