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

FORM 10-K/A

(Mark One)



|[X] | AMENDMENT TO ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
EXCHANGE ACT OF 1934
|--- | -------------------------------------------------------------------------------------------------

For the fiscal year ended December 31, 2001


OR




|[   ] | TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE
ACT OF 1934
|----- | ----------------------------------------------------------------------------------------

For the transition period from __________ to __________


(REDDING BANCORP LOGO)

Commission file number 0-25135

(Exact name of Registrant as specified in its charter)

|                                                               |  |                                     
|-------------------------------------------------------------- |  | ------------------------------------
|California                                                     |  | 94-2823865                          
|(State or other jurisdiction of incorporation or
organization) |  | (I.R.S. Employer Identification No.)

|                                          |  |           
|----------------------------------------- |  | ----------
|1951 Churn Creek Road
Redding, California |  | 96002     
|(Address of principal executive offices)  |  | (Zip code)

Registrants telephone number, including area code: (530) 224-3333

Securities registered pursuant to Section 12(b) of the Act: None

Securities registered pursuant to Section 12(g) of the Act:
Common Stock, no par value per share

Indicate by check mark whether the Registrant (1) has filed all reports required to be filed by
Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for
such shorter period that the Registrant was required to file such reports), and (2) has been subject
to such filing requirements for the past 90 days. Yes [X]   No [   ]

Indicate the number of shares outstanding of each of the issuers class of common stock, as of the
latest practicable date. March 31, 2002: 2,698,415

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INDEPENDENT AUDITORS REPORT

To the Board of Directors
Redding Bancorp:

We have audited the accompanying consolidated balance sheets of Redding Bancorp and
subsidiaries as of December 31, 2001 and 2000, and the related consolidated statements
of income, stockholders equity, and cash flows for each of the three years in the
period ended December 31, 2001. These financial statements are the responsibility of the
Companys management. Our responsibility is to express an opinion on these financial statements based on our audits.

We conducted our audits in accordance with auditing standards generally accepted in the United
States of America. Those standards require that we plan and perform the audit to obtain reasonable
assurance about whether the financial statements are free of material misstatement. An audit
includes examining, on a test basis, evidence supporting the amounts
and disclosures in the
financial statements. An audit also includes assessing the accounting principles used
and significant estimates made by management, as well as evaluating the overall financial
statement presentation. We believe that our audits provide a reasonable basis for our opinion.

In our opinion, such consolidated financial statements present fairly, in all material respects,
the financial position of Redding Bancorp and subsidiaries as of December 31, 2001 and 2000, and
the results of their operations and their cash flows for each of the three years in the period
ended December 31, 2001 in conformity with accounting principles generally accepted in the United
States of America.

-s- Deloitte & Touche LLP

Sacramento, California
January 18, 2002

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SIGNATURES

Pursuant to the requirements of Section 13 or 15(d) of the Securities
Exchange Act of 1934, the Company has duly caused this report to be signed on
its behalf by the undersigned, thereunto duly authorized, on May 7, 2002.

| |                                                                   |                   
| | ----------------------------------------------------------------- | ------------------
| | REDDING BANCORP                                                  
|
| | By                                                                | /s/ Linda J. Miles
| |                                                                  
| | Linda J. Miles
Executive Vice President &
Chief Financial Officer

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