UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13G/A
Under the Securities Exchange Act of 1934
(Amendment No. 1)*
Riverview Bancorp, Inc.
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(Name of Issuer)
Common Stock, $.01 par value per share
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(Title of Class of Securities)
769397 10 0
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(CUSIP Number)
December 31, 2003
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(Date of Event which Requires Filing this Statement)
Check the appropriate box to designate the rule pursuant to which this
Schedule is filed:
[X] Rule 13d-1(b)
[ ] Rule 13d-1(c)
[ ] 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 ("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).
CUSIP No. 769397 10 0 Schedule 13G Page 2 of 6 Pages
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1 NAMES OF REPORTING PERSONS
I.R.S. IDENTIFICATION NOS. OF ABOVE PERSONS (ENTITIES ONLY)
Riverview Bancorp Inc. Employee Stock Ownership Plan
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2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (a) [ ]
(b) [ ]
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3 SEC USE ONLY
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4 CITIZENSHIP OR PLACE OF ORGANIZATION
State of Washington
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5 SOLE VOTING POWER
0
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NUMBER OF 6 SHARED VOTING POWER
SHARES
BENEFICIALLY 0
OWNED BY
EACH ------------------------------------------------------
REPORTING 7 SOLE DISPOSITIVE POWER
PERSON WITH
0
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8 SHARED DISPOSITIVE POWER
439,040
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9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
439,040
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10 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES
CERTAIN SHARES [ ]
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11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)
9.2% of 4,772,911 shares of Common Stock outstanding as of
December 31, 2003
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12 TYPE OF REPORTING PERSON
EP
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Page 3 of 6 Pages
Item 1.
(a) Name of Issuer
Riverview Bancorp, Inc. ("Company")
(b) Address of Issuer's Principal Executive Offices
900 Washington Street, Suite 900
Vancouver, Washington 98660
Item 2.
(a) Name of Person Filing
Riverview Bancorp Inc. Employee Stock Ownership Plan ("Reporting
Person")
(b) Address of Principal Business Office or, if none, Residence
900 Washington Street, Suite 900
Vancouver, Washington 98660
(c) Citizenship
State of Washington
(d) Title of Class of Securities
Common Stock, $.01 par value per share ("Common Stock")
(e) CUSIP Number
769397 10 0
Item 3. If this statement is filed pursuant to Rule 13d-1(b) or 13d-2(b) or
(c), check whether the person filing is a:
(f) [X] An employee benefit plan or endowment fund in accordance with
Rule 13d-1(b)(1)(ii)(F).
Item 4. Ownership
(a) Amount beneficially owned: 439,040
Page 4 of 6 Pages
(b) Percent of class: 9.2%
(c) Number of shares as to which the person has:
(i) Sole power to vote or to direct the vote: 0
(ii) Shared power to vote or to direct the vote: 0
(iii) Sole power to dispose or to direct the disposition of: 0
(iv) Shared power to dispose or to direct the disposition of:
439,040
The Reporting Person is an employee stock ownership plan under the
Employee Retirement Income Security Act of 1974, as amended ("ERISA"),
with individual accounts for the accrued benefits of participating
employees of the Company and its subsidiaries and their beneficiaries.
The number of shares listed as beneficially owned by the Reporting
Person represents the entire number of shares of Common Stock held by
the trustee as of December 31, 2003. The Reporting Person possesses
(i) no voting power over any shares of Common Stock and (ii) shared
dispositive power over unallocated and allocated shares of Common
Stock. Participants have the power and authority to direct the voting
of shares of Common Stock allocated to their individual accounts.
Unallocated shares and allocated shares not voted by participants are
required to be voted by the trustee, subject to ERISA, in the same
proportion as allocated Common Stock that has been voted by
participants. In certain circumstances, ERISA may confer upon the
trustee the power and duty to control the voting and tendering of
Common Stock allocated to the accounts of participating employees and
beneficiaries who fail to exercise their voting and/or tender rights
as well as the voting and tendering of unallocated Common Stock.
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
Dividends on Common Stock credited to a participant's account are, at
the direction of the administrator, either (i) allocated to the
participant's account, (ii) paid in cash to the participant or (iii)
used by the trustee to make payments on the loan incurred by the
Reporting Person to acquire Common Stock.
Item 7. Identification and Classification of the Subsidiary Which Acquired the
Securities Being Reported on by the Parent Holding Company or Control
Persons.
Not applicable.
Page 5 of 6 Pages
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 and are held in
the ordinary course of business and were not acquired and are not held
for the purpose of or with the effect of changing or influencing the
control of the issuer of the securities and were not acquired and are
not held in connection with or as a participant in any transaction
having that purpose or effect.
Page 6 of 6 Pages
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: September 15, 2004 RIVERVIEW BANCORP INC. EMPLOYEE
STOCK OWNERSHIP PLAN
By: /s/ Ronald A. Wysaske
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Ronald A. Wysaske
Plan Administrator