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) October 20, 2003
                                                        ----------------


                          TEMECULA VALLEY BANCORP INC.
- --------------------------------------------------------------------------------
             (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
                                                      --------------------------


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











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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: October 20, 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
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EXHIBIT NO.        DESCRIPTION                                      PAGE NO.
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99                 Press Release                                        3








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