RIVER VALLEY BANCORP
8-K, 2000-05-23
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 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 event reported): May 18, 2000

                              RIVER VALLEY BANCORP
             (Exact name of registrant as specified in its charter)


                                     INDIANA

                 (State or other jurisdiction of incorporation)

        2-47541                                            35-1984567
(Commission File Number)                       (IRS Employer Identification No.)

                                430 Clifty Drive
                             Madison, Indiana 47250
               (Address of principal executive offices) (Zip Code)

       Registrant's telephone number, including area code: (812) 265-3421


<PAGE>

Item 4.  Changes in Registrant's Certifying Accountant.

     On  May  18,  2000,  River  Valley  Bancorp  (the  "Company")  engaged  the
accounting firm of Olive LLP to examine the consolidated financial statements of
the Company for the fiscal year ending  December 31, 2000. This action was taken
following a  recommendation  of the  Company's  Audit  Committee to the Board of
Directors  to take such action and the approval of the change in auditors by the
Board of  Directors.  Grant  Thornton  LLP,  which has acted as the  independent
public  accountant  for the  Company  since 1996 and  audited  its  consolidated
financial  statements  for 1998 and 1999,  has been  notified  of the  Company's
decision.

     The  audit  reports  issued  by  Grant  Thornton  LLP with  respect  to the
Company's consolidated financial statements for 1998 and 1999 did not contain an
adverse  opinion  or  disclaimer  of  opinion,  and  were  not  qualified  as to
uncertainty, audit scope or accounting principles. During 1998 and 1999 (and any
subsequent interim period), there have been no disagreements between the Company
and Grant  Thornton LLP on any matter of  accounting  principles  or  practices,
financial   statement   disclosure  or  auditing   scope  or  procedure,   which
disagreements,  if not resolved to the satisfaction of Grant Thornton LLP, would
have caused it to make a reference to the subject matter of the  disagreement in
connection  with its audit report.  Moreover,  none of the events listed in Item
304(a)(1)(v)  of Regulation  S-K occurred  during 1998 or 1999 or any subsequent
interim period.

     Olive LLP has not been  consulted by the Company as to the  application  of
accounting principles to a specific completed or contemplated transaction or the
type of  audit  opinion  that  might  be  rendered  on the  Company's  financial
statements.

     Pursuant to Item 304 of Regulation  S-K, the Company has provided a copy of
this Current Report on Form 8-K to Grant Thornton LLP for review.  A letter from
Grant  Thornton  LLP  addressed  to  the  Securities  and  Exchange   Commission
indicating that it agrees with the statements made by the Company herein will be
filed by amendment in accordance with Item 304(a)(3) of Regulation S-K after the
filing of this report.

Item 7.  Financial Statements and Exhibits.

         (c)      Exhibits

                  None.


<PAGE>

                                   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.

                                             /s/ Matthew P. Forrester
                                             -----------------------------------
                                             Matthew P. Forrester, President and
                                             Chief Executive Officer


Dated: May 23, 2000




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