EXHIBIT 99.2

Solicitation and Marketing Materials

[LETTERHEAD] Charles Webb & Company

A Division of

KEEFE, BRUYETTE & WOODS, INC.

August xx, 1997

To Members and Friends of Riverview,
M.H.C. and Stockholders of
Riverview Savings, FSB

Charles Webb & Company, a member of the National Association of Securities
Dealers, Inc. ("NASD"), is assisting Riverview, M.H.C. (the "MHC") in its
conversion from a mutual holding company to a stock holding company and the
concurrent offering of shares of common stock by Riverview Bancorp, Inc. (the
"Holding Company"), the newly-formed corporation that will serve as holding
company for Riverview Savings Bank, FSB ("Riverview Savings") following the
conversion.

At the request of the Holding Company, we are enclosing materials explaining the
conversion and your options, including an opportunity to invest in shares of the
Holding Company's common stock being offered to members of the MHC, Riverview
Saving's Employee Stock Ownership Plan, stockholders of Riverview Savings and
the community through September xx, 1997. Please read the enclosed offering
materials carefully. The Holding Company has asked us to forward these documents
to you in view of certain requirements of the securities laws in your state.

If you have any questions, please visit our Stock Information Center at 700 N.E.
Fourth Avenue, Camas, Washington or feel free to call the Stock Information
Center at (360) xxx-xxxx.

Very truly yours,

Charles Webb & Company

THE SHARES OF COMMON STOCK BEING OFFERED ARE NOT SAVINGS ACCOUNTS OR DEPOSITS
AND ARE NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION, THE BANK
INSURANCE FUND, THE SAVINGS ASSOCIATION INSURANCE FUND OR ANY OTHER GOVERNMENTAL
AGENCY. THIS IS NOT AN OFFER TO SELL OR A SOLICITATION OF AN OFFER TO BUY STOCK.
THE OFFER IS MADE ONLY BY THE PROSPECTUS.

August xx, 1997

Dear Member:

We are pleased to announce that Riverview, M.H.C. is converting from a mutual
holding company to a stock holding company and Riverview Savings Bank, FSB
("Riverview Savings") is simultaneously reorganizing as a wholly-owned
subsidiary of a newly-formed corporation (the "Conversion and Reorganization").
In conjunction with the Conversion and Reorganization, Riverview Bancorp, Inc.
("Riverview Bancorp"), the newly-formed corporation that will serve as holding
company for Riverview Savings, is offering shares of common stock in a
subscription offering and direct community offering.

Unfortunately, Riverview Bancorp is unable to either offer or sell its common
stock to you because the small number of eligible subscribers in your
jurisdiction makes registration or qualification of the common stock under the
securities laws of your jurisdiction impractical, for reasons of cost or
otherwise. Accordingly, this letter should not be considered an offer to sell or
a solicitation of an offer to buy the common stock of Riverview Bancorp.

However, you have the right to vote on the Plan of Conversion and Agreement and
Plan of Reorganization at the Special Meeting of Members to be held on September
xx, 1997. Therefore, enclosed is a proxy card, a Proxy Statement (which includes
the Notice of the Special Meeting), a Prospectus (which is provided solely as an
accompaniment to the Proxy Statement) and a return envelope for your proxy card.

I invite you to attend the Special Meeting on September xx, 1997. However,
whether or not you are able to attend, please complete the enclosed proxy card
and return it in the enclosed envelope.

Sincerely,

Patrick Sheaffer
Chairman, President and Chief Executive Officer

August xx, 1997

Dear Member:

We are pleased to announce that Riverview, M.H.C. is converting from a mutual
holding company to a stock holding company and Riverview Savings Bank, FSB
("Riverview Savings") is simultaneously reorganizing as a wholly-owned
subsidiary of a newly-formed holding company (the "Conversion and
Reorganization"). In conjunction with the Conversion and Reorganization,
Riverview Bancorp, Inc., the newly-formed corporation that will serve as holding
company for Riverview Savings, is offering shares of common stock in a
subscription offering and direct community offering to certain of our depositors
and borrowers, to Riverview Saving's Employee Stock Ownership Plan and some
members of the general public pursuant to a Plan of Conversion and
Reorganization.

To accomplish the Conversion and Reorganization, we need your participation in
an important vote. Enclosed is a proxy statement describing the Plan of
Conversion and Reorganization and your voting and subscription rights. The Plan
of Conversion and Reorganization has been approved by the Office of Thrift
Supervision and now must be approved by you. YOUR VOTE IS VERY IMPORTANT.

Enclosed, as part of the proxy material, is your proxy card located behind the
window of your mailing envelope. This proxy card should be signed and returned
to us prior to the Special Meeting of Members to be held on September xx, 1997.
Please take a moment to sign the enclosed proxy card and return it to us in the
postage-paid envelope provided. FAILURE TO VOTE HAS THE SAME EFFECT AS VOTING
AGAINST THE CONVERSION AND REORGANIZATION.

The Boards of Directors of Riverview, M.H.C. and Riverview Savings believe that
the Conversion and Reorganization is in the best interests of Riverview, M.H.C.
and its members and Riverview Savings and its stockholders. Please remember:

o Your deposit accounts at Riverview Savings will continue to be insured
up to the maximum legal limit by the Federal Deposit Insurance
Corporation ("FDIC").

o There will be no change in the balance, interest rate, or maturity of
any deposit or loan accounts because of the Conversion and
Reorganization.

o Members have a right, but no obligation, to buy stock before it is
offered to the public.

o Like all stock, stock issued in this offering will not be insured by
the FDIC.

Enclosed are materials describing the stock offering. We urge you to read these
materials carefully before submitting your Stock Order and Certification Form.
If you are interested in purchasing the common stock of Riverview Bancorp, Inc.,
you must submit your Stock Order and Certification Form and payment prior to
x:xx p.m., Pacific Time on September xx, 1997.

If you have additional questions regarding the stock offering, please call us at
(360) xxx-xxxx, Monday through Thursday 9:00 a.m. to 5:00 p.m. and Friday 9:00
a.m. to 5:30 p.m., or stop by the Stock Information Center located at 700 N.E.
Fourth Avenue, in Camas, Washington.

Sincerely,

Patrick Sheaffer
Chairman, President and Chief Executive Officer

August xx, 1997

Dear Friend:

We are pleased to announce that Riverview, M.H.C. is converting from a mutual
holding company to a stock holding company and Riverview Savings Bank, FSB
("Riverview Savings") is simultaneously reorganizing as a wholly-owned
subsidiary of a newly formed holding company (the "Conversion and
Reorganization"). In conjunction with the Conversion and Reorganization,
Riverview Bancorp, Inc. ("Riverview Bancorp"), the newly-formed corporation that
will serve as holding company for Riverview Savings, is offering shares of
common stock in a subscription offering and direct community offering. The sale
of stock in connection with the Conversion and Reorganization will enable
Riverview Savings to raise additional capital to support and enhance its current
operations.

Because we believe you may be interested in learning more about the merits of
Riverview Bancorp's stock as an investment, we are sending you the following
materials which describe the stock offering. Please read these materials
carefully before you submit a Stock Order and Certification Form.

o PROSPECTUS: This document provides detailed information about the
operations of Riverview Bancorp, Riverview Savings and the proposed
stock offering.

o QUESTIONS AND ANSWERS: Key questions and answers about the stock
offering are found in this pamphlet.

o STOCK ORDER AND CERTIFICATION FORM: This form is used to purchase
stock by returning it with your payment in the enclosed business reply
envelope. The deadline for ordering stock is x:xx p.m., Pacific Time,
September xx, 1997.

As a friend of Riverview, M.H.C., you will have the opportunity to buy stock
directly from Riverview Bancorp without commission or fee. If you have
additional questions regarding the Conversion and Reorganization and stock
offering, please call us at (360) xxx-xxxx, Monday through Thursday 9:00 a.m. to
5:00 p.m. and Friday 9:00 a.m. to 5:30 p.m., or stop by the Stock Information
Center at 700 N.E. Fourth Avenue, Camas, Washington.

We are pleased to offer you this opportunity to become a charter shareholder of
Riverview Bancorp, Inc.

Sincerely,

Patrick Sheaffer
Chairman, President and Chief Executive Officer

August xx, 1997

Dear Prospective Investor:

We are pleased to announce that Riverview, M.H.C. is converting from a mutual
holding company to a stock holding company and Riverview Savings Bank, FSB
("Riverview Savings") is simultaneously reorganizing as a wholly-owned
subsidiary of a newly-formed holding company (the "Conversion and
Reorganization"). In conjunction with the Conversion and Reorganization,
Riverview Bancorp, Inc. ("Riverview Bancorp") the newly-formed corporation that
will serve as holding company for Riverview Savings, is offering shares of
common stock in a subscription offering and direct community offering. The sale
of stock in connection with the Conversion and Reorganization will enable
Riverview Savings to raise additional capital to support and enhance its current
operations.

We have enclosed the following materials which will help you learn more about
the stock offering of Riverview Bancorp. Please read and review the materials
carefully before you submit a Stock Order and Certification Form.

o PROSPECTUS: This document provides detailed information about the
operations of Riverview Bancorp, Riverview Savings and the proposed
stock offering.

o QUESTIONS AND ANSWERS: Key questions and answers about the stock
offering are found in this pamphlet.

We invite our loyal customers and local community members to become charter
shareholders of Riverview Bancorp. Through this offering you have the
opportunity to buy stock directly from Riverview Bancorp, without commission or
fee. The board of directors and management of Riverview Savings and Riverview,
M.H.C. fully support the stock offering.

If you have additional questions regarding the Conversion and Reorganization and
stock offering, please call us at (360) xxx-xxxx, Monday through Thursday 9:00
a.m. to 5:00 p.m. and Friday 9:00 a.m. to 5:30 p.m., or stop by the Stock
Information Center located at 700 N.E. Fourth Avenue, Camas, Washington.

Sincerely,

Patrick Sheaffer
Chairman, President and Chief Executive Officer

(Dear stockholder Dark blue sky)

August xx, 1997

Dear Shareholder:

I invite you to attend the Special Meeting on September xx, 1997. However,
whether or not you are able to attend, please complete the enclosed proxy card
and return it in the enclosed envelope.

Sincerely,

Patrick Sheaffer
Chairman, President and Chief Executive Officer

(Stockholder Letter REGISTERED HOLDERS- Riverview Savings letterhead)

Dear Stockholder:

We are pleased to inform you that the Boards of Directors of Riverview Savings,
FSB ("Riverview Savings") of Camas, Washington, Riverview, M.H.C. (the "MHC")
and Riverview Financial Corporation (the "Company") have adopted a Plan of
Conversion and Reorganization (the "Plan of Conversion") whereby the MHC and
Riverview Savings will be reorganized into a stock holding company (the
"Conversion and Reorganization"). Riverview Savings has organized the Company to
become the holding company for all of Riverview Savings' stock. Pursuant to the
Plan of Conversion, the existing shareholders of Riverview Savings (other than
the MHC) will be issued shares of the Company's Common Stock in exchange for
their shares of Riverview Savings common stock (the "Exchange"). The Exchange
will result in those shareholders owning in the aggregate the same percent of
the Company as they owned of the Riverview Savings. In addition to the shares of
Company stock to be issued in the Exchange, the Company is also offering up to
2,760,000 shares of common stock (subject to increase up to 3,174,000 shares in
certain circumstances) to the MHC's members, Riverview Savings' stockholders and
members of the public. Consummation of the Plan of Conversion and Reorganization
is subject to (i) the approval of the members of the MHC, (ii) the approval of
the stockholders of the Riverview Savings and (iii) various regulatory
approvals.

We are asking stockholders of the Riverview Savings as of August xx, 1997, the
voting record date, to vote FOR the Plan of Conversion. If you and/or members of
your family hold stock in different names, you may receive more than one proxy
mailing. Please vote all proxy cards received and return them today in the
enclosed postage-paid envelope. Should you choose to attend the meeting and wish
to vote in person, you may do so by executing your previously submitted proxy.
Your vote FOR the Plan of Conversion will not obligate you to buy any additional
stock in the Conversion and Reorganization. A Proxy Statement relating to the
Conversion and Reorganization is enclosed.

We have enclosed the following materials which will help you learn more about
investing in Riverview Bancorp's common stock. Please read and review the
materials carefully before making an investment decision.

o PROSPECTUS: This document provides detailed information about the
operations of Riverview Bancorp, Riverview Savings and the proposed
stock offering.

o QUESTIONS AND ANSWERS BROCHURE: Key questions and answers about the
stock offering are found in this pamphlet.

We are invite our loyal customers, existing stockholders, and local community
members to become stockholders of Riverview Bancorp. Through this offering you
have the opportunity to buy additional stock directly from Riverview Bancorp
without commission or fee.

Should you have additional questions regarding the Conversion and Reorganization
and stock offering, please call the Stock Information Center at (360) xxx-xxxx,
Monday through Thursday 9:00 a.m. to 5:00 p.m. and Friday 9:00 a.m. to 5:30
p.m., Pacific Time, or stop by the Stock Information Center at 700 N.E. Fourth
Avenue in Camas.

Sincerely,

Riverview Savings, FSB

By: Patrick Sheaffer
Chairman, President and Chief Executive Officer

(Stockholder Letter STREET HOLDERS- Riverview Savings letterhead)

Dear Stockholder:

o PROSPECTUS: This document provides detailed information about the
operations of Riverview Bancorp, Riverview Savings and the proposed
stock offering.

o QUESTIONS AND ANSWERS BROCHURE: Key questions and answers about the
stock offering are found in this pamphlet.

o STOCK ORDER AND CERTIFICATION FORM: This form is used to purchase
stock by signing and returning it with your payment in the enclosed
business reply envelope. The deadline for ordering stock is x:xx p.m.,
Pacific Time, on September xx, 1997. You may obtain a Stock Order and
Certification Form from your broker or by contacting the Stock
Information Center.

Sincerely,

Riverview Savings, FSB

By: Patrick Sheaffer
Chairman, President and Chief Executive Officer

(Stockholder Letter Street holders - 2nd mailing-Riverview Savings Letterhead)

August xx, 1997

Dear Stockholder:

Under separate cover on this date, we forwarded to you information regarding the
Plan of Conversion and Reorganization of Riverview Savings Bank, FSB ("Riverview
Savings") and Riverview, M.H.C. (the "MHC") and the concurrent offering of
common stock by Riverview Bancorp, Inc. ("Riverview Bancorp").

As a result of certain requirements, we could not forward a Stock Order and
Certification Form with the other packet of materials. They are enclosed herein,
along with a Prospectus.

The deadline for ordering Riverview Bancorp's common stock is at x:xx p.m.,
Pacific Time, on September xx, 1997.

Should you have additional questions regarding the Conversion and Reorganization
and stock offering, please call the Stock Information Center at (360) xxx-xxxx,
Monday through Thursday from 9:00 a.m. to 5:00 p.m., and Friday from 9:00 a.m.
to 5:30 p.m., Pacific Time, or stop by the Stock Information Center at 700 N.E.
Fourth Avenue in Camas.

Sincerely,

Riverview Savings Bank, FSB

By: Patrick Sheaffer
Chairman, President and Chief Executive Officer

FACTS ABOUT CONVERSION AND
REORGANIZATION

The Boards of Directors of Riverview Savings Bank, FSB ("Riverview Savings" or
the "Savings Bank") and Riverview, M.H.C. (the "MHC") unanimously adopted a Plan
of Conversion and Agreement and Plan of Reorganization (the "Plan") to convert
the MHC from a mutual holding company to a stock holding company and
simultaneously reorganize Riverview Savings as a wholly-owned subsidiary of a
newly-formed corporation ("Conversion and Reorganization").

This brochure answers some of the most frequently asked questions about the Plan
and about your opportunity to invest in Riverview Bancorp, Inc., (the "Holding
Company" or "Riverview Bancorp"), the newly formed corporation that will serve
as the holding company for Riverview Savings following the Conversion and
Reorganization.

Investment in the stock of the Holding Company involves certain risks. For a
discussion of these risks, other factors, and a complete description of the
offerings investors are urged to read the accompanying Prospectus, especially
the discussion under the heading "Risk Factors".

WHY IS THE MHC CONVERTING TO THE STOCK HOLDING COMPANY STRUCTURE?
- --------------------------------------------------------------------------------

The stock holding company structure is a more common form of ownership than the
mutual holding company structure and offers the ability to diversify the MHC's
and the Savings Bank's business activities. The Conversion and Reorganization
will increase both the capital base of the Savings Bank and the number of
outstanding shares, which will increase the likelihood of the development of an
active and liquid market for the common stock of the Holding Company.

WILL THE PLAN AFFECT ANY OF MY DEPOSIT ACCOUNTS OR LOANS?

No. The Plan will not effect the balance or terms of any savings account or
loan, and your deposits will continue to be federally insured by the Federal
Deposit Insurance Corporation ("FDIC") to the maximum legal limit. Your savings
account is not being converted to stock.

WHO IS ELIGIBLE TO PURCHASE STOCK IN THE SUBSCRIPTION OFFERING AND DIRECT
COMMUNITY OFFERING?
- --------------------------------------------------------------------------------

Depositors of Riverview Savings as of certain dates, the Savings Bank's Employee
Stock Ownership Plan, Riverview Savings' public stockholders, certain borrowers
and members of the general public.

HOW MANY SHARES OF STOCK ARE BEING OFFERED AND AT WHAT PRICE?

Riverview Bancorp is offering up to 1,976,571 shares of common stock ("Exchange
Shares"). The outstanding shares of common stock of the Savings Bank will be
exchanged for exchange shares according to the Exchange Ratio described in the
next section. Riverview Bancorp, Inc. is also offering up to 2,760,000 shares of
common stock ("Conversion Shares"), subject to adjustment as described in the
Prospectus, at a price of $10.00 per share through the Prospectus.

I AM AN EXISTING STOCKHOLDER. HOW WILL MY STOCK BE TREATED?
- --------------------------------------------------------------------------------

The Plan ensures that existing shareholders of the Savings Bank will own the
same aggregate percentage of the Holding Company's common stock as they own of
the Savings Bank. Depending upon where the offering closes in the Estimated
Valuation Range, an exchange ratio ranging from approximately 1.4488 to 1.9601

Exchange Shares will be applied to each share of Savings Bank common stock.

HOW MANY CONVERSION SHARES MAY I BUY?
- --------------------------------------------------------------------------------

The minimum order is 25 shares. In each of the Subscription Offering, the Direct
Community Offering or any Syndicated Offering, the maximum purchase for any
person including associates is xx,xxx shares, including any Exchange Shares to
which such person may be entitled as a shareholder of the Savings Bank.

DO MEMBERS HAVE TO BUY CONVERSION SHARES?
- --------------------------------------------------------------------------------

No. However, if a member of the MHC is also a stockholder of the Savings Bank,
his or her shares of Savings Bank stock will be converted automatically to
Exchange Shares.

HOW DO I ORDER CONVERSION SHARES?
- --------------------------------------------------------------------------------

You must complete the enclosed Stock Order Form and Certification Form.
Instructions for completing your Stock Order Form and Certification Form are
contained in this packet. Your order must be received by x:xx p.m., Pacific
Time, on September xx, 1997.

HOW MAY I PAY FOR MY CONVERSION SHARES?
- --------------------------------------------------------------------------------

First, you may pay by check, cash or money order. Interest will be paid by
Riverview Savings on these funds at the current passbook rate from the day the
funds are received until the completion or termination of the Plan. Second, you
may authorize us to withdraw funds from your Riverview Savings account or
certificate of deposit for the amount of funds you specify for payment. You will
not have access to these funds from the day we receive your order until
completion or termination of the Plan. Riverview Savings will waive any early
withdrawal penalties on certificate accounts used to purchase stock.

CAN I PURCHASE SHARES USING FUNDS IN MY RIVERVIEW SAVINGS IRA ACCOUNT?
- --------------------------------------------------------------------------------

Federal regulations do not permit the purchase of Conversion Shares from your
existing IRA account at the Savings Bank. Please call our Stock Information
Center for additional
information.

WILL THE STOCK BE INSURED?
- --------------------------------------------------------------------------------

No. Like any other common stock, the Holding Company's common stock will not be
insured.

WILL DIVIDENDS BE PAID ON THE STOCK?
- --------------------------------------------------------------------------------

The Board of Directors of the Holding Company intends to pay cash dividends on
the common stock at an initial quarterly rate equal to $0.xx per share divided
by the final exchange ratio, commencing with the first full quarter following
consummation of the conversion and reorganization. However no assurances can be
given that such dividends will be paid, or if paid, will continue.

HOW WILL THE STOCK BE TRADED?
- --------------------------------------------------------------------------------

The Company's common stock has been approved for listing on the Nasdaq National
Market System under the symbol "RVSB". However, no assurance can be given that
an active and liquid market will develop.

MUST I PAY A COMMISSION?
- --------------------------------------------------------------------------------

No. You will not be charged a commission or fee on the purchase of shares in the
Conversion and Reorganization.

SHOULD I VOTE?
- --------------------------------------------------------------------------------

Yes. Your "YES" vote is very important!

PLEASE VOTE, SIGN AND RETURN ALL
PROXY CARDS!

WHY DID I GET SEVERAL PROXY CARDS?
- --------------------------------------------------------------------------------

If you have more than one account, you could receive more than one proxy card,
depending on the ownership structure of your accounts. If you own shares of
common stock of the Savings Bank in more than one account, you could receive
more than on proxy card for the Savings Bank's Meeting of Stockholders.

HOW MANY VOTES DO I HAVE?
- --------------------------------------------------------------------------------

Your proxy card(s) show(s) the number of votes you have. Every member of the MHC
entitled to vote may cast one vote for each $100, or fraction thereof, on
deposit at the Savings Bank as of the voting record date. Additionally, certain
borrowers of the Savings Bank entitled to vote may cast one vote for each loan
with the Savings Bank. Each stockholder of the Savings Bank is entitled to cast
one vote for each share held as of the voting record date.

MAY I VOTE IN PERSON AT THE SPECIAL MEETING OF MEMBERS AND/OR THE MEETING OF
STOCKHODLERS?
- --------------------------------------------------------------------------------

Yes, but we would still like you to sign and mail your proxy today. If you
decide to revoke your proxy you may do so by giving notice at the appropriate
meeting.

FOR ADDITIONAL INFORMATION YOU MAY CALL OUR STOCK INFORMATION CENTER BETWEEN
9:00 A.M. AND 5:00 P.M. MONDAY THROUGH THURSDAY OR FRIDAY BETWEEN 9:00 A.M. AND
5:30 P.M., PACIFIC TIME.

================================================================================
STOCK INFORMATION CENTER

(360) xxx-xxxx
================================================================================

Riverview Bancorp, Inc.
700 N.E. Fourth Avenue
Camas, Washington 98067

STOCK OFFERING
QUESTIONS
AND
ANSWERS
- --------------------------------------------------------------------------------

Riverview Bancorp, Inc.

THE STOCK OFFERED IN THE CONVERSION IS NOT A DEPOSIT OR ACCOUNT AND IS NOT
FEDERALLY INSURED OR GUARANTEED. THIS IS NOT AN OFFER TO SELL OR A SOLICIATION
OF AN OFFER TO BUY STOCK. THE OFFER WILL BE MADE ONLY BY THE PROSPECTUS
ACCOMPANIED BY A STOCK ORDER FORM AND CERTIFICATION FORM.

================================================================================
PROXY GRAM

We recently forwarded to you a proxy statement and letter advising that
Riverview, M.H.C. had received conditional approval to convert from a mutual
holding company to a stock holding company.

Your vote on our Plan of Conversion and Agreement and Plan of Reorganization has
not yet been received. Failure to Vote has the Same Effect as Voting Against the
Plan of Conversion and Agreement and Plan of Reorganization.

Your vote is important to us. Therefore, we are requesting that you sign the
enclosed proxy card and return it promptly in the enclosed postage-paid
envelope.

Voting for the Plan of Conversion and Agreement and Plan of Reorganization does
not obligate you to purchase stock or affect the terms or insurance on your
accounts.

The Boards of Directors of Riverview, M.H.C. unanimously recommend that you vote
"FOR" the Plan of Conversion and Agreement and Plan of Reorganization.

RIVERVIEW, M.H.C.
Camas, Washington

Patrick Sheaffer
Chairman, President and Chief Executive Officer
- --------------------------------------------------------------------------------

If you mailed the proxy, please accept our thanks and disregard this request.
For further information call (360) xxx-xxxx.

The shares of common stock being offered are not savings accounts or deposits
and are not insured by the Federal Deposit Insurance Corporation, the Bank
Insurance Fund or any other governmental agency. This is not an offer to sell or
a solicitation of an offer to buy stock. The offer is made only by the
Prospectus.

================================================================================

Proxy Card
- -------------------------------------------------------------------------------

Riverview Bancorp, Inc.
Proposed Holding Company for Riverview Savings Bank, FSB

Stock Information Center
700 N.E. Fourth Street
Camas, Washington
(360) xxx-xxxx

Stock Order Form

- --------------------------------------------------------------------------------
Deadline The Subscription Offering ends at x:xx p.m., Pacific Time, on September
xx, 1997. Your original Stock Order and Certification Form, properly executed
and with the correct payment, must be received at the address on the top of this
form by this deadline, or it will be considered void.
- --------------------------------------------------------------------------------

(1) Number of Shares Price Per Share (2) Total Amount Due
x $10.00 = $
- -------------------- --------------------

The minimum number of shares that may be subscribed for is 25. The maximum
individual subscription, when combined with exchange shares, is xx,xxx shares in
the Subscription Offering and Direct Community Offering.
- --------------------------------------------------------------------------------
Method of Payment

(3)[ ] Enclosed is a check, bank draft or money order payable to Riverview
Bancorp, Inc. for $_________________ (or cash if presented in person).

(4)[ ] I authorize Riverview Savings to make withdrawals from my Riverview
Savings certificate or savings account (s) shown below, and understand
that the amounts will not otherwise be available for withdrawal:

Account Number (s) Amount (s)
---------------------------------------------------------------------

---------------------------------------------------------------------

---------------------------------------------------------------------
Total Withdrawal
-------------------------

(5)[ ] Check here if you are a director, officer or employee of Riverview
Savings or a member of such person's immediate family.
- --------------------------------------------------------------------------------

(6)[ ] Associate - Acting in Concert

Check here, and complete the reverse side of this form, if you or any
associates (as defined on the reverse side of this form) or persons
acting in concert with you have submitted other orders for shares in the
Subscription Offering and/or Direct Community Offering.
- --------------------------------------------------------------------------------

(7) Purchaser Information (additional space on back of form)

a.[ ] Eligible Account Holder - Check here if you were a depositor with $50.00
or more on deposit with Riverview Savings as of December 31, 1995. Enter
information below for all deposit accounts that you had at Riverview
Savings on December 31, 1995.

b.[ ] Supplemental Eligible Account Holder - Check here if you were a
depositor with $50.00 or more on deposit with Riverview Savings as of
XXXX 3x, 1997, but are not an Eligible Account Holder. Enter information
below for all deposit accounts that you had at Riverview Savings on XXXX
3x, 1997.

c.[ ] Other Member - Check here if you were a depositor of Riverview Savings
as of August xx, 1997, and borrowers of Riverview Savings with loans
outstanding as of October 22, 1993 which continue to be outstanding as
of August xx, 1997 but are not an Eligible Account Holder or a
Supplemental Eligible Account Holder. Enter information below for all
deposit accounts that you had at Riverview Savings on August xx, 1997.

d.[ ] Local Community - Check here if you are a permanent resident of Clark,
Cowlitz, Klickitat or Skamania counties, Washington.gs

e.[ ] Shareholder - Check here if you are a shareholder of Riverview Savings
as of August xx, 1997.

Account Title (Names on Accounts) Account Number
------------------------------------------------------------------------

------------------------------------------------------------------------

- --------------------------------------------------------------------------------

(8)[ ] Stock Registration

[ ] Individual [ ] Uniform Transfer to Minors [ ] Partnership
[ ] Joint Tenants [ ] Uniform Gift to Minors [ ] Individual Retirement Account
[ ] Tenants in Common [ ] Corporation [ ] Fiduciary/Trust (Under Agreement Dated _________________)

- --------------------------------------------------------------------------------
Name Social Security or Tax I.D.
- --------------------------------------------------------------------------------

Name Social Security or Tax I.D.
- --------------------------------------------------------------------------------

Street Addressr Daytime Telephone
- --------------------------------------------------------------------------------

City State Zip Code Evening Telephone
- --------------------------------------------------------------------------------

[ ]NASD Affiliation (This section only applies to those individuals who meet the
delineated criteria)
Check here if you are a member of the National Association of Securities
Dealers, Inc. ("NASD"), a person associated with an NASD member, a member of the
immediate family of any such person to whose support such person contributes,
directly or indirectly, or the holder of an account in which an NASD member or
person associated with an NASD member has a beneficial interest. To comply with
conditions under which an exemption from the NASD's Interpretation With Respect
to Free-Riding and Withholding is available, you agree, if you have checked the
NASD affiliation box: (1) not to sell, transfer or hypothecate the stock for a
period of three months following the issuance and (2) to report this
subscription in writing to the applicable NASD member within one day of the
payment therefor.
- --------------------------------------------------------------------------------
Acknowledgment By signing below, I acknowledge receipt of the Prospectus dated
August xx, 1997 and understand I may not change or revoke my order once it is
received by Riverview Bancorp, Inc. I also certify that this stock order is for
my account and there is no agreement or understanding regarding any further sale
or transfer of these shares. Federal regulations prohibit any persons from
transferring, or entering into any agreement directly or indirectly to transfer,
the legal or beneficial ownership of conversion subscription rights or the
underlying securities to the account of another person. Riverview Savings Bank,
FSB will pursue any and all legal and equitable remedies in the event it becomes
aware of the transfer of subscription rights and will not honor orders known by
it to involve such transfer. Under penalties of perjury, I further certify that:
(1) the social security number or taxpayer identification number given above is
correct; and (2) I am not subject to backup withholding. You must cross out this
item, (2) above, if you have been notified by the Internal Revenue Service that
you are subject to backup withholding because of under- reporting interest or
dividends on your tax return. By signing below, I also acknowledge that I have
not waived any rights under the Securities Act of 1933 and the Securities
Exchange Act of 1934.

Signature THIS FORM MUST BE SIGNED AND DATED TWICE: Here and on the
Certification Form on the reverse side. THIS ORDER IS NOT VALID IF THE STOCK
ORDER FORM AND CERTIFICATION FORM ARE NOT BOTH SIGNED. YOUR ORDER WILL BE FILLED
IN ACCORDANCE WITH THE PROVISIONS OF THE PROSPECTUS. When purchasing as a
custodian, corporate officer, etc., include your full title. An additional
signature is required only if payment is by withdrawal from an account that
requires more than one signature to withdraw funds.

THE SHARES OF COMMON STOCK OFFERED HEREBY ARE NOT SAVINGS ACCOUNTS AND ARE NOT
INSURED OR GUARANTEED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION, THE SAVINGS
ASSOCIATION INSURANCE FUND OR ANY OTHER GOVERNMENTAL AGENCY.

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Signature Title (if applicable) Date

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FOR OFFICE Date Rec'd ___/___/___ Order # ________
USE Check # ___________ Category ________
Batch# _______ Amount $ ___________ Deposit _________

Proxy Card
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Riverview Bancorp, Inc.
Proposed Holding Company for Riverview Savings Bank, FSB

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Item (6) continued; Associate - Acting in Concert

Associates listed on Number of
other stock orders shares ordered
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Item (7) continued; Purchaser Informations

Account Title (Names on Accounts) Account Number

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Definition of Associate

The term "associate" of a person is defined to mean (i) any corporation or other
organization (other than Riverview Bancorp, Inc. ("Holding Company"), Riverview
Savings Bank , FSB ("Riverview Savings"), or a majority owned subsidiary of
Riverview Savings) of which such person is a director, officer or partner or is
directly or indirectly the beneficial owner of 10% or more of any class of
equity securities; (ii) any trust or other estate in which such person has a
substantial beneficial interest or as to which such person serves as trustee or
in a similar fiduciary capacity, provided, however, that such term shall not
include any tax-qualified employee stock benefit plan of the Holding Company or
Riverview Savings in which such person has a substantial beneficial interest or
serves as a trustee or in a similar fiduciary capacity; and (iii) any relative
or spouse of such person, or any relative of such person, who either has the
same home as such person or who is a director or officer of the Holding Company
or Riverview Savings or any of their subsidiaries.

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CERTIFICATION FORM
(This Certification Must Be Signed In Addition to the Stock Order Form On
Reverse Side)

I ACKNOWLEDGE THAT THE SHARES OF COMMON STOCK, $0.01 PAR VALUE PER SHARE, OF
RIVERVIEW BANCORP, INC. IS NOT A DEPOSIT OR AN ACCOUNT AND IS NOT FEDERALLY
INSURED, AND IS NOT GUARANTEED BY RIVERVIEW SAVINGS BANK, FSB OR BY THE FEDERAL
GOVERNMENT.

If anyone asserts that the shares of common stock are federally insured or
guaranteed, or are as safe as an insured deposit, I should call the Office of
Thrift Supervision Western Regional Acting Director, Charles A. Deardorf, at
(415) 616-1500.

I further certify that, before purchasing the shares of common stock of
Riverview Bancorp, Inc., I received a copy of the Prospectus dated, August xx,
1997 which discloses the nature of the shares of common stock being offered
thereby and describes the following risks involved in an investment in the
common stock under the heading "Risk Factors" beginning on page 1 of the
Prospectus:

1. Certain Lending Risks
2. Interest Rate Risk
3. Competition
4. Return on Equity After Conversion and Reorganization
5. Expenses Associated with ESOP and MRP
6. Anti-takeover Considerations
7. Possible Dilutive Effect of Benefit Programs
8. Absence of Prior Market for the Common Stock
9. Possible Increase in Estimated Price Range and Number of Shares Issued
10. Recent Legislation and the Future of the Thrift Industry
11. Possible Adverse Income Tax Consequences of the Distribution of
Subscription Rights

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Signature Date Signature Date
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(Note: If stock is to be held jointly, both parties must sign)

Riverview Bancorp, Inc.
Stock Ownership Guide and Stock Order Form Instructions

Stock Order Form Instructions
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Item 1 and 2 - Fill in the number of shares that you wish to purchase and the
total payment due. The amount due is determined by multiplying the number of
shares ordered bye subscription price of $10.00 per share. The minimum purchase
is 25 shares. The maximum individual subscription, when combined with exchange
shares, is xx,xxx shares in the Subscription and Direct Community Offerings.
Riverview Bancorp, Inc. reserves the right to reject the subscription of any
order received in the Direct Community Offering, if any, in whole or in part.

Item 3 - Payment for shares may be made in cash (only if delivered by you in
person), by check, bank draft or money order payable to Riverview Bancorp, Inc.
DO NOT MAIL CASH. Your funds will earn interest at Riverview Saving's current
passbook rate of x.xx%.

Item 4 - To pay by withdrawal from a savings account or certificate at Riverview
Savings, insert the account number(s) and the amount(s) you wish to withdraw
from each account. If more than one signature is required to withdraw, each must
sign in the signature box on the front of this form. To withdraw from an account
with checking privileges, please write a check. No early withdrawal penalty will
be charged on funds used to purchase stock. A hold will be placed on the
account(s) for the amount(s) you show. Payments will remain in account(s) until
the stock offering closes. If a partial withdrawal reduces the balance of a
certificate account to less than the applicable minimum, the remaining balance
will thereafter earn interest at the passbook rate.

Item 5 - Please check this box to indicate whether you are a director, officer
or employee of Riverview Savings Bank, FSB or a member of such person's
immediate family

Item 6 - Please check this box if you or any associate (as defined on the
reverse side of the Stock Order Form) or person acting in concert with you has
submitted another order for shares and complete the reverse side of the Stock
Order Form.

Item 7 - Please check the appropriate box if you were:

a) depositor with $50.00 or more on deposit at Riverview Savings as of
December 31, 1995. Enter information below for all deposit accounts
that you had at Riverview Savings on December 31, 1995.

b) A depositor with $50.00 or more on deposit at Riverview Savings as of
XXXX 3x, 1997, but are not an Eligible Account Holder. Enter
information below for all deposit accounts that you had at Riverview
Savings on XXXX 3x, 1997.

c) A depositor of Riverview Savings as of August xx, 1997 or a borrower
of Riverview Savings with loans outstanding as of October 22, 1993
which continue to be outstanding as of August xx, 1997, but are not an
Eligible Account Holder or a Supplemental Eligible Account Holder.
Enter information below for all deposit accounts that you had at
Riverview Savings on August xx, 1997.

d) A permanent resident of Clark, Cowlitz, Klickitat or Skamania
Counties, Washington.

e) Shareholder of Riverview Savings as of August xx, 1997.

Item 8 - The stock transfer industry has developed a uniform system of
shareholder registrations that we will use in the issuance of Riverview Bancorp,
Inc. common stock. Please complete this section as fully and accurately as
possible, and be certain to supply your social security or Tax I.D. number(s)
and your daytime and evening phone numbers. We will need to call you if we can
not execute you order as given. If you have any questions regarding the
registration of your stock, please consult your legal advisor. Subscription
rights are not transferable. If you are a qualified member, to protect your
priority over other purchasers as described in the Prospectus, you must take
ownership in at least one of the account holder's names.

Stock Ownership Guide
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Individual - The Stock is to be registered in an individual's name only, You man
not list beneficiaries for this ownership

Joint Tenants - Joint tenants with rights of survivorship identifies two or more
owners. When stock is held by joint tenants with rights of survivorship,
ownership automatically passes to the surviving joint tenant(s) upon the death
of any joint tenant. You may not list beneficiaries for this ownership.

Tenants in Common - Tenants in common may also identify two or more owners. When
stock is to be held by tenants in common, upon the death of one co-tenant,
ownership of the stock will be held by the surviving co-tenant(s) and by the
heirs of the deceased co-tenant. All parties must agree to the transfer or sale
of shares held by tenants in common. You may not list beneficiaries for this
ownership.

Uniform Gift to Minors - For residents of many states, stock may by held in the
name of a custodian for the benefit of a minor under the Uniform Gift to Minors
Act. For residents in other states, stock may be held in a similar type of
ownership under the Uniform Transfer to Minors Act of the individual state. For
either ownership, the minor is the actual owner of the stock with the adult
custodian being responsible for the investment until the child reaches legal
age. Only one custodian and one minor may be designated.

Instructions: On the first name line, print the first name, middle initial and
last name of the custodian, with the abbreviation "CUST" after the name. Print
the first name, middle initial and last name of the minor on the second name
line. Use the minor's social security number.

Corporation/Partnership - Corporation/Partnerships may purchase stock. Please
provide the Corporation/Partnership's legal name and Tax I.D. To have depositor
rights, the Corporation/Partnership must have an account in the legal name.
Please contact the Stock Information Center to verify depositor rights and
purchase limitations.

Individual Retirement Account - Individual Retirement Account ("IRA") holders
may make stock purchases from their deposits through a prearranged
"trustee-to-trustee" transfer. Stock may only be held in a self-directed IRA.
Riverview Savings does not offer a self-directed IRA.
Please contact the Stock Information Center if you have any questions about your
IRA account.

Fiduciary/Trust - Generally, fiduciary relationships (such as Trusts, Estates,
Guardianships, etc.) are established under a form of trust agreement or pursuant
to a court order. Without legal document establishing a fiduciary relationship,
your stock may not be registered in a fiduciary capacity.

Instructions: On the first name line, print the first name, middle initial and
last name of the fiduciary if the fiduciary is an individual. If the fiduciary
is a corporation, list the corporate title on the first name line. Following the
name, print the fiduciary title such as trustee, executor, personal
representative, etc. On the second name line, print the name of the maker ,
donor or testator or the name of the beneficiary. Following the name, indicate
the type of legal document establishing the fiduciary relationship (agreement,
court order, etc.). In the blank after "Under Agreement Dated", fill in the date
of the document governing the relationship. The date of the document need not be
provided for a trust created by a will.