AMERICAN RIVER HOLDINGS
8-K, 2000-12-13
BLANK CHECKS
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                                  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)  December 12, 2000
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                             American River Holdings
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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) 231-6100
                                                                ---------------

Page 1 of 7 Pages
The Index to Exhibits is on Page 5
<PAGE>

ITEM 2.  ACQUISITION OR DISPOSITION OF ASSETS

         As previously  reported,  on October 25, 2000,  American River Holdings
(the  "Registrant")  consummated a certain  Agreement and Plan of Reorganization
and Merger dated March 1, 2000 (the "Plan of  Reorganization")  with North Coast
Bank, National Association, a national banking association with its headquarters
in Santa Rosa,  California  ("North  Coast"),  and ARH Interim National Bank, an
interim national banking  association  formed at the direction of the Registrant
to facilitate the business  combination  contemplated by the parties.  Under the
terms  of the  Plan of  Reorganization,  North  Coast  merged  with and into ARH
Interim  National  Bank  effective at 5:00 p.m. on October 25, 2000.  An 8-K was
filed on November 9, 2000,  detailing the specifics of the transaction,  as well
as, historical and pro forma financial information.

         Included,  as Exhibits 99.19,  and 99.20 of this Current Report on Form
8-K are unaudited historical condensed combined balance sheet as of November 30,
2000 and statement of operations  for the eleven months ended  November 30, 2000
and 1999 which reflect the combined  operations of the two entities prior to the
combination  and for 36 days  after  the  effective  date  of the  merger.  This
financial  information  reflects  the  application  of the pooling of  interests
method of accounting for the combination.  Under this method of accounting,  the
recorded assets,  liabilities,  shareholders' equity, income and expenses of the
Registrant  and North Coast Bank prior to the  effective  date of the merger are
combined as of the earliest period  presented and reflected at their  historical
amounts.  In the opinion of  management,  all  adjustments  (consisting  of only
normal recurring  adjustments) to fairly present this financial information have
been  made.  Disclosures  normally  presented  in the  notes  to  the  financial
statements prepared in accordance with generally accepted accounting  principles
have been omitted.


                                       2
<PAGE>

Item 7. Financial Statements and Exhibits.

        (c)  Exhibits

        99.19  American River Holdings Balance Sheet (unaudited) as of November
               30, 2000

        99.20  American River Holdings Statement of Operations (unaudited) for
               the eleven months ended November 30, 2000 and 1999


                                       3
<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.

                             AMERICAN RIVER HOLDINGS


                             /s/ MITCHELL A. DERENZO
                             --------------------------------------------------
                             Mitchell A. Derenzo, Chief Financial Officer

December 12, 2000


                                       4

<PAGE>

                                INDEX TO EXHIBITS


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

99.19    American River Holdings Balance Sheet (unaudited)             6
         as of November 30, 2000

99.20    American River Holdings Statement of Operations               7
         (unaudited) for the eleven months ended
         November 30, 2000 and 1999


                                       5



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