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


                                February 17, 2005
             ------------------------------------------------------
                Date of Report (Date of earliest event reported)


                                RSV 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
                                                    --------------


             ------------------------------------------------------
          (Former name or former address, if changed since last Report)



         Check the  appropriate  box below if the Form 8-K filing is intended to
simultaneously  satisfy the filing obligation of the registrant under any of the
following provisions:

|_|  Written communications pursuant to Rule 425 under the Securities Act
|_|  Soliciting material pursuant to Rule 14a-12 under the Exchange Act
|_|  Pre-commencement   communications  pursuant  to  Rule  14d-2(b)  under  the
     Exchange Act
|_|  Pre-commencement   communications  pursuant  to  Rule  13e-4(c)  under  the
     Exchange Act



                      INFORMATION TO BE INCLUDED IN REPORT
                      ------------------------------------


Item 4.01 Change in Registrant's Certifying Accountant
          --------------------------------------------

         On February 17, 2005, the Audit Committee of the Registrant's  Board of
Directors approved the dismissal of Parente Randolph,  LLC ("Parente  Randolph")
as the Registrant's  independent  certifying  accountant.  The Audit Committee's
decision was ratified by the Board of Directors as a whole.

         Parente Randolph's reports on the Registrant's  consolidated  financial
statements  for the  fiscal  years  ended  September  30,  2004 and 2003 did not
contain an adverse  opinion or disclaimer of opinion,  and were not qualified or
modified as to uncertainty, audit scope or accounting principles.

         In connection  with audits of the fiscal years ended September 30, 2004
and 2003 and review of financial  statements  for the quarter ended December 31,
2004, there were no  disagreements  or reportable  events between the Registrant
and Parente  Randolph  on any matters of  accounting  principles  or  practices,
financial statement  disclosure,  or auditing scope or procedure,  which, if not
resolved to the satisfaction of Parente Randolph, would have caused them to make
a reference to the subject matter of the  disagreements or reportable  events in
connection with their reports.

         Effective  February  17,  2005,  the  Registrant  engaged  Beard Miller
Company as its new independent certifying accountant. During the two most recent
fiscal  years  and  the  subsequent  interim  period  to the  date  hereof,  the
Registrant  did not  consult  with Beard  Miller  Company  regarding  any of the
matters or events set forth in Item 304(a)(2)(i) or(ii) of Regulation S-B.




                                   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.



                                            RSV Bancorp, Inc.



Date: February 24, 2005            By:      Gerard R. Kunic
                                            ------------------------------------
                                            Gerard R. Kunic, President