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) April 16, 2004
                                                 --------------


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


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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: April 16, 2004             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
                                           Executive Vice President
                                           Chief Financial Officer




                                  EXHIBIT INDEX


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

99                         Press Release                              3



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