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))


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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





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                                INDEX TO EXHIBITS


Exhibit No.         Description                                         Page
-----------         -----------                                         ----

  99.1              Investor Presentation for American                   4
                    River Bankshares dated July 26, 2005







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