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 (Date of earliest event reported): March 18, 2003

                              RIVER VALLEY BANCORP

             (Exact name of registrant as specified in its charter)

                                     INDIANA

                 (State or other jurisdiction of incorporation)

                     2-47541                        35-1984567

           (Commission File Number)     (IRS Employer Identification No.)

                                430 Clifty Drive
                             Madison, Indiana 47250
               (Address of principal executive offices)(Zip Code)

       Registrant's telephone number, including area code: (812) 265-3421








Item 5.           Other Events.

Pursuant to General  Instruction  F, the press  release  issued  March 18, 2003,
concerning the  Corporation's  dividend  declaration,  trust  preferred sale and
repurchase  program is  attached  as Exhibit 99 and  incorporated  by  reference
herein.

Item 7.  Financial Statements and Exhibits.

         (c)  Exhibits

              99  Press Release dated March 18, 2003.



                                   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.



                                   /s/ Matthew P. Forrester
                                   --------------------------------------------
                                   Matthew P. Forrester, President and
                                   Chief Executive Officer

Dated: March 18, 2003