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) July 26, 2005 ---------------- 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 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 17 The Index to Exhibits is on Page 3 Item 7.01 Regulation FD Disclosure. On Tuesday, July 26, 2005, beginning at approximately 1:30 p.m. Pacific Time, American River Bankshares President and Chief Executive Officer David T. Taber and Executive Vice President and Chief Financial Officer Mitchell A. Derenzo will give a presentation of the Company's business strategies and financial performance at the KBW Community Bank Investor Conference in New York, NY. Presentations will be webcast live at http://www.kbw.com and will be available for 60 days following the event. In addition, American River Bankshares presentation materials will be available online after the event at www.amrb.com. Item 9.01. Financial Statements and Exhibits. (c) Exhibits (99.1) Investor Presentation dated July 26, 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 ----------------------------------------- July 26, 2005 Mitchell A. Derenzo, Chief Financial Officer Page 2 of 17 INDEX TO EXHIBITS Exhibit No. Description Page ----------- ----------- ---- 99.1 Investor Presentation for American 4 River Bankshares dated July 26, 2005 Page 3 of 17