SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20552


                                    FORM 8-K

                                 CURRENT REPORT

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


                                 April 15, 2004
             ------------------------------------------------------
                Date of Report (Date of earliest event reported)




                              RESERVE BANCORP, INC.
             ------------------------------------------------------
             (Exact name of Registrant as specified in its Charter)


        Pennsylvania                  0-49696                  23-3102103
- ----------------------------         ----------               -------------
(State or other jurisdiction         (File No.)               (IRS Employer
of incorporation)                                         Identification Number)


  2000 Mt. Troy Road, Pittsburgh, Pennsylvania                    15212
  --------------------------------------------                    -----
(Address of principal executive offices)                        (Zip Code)


Registrant's telephone number, including area code: (412) 322-6107
                                                    --------------


                                 Not Applicable
          -------------------------------------------------------------
          (Former name or former address, if changed since last Report)




                              RESERVE BANCORP, INC.

                      INFORMATION TO BE INCLUDED IN REPORT



Item 5.           Other Events

     Effective  April 15, 2004,  Mr.  Gerard R. Kunic  replaced  Mr.  Richard A.
Sinewe as President of the  Registrant  and its  wholly-owned  subsidiary  bank,
Reserve Bank. Prior to joining the Registrant and its subsidiary,  Mr. Kunic was
the executive vice president and chief operating officer of Commercial  National
Financial Corp in Latrobe, Pennsylvania. Mr. Richard A. Sinewe has resigned as a
director of the  Registrant  and Reserve Bank as of April 30, 2004,  and he will
retire as an employee of the  Registrant  and  Reserve  Bank as of December  31,
2004.



                                   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, thereunto duly authorized.


                                            RESERVE BANCORP, INC.



Date: April 30, 2004                        By:   /s/Robert B. Shust
                                                  ------------------------------
                                                  Robert B. Shust, Secretary