CVB FINANCIAL CORP
SC 13G/A, 1999-01-29
STATE COMMERCIAL BANKS
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                               UNITED STATES
                    SECURITIES AND EXCHANGE COMMISSION
                         Washington, D.C.   20549

                               SCHEDULE 13G

                 UNDER THE SECURITIES EXCHANGE ACT OF 1934
                           (AMENDMENT NO. 10)

                            CVB Financial Corp.
- --------------------------------------------------------------------------

                             (Name of Issuer)

                               Common Stock
- --------------------------------------------------------------------------

                        (Title of Class of Securities)

                                126600 10 5
                            -----------------------

                                 (CUSIP Number)

                                December 31, 1998

        ___________________________________________________________
           (Date of Event which Requires Filing of this Statement)

Check the  appropriate box to designate the rule pursuant to which this Schedule
is filed:

[ ]  Rule 13d-1(b)

[ ]  Rule 13d-(c)

[x]  Rule 13d-1(d)

*The  remainder of this cover page shall be filled out for a reporting  person's
initial filing on this form with respect to the subject class of securities, and
for  any  subsequent   amendment   containing   information  which  would  alter
disclosures provided in a prior cover page.

The information required on the remainder of this cover page shall not be deemed
to be "filed" for the purpose of Section 18 of the  Securities  Exchange  Act of
1934 (the "Act") or otherwise subject to the liabilities of that section of the
Act but shall be subject to all other  provisions  of the Act (however,
see the Notes).

<PAGE>



CUSIP NO. 126600 105   13G                                       PAGE  2  OF 7

1   NAME OF REPORTING PERSON
    S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
    George A. Borba
    ###-##-####

2   CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP            (a) [ ]
                                                                (b) [ ]
3   SEC USE ONLY

4   CITIZENSHIP OR PLACE OF ORGANIZATION
    USA

NUMBER OF        5   SOLE VOTING POWER
SHARES               0
BENEFICIALLY     6   SHARED VOTING POWER
OWNED BY             2,497,771
EACH             7   SOLE DISPOSITIVE POWER
REPORTING            0
PERSON           8   SHARED DISPOSITIVE POWER
WITH                 2,497,771

9   AGGREGATE AMOUNT  BENEFICIALLY OWNED BY EACH REPORTING PERSON 2,558,166
    (includes  60,395  shares  which Mr.  Borba  has the  right to  acquire
    beneficial ownership of within 60 days after 12/31/98)

10  CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*

11  PERCENT OF CLASS REPRESENTED BY AMOUNT SHOWN IN ROW (9)
    16.61%

12  TYPE OF REPORTING PERSON*
    IN

                     *SEE INSTRUCTIONS BEFORE FILLING OUT!


<PAGE>



ITEM 1.

(a)  Name of Issuer.

     CVB Financial Corp.

(b)  Address of Issuer's Principal Executive Offices.

     701 North Haven Avenue, Suite 350
     Ontario, California 91764

ITEM 2.

(a)      Name of Person Filing.

                  George A. Borba

(b) Address of Principal Business Office or, if none, Residence.

                  7955 Eucalyptus
                  Chino, California 91710

(c)      Citizenship.

                  USA

(d)      Title of Class of Securities.

                  Common Stock

(e)      CUSIP No.

                  126600 10 5



                                                   Page 3 of 7 pages

<PAGE>



ITEM 3.   IF THIS  STATEMENT  IS FILED  PURSUANT  TO RULE  13D-1(B),  OR
          13D-2(B), CHECK WHETHER THE PERSON IS A:

(a)  [ ]  Broker or Dealer registered under Section 15 of the Act.
(b)  [ ]  Bank as defined in section 3(a)(6) of the Act.[
(c)  [ ]  Insurance Company as defined in section 3(a)(19) of the Act.
(d)  [ ]  Investment Company registered under section 8 of the Investment
          Company Act.
(e)  [ ]  Investment  Adviser  registered under section 203
          of the Investment Adviser Act of 1940.
(f)  [ ]  Employee Benefit Plan, Pension Fund which is
          subject to the provisions of the Employee Retirement
          Income Security Act of 1974 or Endowment Fund; see
          Sections 240.13d-1(b)(1)(ii)(F) (Note: See Item 7).
(g)  [ ]  Parent Holding  Company,  in accordance  with 
          Sections 240.13d-1(b)(1)(ii)(G) (Note: See Item 7).
(h)  [ ]  Group, in accordance with ss. 240.13d-1(b)(1)(ii)(H)

ITEM 4.   OWNERSHIP.

    If the  percent  of the  class  owned,  as of  December  31 of the year
covered by the statement,  or as of the last day of any month  described in Rule
13d-1(b)(2),  if  applicable,  exceeds  five  percent,  provide the  following
information  as of that date and identify those shares which there is a right to
acquire.

(a)  Amount Beneficially Owned.

     2,558,166  (includes  60,395  shares  which Mr.  Borba has the
right to acquire beneficial ownership of within 60 days after 12/31/98.)

(b)  Percent of Class.

     16.61%

(c)  Number of shares as to which such person has:
     (i)   sole power to vote or to direct the vote

           0

     (ii)  shared power to vote or to direct the vote

           2,497,771

     (iii) sole power to dispose or to direct the disposition of

           0


                                                   Page 4 of 7 pages

<PAGE>



      (iv)  shared power to dispose or to direct the disposition of
            2,497,771

INSTRUCTION:  For computations regarding securities which represent a right
to acquire an underlying security, see Rule 13d-3(d)(1).

ITEM 5.   OWNERSHIP OF FIVE PERCENT OR LESS OF A CLASS.

    If this statement is being filed to report the fact that as of the date
hereof the reporting  person has ceased to be the beneficial owner of more than
five percent of the class of securities, please check the following:
[ ].

ITEM 6.   OWNERSHIP OF MORE THAN FIVE PERCENT ON BEHALF OF ANOTHER
          PERSON.

    If any other  person is known to have the right to receive or the power
to direct the receipt of dividends  from, or the proceeds from the sale of, such
securities,  a statement  to that effect  should be included in response to this
item and, if such interest relates to more than five percent of the class,  such
person  should be  identified.  A listing of the  shareholders  of an investment
company registered under the Investment Company Act of 1940 or the beneficiaries
of an employee benefit plan, pension fund or endowment fund is not required.

    Not applicable.

ITEM 7.   IDENTIFICATION AND CLASSIFICATION OF THE SUBSIDIARY WHICH
          ACQUIRED THE SECURITY BEING REPORTED ON BY THE PARENT HOLDING
          COMPANY.

    If a parent holding  company has filed this schedule,  pursuant to Rule
13d- 1(b)(ii)(G),  so indicate under Item 3(g) and attach an exhibit stating the
identity and the Item 3 classification of the relevant  subsidiary.  If a parent
holding  company has filed this schedule  pursuant to Rule  13d-1(c),  attach an
exhibit stating the identification of the relevant subsidiary.

    Not applicable.

ITEM 8.   IDENTIFICATION AND CLASSIFICATION OF MEMBERS OF THE GROUP.

    If a group has filed this schedule pursuant to Rule 13d-1(b)(ii)(H), so
indicate  under Item 3(h) and attach an exhibit  stating the identity and Item 3
classification  of each member of the group.  If a group has filed this schedule
pursuant to Rule 13d-1(c), attach an exhibit stating the identity of each member
of the group.

    Not applicable.

                                                   Page 5 of 7 pages

<PAGE>





ITEM 9.   NOTICE OF DISSOLUTION OF GROUP.

    Notice of dissolution of a group may be furnished as an exhibit stating
the date of the  dissolution  and that  all  further  filings  with  respect  to
transactions in the security reported on will be filed, if required,  by members
of the group, in their individual capacity. See Item 5.

    Not applicable.



                                                   Page 6 of 7 pages

<PAGE>


ITEM 10. CERTIFICATION.

    Not applicable.

                                        SIGNATURE

    After reasonable  inquiry and to the best of my knowledge and belief, I
certify that the information  set forth in this statement is true,  complete and
correct.

                                         JANUARY 27, 1999
                                         --------------------------------
                                                    Date
 
                                         /S/ GEORGE BORBA
                                         ---------------------------------
                                                  Signature

                                         GEORGE A BORBA, CHAIRMAN
                                         ---------------------------------
                                                  Name/Title





                                                   Page 7 of 7 pages



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