SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

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                                    FORM 8-K

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                                 CURRENT REPORT

                     Pursuant to Section 13 or 15(d) of the
                         Securities Exchange Act of 1934

       Date of Report (Date of earliest event reported): October 14, 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 7.       Financial Statements and Exhibits.

         (c)  Exhibits

              99.1     Press Release dated October 14, 2003.


Item 12. Results of Operations and Financial Condition.

         River Valley Bancorp, an Indiana corporation ("Registrant"), issued a
press release which was publicly disseminated on October 14, 2003 announcing its
results of operations for the quarter ended September 30, 2003. A copy of the
press release is furnished herewith as Exhibit 99.1. Pursuant to General
Instruction B.6 of Form 8-K, this exhibit is not "filed" for purposes of Section
18 of the Securities Exchange Act of 1934, but is instead furnished as required
by that instruction.



                                   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/ Larry C. Fouse
                                       ---------------------------------------
                                       Larry C. Fouse, Vice President of Finance

Dated: October 20, 2003