CVB FINANCIAL CORP
10-Q/A, 1994-12-29
STATE COMMERCIAL BANKS
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                         SECURITIES AND EXCHANGE COMMISSION
                               Washington, D. C. 20549

                                     FORM 10-Q/A

                            Amendment No. 1 to Form 10-Q

                [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d)
                       OF THE SECURITIES EXCHANGE ACT OF 1934

                  For the quarterly period ended September 30, 1994

                                         or

                [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d)
                       OF THE SECURITIES EXCHANGE ACT OF 1934

                    For the transition period from _____ to _____

  For Quarter Ended September 30, 1994        Commission File Number: 1-10394


                                 CVB FINANCIAL CORP.
               (Exact name of registrant as specified in its charter)

                California                                  95-3629339
  (State or other jurisdiction of         (I.R.S. Employer Identification No.)
   incorporation or organization)

    701 North Haven Ave, Suite 350, Ontario, California      91764
        (Address of Principal Executive Offices)           (Zip Code)

  (Registrant's telephone number, including area code)     (909) 980-4030

          Indicate by check mark whether the registrant (1) has filed all
          reports required to be filed by section 13 or 15(d) of the
          Securities Exchange Act  of 1934 during the preceding 12 months
          (or for such shorter period that the registrant was required to
          file such reports), and (2) has been subject to such filing
          requirements for the past 90 days.

                                   YES  X      NO
            Number of shares of common stock of the registrant: 7,324,545
                       outstanding as of November 9, 1994

           This Form 10-Q contains 5 pages.  Exhibit Index on Page 3.

<PAGE>

                             PART II - OTHER INFORMATION

          Item 1   -     Legal Proceedings
                         Not Applicable

          Item 2   -     Changes in Securities
                         Not Applicable

          Item 3   -     Defaults upon Senior Securities
                         Not Applicable

          Item 4   -     Submission of Matters to a Vote of Security
                         Holders
                         Not Applicable

          Item 5   -     Other Information
                         Not Applicable

          Item 6   -     Exhibits and Reports on Form 8-K

                         (a)  Exhibits

                              Exhibit 27 - Financial Data Schedule


                         (b)  Reports on Form 8-K

                              On July 21, 1994, a Form 8-K was filed 
                              disclosing an Insured Deposit Purchase and
                              Assumption Agreement with the Federal
                              Deposit Insurance Corporation.




<PAGE>

                               Exhibit Index



   Exhibit No.          Description                         Page


          27             Financial Data Schedule               5




<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 thereunto duly authorized.




                                 CVB FINANCIAL CORP.
                                    (Registrant)


          Date:     December 28, 1994
                                              /s/ Robert J. Schurheck
                                              ------------------------
                                              Robert J. Schurheck
                                              Chief Financial Officer



<PAGE>

<TABLE> <S> <C>

<ARTICLE>       9
<MULTIPLIER>    1,000
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1994
<PERIOD-END>                               SEP-30-1994
<CASH>                                          67,671
<INT-BEARING-DEPOSITS>                             693
<FED-FUNDS-SOLD>                                 5,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    178,143
<INVESTMENTS-CARRYING>                          20,050
<INVESTMENTS-MARKET>                            18,766
<LOANS>                                        488,393
<ALLOWANCE>                                      9,655
<TOTAL-ASSETS>                                 800,262
<DEPOSITS>                                     722,977
<SHORT-TERM>                                     8,876
<LIABILITIES-OTHER>                              6,027
<LONG-TERM>                                        499
<COMMON>                                        21,086
                                0
                                          0
<OTHER-SE>                                      40,797
<TOTAL-LIABILITIES-AND-EQUITY>                 800,262
<INTEREST-LOAN>                                 31,334
<INTEREST-INVEST>                                7,491
<INTEREST-OTHER>                                   341
<INTEREST-TOTAL>                                39,166
<INTEREST-DEPOSIT>                               7,801
<INTEREST-EXPENSE>                               8,176
<INTEREST-INCOME-NET>                           30,990
<LOAN-LOSSES>                                      350
<SECURITIES-GAINS>                               (128)
<EXPENSE-OTHER>                                 23,261
<INCOME-PRETAX>                                 12,764
<INCOME-PRE-EXTRAORDINARY>                      12,764
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     7,550
<EPS-PRIMARY>                                     0.99
<EPS-DILUTED>                                     0.99
<YIELD-ACTUAL>                                    6.54
<LOANS-NON>                                     10,588
<LOANS-PAST>                                       155
<LOANS-TROUBLED>                                 7,647
<LOANS-PROBLEM>                                  2,322
<ALLOWANCE-OPEN>                                 8,849
<CHARGE-OFFS>                                      733
<RECOVERIES>                                        64
<ALLOWANCE-CLOSE>                                9,655
<ALLOWANCE-DOMESTIC>                             6,654
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          3,001
        

</TABLE>


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