UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                                Washington, D.C.

                                    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 17, 2003
                                                 -------------


                          TEMECULA VALLEY BANCORP INC.
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             (Exact name of Registrant as specified in its charter)




          DELAWARE                                            46-0476193
- ------------------------------   -------------        --------------------------
 (State or other jurisdiction   (File number)              (I.R.S. Employer
    of incorporation)                                     Identification No.)



27710 Jefferson Avenue,
Suite A100, Temecula, CA                                      92590
- ---------------------------------------               --------------------------
(Address of principal executive office)                     (Zip Code)


Registrant's telephone number, including area code:     (909) 694-9940
                                                   --------------------------



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





ITEM 7.   FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS

          (C)  Exhibits

               99    Press Release

                                   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.


Dated: July 17, 2003           TEMECULA VALLEY BANCORP INC.


                               By:       /S/ Stephen H. Wacknitz
                                        ---------------------------------------
                                        Stephen H. Wacknitz
                                        President and Chief Executive Officer



                               By:       /S/ DONALD A. PITCHER
                                        ---------------------------------------
                                        DONALD A. PITCHER
                                        Senior Vice President
                                        Chief Financial Officer




                                  EXHIBIT INDEX
                                  -------------


EXHIBIT NO.                DESCRIPTION                           PAGE NO.
- -----------                -----------                           --------

99                         Press Release                            3