FIRST FINANCIAL FUND INC
SC 13G, 2000-02-15
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                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549


                                 SCHEDULE 13G


                   (Under the Securities Exchange Act of 1934)

                               (Amendment No. 1)*


                              River Valley Bancorp
                              --------------------
                                (Name of Issuer)


                                  Common Stock
                                  ------------
                         (Title of Class of Securities)


                                    768475105
                                    ---------
                                 (Cusip Number)

This Schedule is filed according to Rule 13d-1(b).

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

The information required in 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 ("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.)


                      [Continued on the following page(s)]

                                Page 1 of 4 Pages



<PAGE>


Page 2 of 4 Pages                                             Cusip #: 768475105
                                                                       ---------
- --------------------------------------------------------------------------------

1. Name of Reporting Person:
   (Social Security or IRS. Identification # of above person):

   First Financial Fund, Inc.
   13-3341573

- --------------------------------------------------------------------------------
2. Check the appropriate box if a member of a group:
                                                                          (a)( )
                                                                          (b)( )

- --------------------------------------------------------------------------------
3. SEC use only:


- --------------------------------------------------------------------------------
4. Citizenship or Place of Organization:

   Maryland
- --------------------------------------------------------------------------------
                                          5.    Sole Voting Power

                                                45,000
                                          --------------------------------------
   Number of shares                       6.    Shared Voting Power

   beneficially owned by                        0
                                          --------------------------------------
                                          7.    Sole Dispositive Power
   each Reporting Person with
                                                0
                                          --------------------------------------
                                          8.    Shared Dispositive Power

                                                45,000
- --------------------------------------------------------------------------------
9. Aggregate amount beneficially owned by each reporting person:

   45,000

- --------------------------------------------------------------------------------
10. Check box if the aggregate amount in row (9) includes certain shares:


- --------------------------------------------------------------------------------
11. Percent of class represented by amount in row 9:

    4.40%

- --------------------------------------------------------------------------------
12.   Type of Reporting Person:

      IV


<PAGE>


Page 3 of 4 Pages                                             Cusip #: 768475105
                                                                       ---------
- --------------------------------------------------------------------------------

                                  SCHEDULE 13G
                                  ------------

Item 1(a):  Name of Issuer:
- ---------------------------

            River Valley Bancorp


Item 1(b):  Address of Issuer's Principal Executive Offices:
- ------------------------------------------------------------

            303 Clifty Drive
            Madison, IN 47250


Item 2(a):  Name of Person Filing:
- ----------------------------------

            First Financial Fund, Inc.


Item 2(b):  Address of Principal Business Office:
- -------------------------------------------------

            Gateway Center Three
            100 Mulberry Street, 9th Floor
            Newark, New Jersey  07102-7503


Item 2(c):  Citizenship:
- ------------------------

            Maryland


Item 2(d):  Title of Class of Securities:
- -----------------------------------------

            Common Stock


Item 2(e):  CUSIP Number:
- -------------------------

            320228109


Item 3:  Type of Reporting Person:
- ----------------------------------

            (D)  Investment Company


Item 4:  Ownership:
- -------------------
           (a)   AMOUNT BENEFICIALLY OWNED: First Financial Fund, Inc., a
                 registered closed-end investment company, may be deemed the
                 beneficial owner of 45,000 shares of common stock of the
                 Issuer.

           (b)   Percent of Class:  4.40%
                 -----------------

           (c)   For information on voting and dispositive power with respect to
                 the above listed shares, please see Items 5-8 of Page Two.


<PAGE>


Page 4 of 4 Pages                                             Cusip #: 768475105
                                                                       ---------
- ---------------------------------------------------------

                                  SCHEDULE 13G
                                  ------------

Item 5:  Ownership of Five Percent or Less of a Class:
- ------------------------------------------------------

         Not Applicable


Item 6:  Ownership of More than Five Percent on Behalf of Another Person:
- -------------------------------------------------------------------------

         Not Applicable


Item 7:  Identification and Classification of the Subsidiary which Acquired the
         Security Being Reported on by the Parent Holding Company:
         ---------------------------------------------------------

         Not Applicable


Item 8:  Identification and Classification of Members of the Group:
- -------------------------------------------------------------------

         Not Applicable


Item 9:  Notice of Dissolution of Group:
- ----------------------------------------

         Not Applicable


Item 10:  Certification:
- ------------------------

                  By signing below, I certify that, to the best of my knowledge
           and belief, the securities referred to above were acquired in the
           ordinary course of business and were not acquired for the purpose of
           and do not have the effect of changing or influencing the control of
           the issuer of such securities and were not acquired in connection
           with or as a participant in any transaction having such purpose or
           effect.


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.

                                       Date:  February 14, 2000

                                       Signature: /s/ R. Charles Miller
                                                  ---------------------------
                                       Name/Title:    R. Charles Miller
                                                      Assistant Secretary




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