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) April 25, 2005
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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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Check the appropriate box below if the Form 8-K is intended to simultaneously
satisfy the filing obligation of the registrant under any of the following
provisions:
[ ] Written communication pursuant to Rule 425 under the Securities Act (17 CFR
230.425)
[ ] Solicitation 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 43 Pages
The Index to Exhibits is on Page 3
Item 1.01. Entry into a Material Definitive Agreement.
On April 22, 2005, the registrant's subsidiary, American River Bank, entered
into an Item Processing Agreement (the "Agreement") with Fidelity Information
Services, Inc ("Fidelity"). The Agreement calls for Fidelity to provide item
processing services for American River Bank for a term of seven (7) years. The
foregoing description is qualified by reference to the Agreement attached as
Exhibit 99.1.
Item 9.01. Financial Statements and Exhibits.
(c) Exhibits
(99.1) Item Processing Agreement by and between Fidelity Information Services,
Inc. and American River Bank dated April 22, 2005.
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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April 25, 2005 Mitchell A. Derenzo, Chief Financial Officer
Page 2 of 43
INDEX TO EXHIBITS
Exhibit No. Description Page
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99.1 Item Processing Agreement by and
between Fidelity Information Services,
Inc. and American River Bank dated
April 22, 2005. 4-43
Page 3 of 43