SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                                   F O R M 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) October 28, 2003
                                                         ----------------

                                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.)

1190 Airport Road, Suite 101, Napa, California                    94558
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    (Address of principal executive offices)                    (Zip Code)

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

                    1500 Soscol Road, Napa, California 94559
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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 nine
                  month period ended September 30, 2003.

Item 12. Results of Operations and Financial Condition

Earnings Release.  On October 28, 2003, North Bay Bancorp issued a press release
announcing  its earnings  for the quarter and nine month period ended  September
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.


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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: October  28, 2003                      NORTH BAY BANCORP

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


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