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) June 28, 2004
                                                 -------------


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




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



27710 Jefferson Avenue,
Suite A100, Temecula, CA                                          92590
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(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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                             Exhibit Index on Page 2




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: June 28, 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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                            Exhibit Index on Page 2