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 20, 2005
                                                 ---------------

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


        California                                               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: (951) 694-9940
                                                    ---------------


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




ITEM 9.01 FINANCIAL STATEMENTS 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 20, 2005                               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