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) January 30, 2006 ----------------- American River Bankshares ------------------------------------------------------ (Exact name of registrant as specified in its chapter) California 0-31525 68-0352144 ---------------------------- ------------- ------------------- (State or other jurisdiction (Commission (IRS Employer Of incorporation) File Number) Identification No.) 3100 Zinfandel Drive, Suite 450, Rancho Cordova, California 95670 ----------------------------------------------------------- ---------- (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code (916) 851-0123 ----------------------- Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: [ ] Written communication pursuant to Rule 425 under the Securities Act (17 CFR 230.425) [ ] Solicitation material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) [ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) [ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Page 1 of Page 16 The Index to Exhibits is on Page 3 Item 7.01. Regulation of FD Disclosure. On Monday, January 30, 2006 beginning at approximately 8:00 a.m. Eastern Time, American River Bankshares President and Chief Executive Officer David T. Taber will give a presentation of the Company's business strategies and financial performance at the Sandler O'Neill offices in New York, NY. Presentation materials will also be available online at www.amrb.com. Item 9.01. Financial Statements and Exhibits. (c) Exhibits (99.1) Investor Presentation dated January 30, 2006 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 BANKSHARES /s/ MITCHELL A. DERENZO -------------------------------------------- January 30, 2006 Mitchell A. Derenzo, Chief Financial Officer Page 2 of Page 16 INDEX TO EXHIBITS Exhibit No. Description Page ----------- ----------- ---- 99.1 Investor Presentation for American 4 River Bankshares dated January 30, 2006 Page 3 of Page 16