REDWOOD EMPIRE BANCORP
8-K, 2000-09-29
NATIONAL COMMERCIAL BANKS
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                                  UNITED STATES

                       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: September 29, 2000

                             REDWOOD EMPIRE BANCORP

            (Exact number of Registrant as specified in its charter)



           California                 File No. 0-19231          68-0166366
           ----------                 ----------------          ----------
  (State or other jurisdiction of  (Commission File Number)   (IRS Employer)
  Incorporated or organization)                              Identification No.)



         111 Santa Rosa Avenue, Santa Rosa, California          95404-4905
         ---------------------------------------------          ----------
         (Address of principal executive offices)               (Zip Code)



       Registrant's telephone number, including area code: (707) 573-4800
                                                           --------------





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<PAGE>


Item 4.  Changes in Registrant's Certifying Accountant

(a)  On September 25, 2000,  Redwood Empire Bancorp (the  "Company")  terminated
     the  appointment  of  Deloitte  &  Touche  LLP as the  Company's  principal
     accountants.  The decision to change  accountants was approved by the audit
     committee of the Company's Board of Directors.

     During the Company's  two most recent fiscal years ended  December 31, 1999
     and any subsequent interim period through September 25, 2000, there were no
     disagreements  with  Deloitte  & Touche  LLP on any  matter  of  accounting
     principles or practices,  financial statement disclosure, or auditing scope
     or procedure,  which disagreements,  if not resolved to their satisfaction,
     would have  caused  them to make  reference  to the  subject  matter of the
     disagreements in connection with their report.

     The audit  report of  Deloitte & Touche LLP on the  Company's  consolidated
     financial  statements  as of and for the years ended  December 31, 1999 and
     1998, did not contain an adverse opinion or disclaimer of opinion,  nor was
     it qualified or modified as to  uncertainty,  audit  scope,  or  accounting
     principles.

     The Company requested that Deloitte & Touche LLP furnish the Company with a
     letter,  as promptly as possible,  addressed to the Securities and Exchange
     Commission,  stating whether they agree with the statements in this Item 4,
     and if not, stating the respects in which they do not agree.  This is filed
     as Exhibit 16 to this Current Report.

(b)  On September  25, 2000,  the Company  engaged Crowe Chizek as the Company's
     principal accountants, Item 7. Financial Statements and Exhibits.




<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.



            9-29-00

Date:  ___________________              REDWOOD EMPIRE BANCORP
                                        ----------------------
                                            (Registrant)


                                        /s/ James E. Beckwith
                                  By:
                                        James E. Beckwith

                                        Executive Vice President and

                                        Chief Operating Officer


<PAGE>








Exhibit Number    Description

    16            Letter of Deloitte & Touche LLP dated September 29, 2000.




<PAGE>




Exhibit 16

                       [Deloitte & Touche LLP Letterhead]

September 29, 2000




Securities and Exchange Commission
Mail Stop 11-3
450 5th Stret, N.W.
Washington, D.C.  20549

Dear Sirs/Madams:

We have read and agree  with the  comments  in Item 4(a) of Form 8-K of  Redwood
Empire Bancorp dated September 29, 2000.

Yours truly,



/s/ Deloitte & Touche LLP




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