UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

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

                                    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): January 26, 2005

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

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

         California                                             46-0476193
  (State or other              (Commission File Number)     (I.R.S. Employer
jurisdiction of incorporation)                           Identification Number)


               27710 Jefferson Avenue
                     Suite A100
                Temecula, California                               92590
      (Address of principal executive offices)                   (Zip code)

       Registrant's telephone number, including area code: (951) 694-9940

                                 Not Applicable
          (Former name or former address, if changed since last report)


Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions:

|_| Written communications pursuant to Rule 425 under the Securities Act
    (17 CFR 230.425)

|_| Soliciting material pursuant to Rule 14a-12 under the Exchange Act
    (17 CFR 240.14a-12)

|_| Pre-commencement communications pursuant to Rule 14d-2(b) under the
    Exchange Act (17 CFR 240.14d-2(b))

|_| Pre-commencement communications pursuant to Rule 13e-4(c) under the
    Exchange Act (17 CFR 240.13e-4(c))

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Item 2.02 and Item 7.01 - Results of Operations and Financial Condition and
Regulation FD Disclosure.

     On January 25, 2005, Temecula Valley Bancorp Inc. announced its financial
results for the quarter ended December 31, 2004. The full text of the press
release issued is attached as Exhibit 99.1 to this Current Report on Form 8-K
and is incorporated into this Item 2.02 by reference.

     The information in this Item 2.02 of this Form 8-K and the Exhibit attached
hereto shall not be deemed "filed" for purposes of Section 18 of the Securities
Exchange Act of 1934 (the "Exchange Act") or otherwise subject to the
liabilities of that section, nor shall it be deemed incorporated by reference in
any filing under the Securities Act of 1933 or the Exchange Act, except as
expressly set forth by specific reference in such a filing.


Item 9.01 - Financial Statements and Exhibits

     The following exhibit in its entirety is furnished as part of this Current
     Report on Form 8-K.


Exhibit
Number                               Exhibit Title
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  99.1          Press release of Temecula Valley Bancorp Inc. dated January 26,
                2005




                                    SIGNATURE

     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.


                                       TEMECULA VALLEY BANCORP INC.


Date:  January 26, 2005                By:/s/ STEPHEN H. WACKNITZ
                                          -----------------------
                                          Stephen H. Wacknitz
                                          Chief Executive Officer and President