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) July 28, 2003
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                                NORTH BAY BANCORP
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             (Exact name of registrant as specified in its charter)

          California                     0-31080                 68-0434802
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(State or other jurisdiction of        (Commission             (IRS Employer
        incorporation)                 File Number)         Identification No.)

1500 Soscol Avenue, Napa, California                             94559-3045
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         (Address of principal executive offices)                (Zip Code)

Registrant's telephone number, including area code   (707) 257-8585
                                                  -----------------

                                       N/A
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          (Former name or former address, if changed since last report)



Item 7. Financial Statements and Exhibits.

             (b)  Exhibits

                  99.1     Press release announcing earnings for the quarter and
                           six month period ended June 30, 2003.

Item 12. Results of Operations and Financial Condition

Earnings  Release.  On July 28, 2003,  North Bay Bancorp  issued a press release
announcing  its  earnings  for the quarter and six month  period  ended June 30,
2003. A copy of the press release is attached to this Current  Report as Exhibit
99.1 and incorporated into this report by reference. 12

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                                   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.


Date: July 29, 2003              NORTH BAY BANCORP


                                 /s/ Terry L. Robinson
                                 -----------------------------------------------
                                 Terry L. Robinson, President and Chief
                                 Executive Officer (Principal Executive Officer)

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