SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549
                               __________________


                                 FORM 10-KSB/A


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

       For the fiscal year ended:              Commission file number:
           December 31, 2002                            0-49691


                               RIVOLI BANCORP, INC.
              (Exact name of registrant as specified in its charter)


                   Georgia                              58-2631780
        (State or other jurisdiction of              (I.R.S. Employer
         incorporation or organization)             Identification No.)


                          5980 Zebulon Road, Macon, Georgia
                       (Address of principal executive offices)

                                        31210
                                      (Zip Code)

                                    (478) 475-5200
                  (Registrant's telephone number, including area code)

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

Securities registered pursuant to Section 12(g) of the Act:   Common Stock, par
value $1.00 per share

This is Amendment No. 1 to the Form 10-KSB for the year ended December 31, 2002
and is dated April 16, 2003.

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 by check mark if disclosure of delinquent filers pursuant to Item 405
of Regulation S-K is not contained herein, and will not be contained, to the
best of the Registrant's knowledge, in definitive proxy or information
statements incorporated by reference in Part III of this Form 10-K or any
amendment to this Form 10-K. [ X ]

Documents Incorporated by Reference:  None.

THE FOLLOWING ITEM IS AMENDED:  ITEM 13.

     Due to an error by the third-party service provider used by the Registrant
to file its Exchange Act reports with the SEC via Edgar, the Registrant's Form
10-KSB for the year ended December 31, 2002 did not have the correct exhibits
attached as Exhibits 99.1 and 99.2 thereto.  This Amendment is being filed by
the Registrant solely to attach the correct exhibits.


ITEM 13.  EXHIBITS AND REPORTS ON FORM 8-K.
          ---------------------------------

     (a)  EXHIBITS.  The following exhibits are filed with or incorporated by
reference into this report.  The exhibits denominated by "*" were previously
filed as a part of, and are hereby incorporated by reference to, the indicated
filings.

Exhibit No.   Description of Exhibit
-----------   ----------------------

   *  3.1     Articles of Incorporation of the Company (Filed as Exhibit 3.1
              to the Current Report on Form 8-K (File No. 000-49691), filed
              with the Commission on March 14, 2002)


   *  3.2     Bylaws of the Company (Filed as Exhibit 3.2 to the Current Report
              on Form 8-K (File No. 000-49691), filed with the Commission on
              March 14, 2002)

   *  4.1     Specimen Common Stock Certificate (Filed as Exhibit 4.1 to the
              Annual Report on Form 10-KSB (File No. 000-49691), filed with the
              Commission on April 1, 2002)

   * 10.1     1998 Stock Option Plan (Filed as Exhibit 10.1 to the Annual Report
              on Form 10-KSB (File No. 000-49691), filed with the Commission on
              April 1, 2002)

   * 10.2     Form of Incentive Stock Option Agreement (Filed as Exhibit 10.2
              to the Annual Report on Form 10-KSB (File No. 000-49691), filed
              with the Commission on April 1, 2002)

   * 10.3     Form of Nonqualifying Stock Option Agreement (Filed as Exhibit
              10.3 to the Annual Report on Form 10-KSB (File No. 000-49691),
              filed with the Commission on April 1, 2002)

   * 10.4     Employment Agreement with J. Patrick McGoldrick (Filed as Exhibit
              10.4 to the Annual Report on Form 10-KSB (File No. 000- 49691),
              filed with the Commission on April 1, 2002)

   * 21.1     Subsidiaries of the Registrant (previously filed on March 31,
              2003 as Exhibit 21.1 to the Form 10-KSB amended hereby)

     99.1     Financial Statements

     99.2     Certification of CEO and CFO

     (b)  REPORTS ON FORM 8-K -  No reports on Form 8-K were filed during the
quarter ended December 31, 2002.



                                 SIGNATURE


     In accordance with Section 13 of the Securities Exchange Act of 1934, the
Registrant caused this Amendment to Form 10-KSB to be signed on its behalf by
the undersigned, thereunto duly authorized.

                                  RIVOLI BANCORP, INC.

                                  By: /s/ J. Patrick McGoldrick
                                      ------------------------------------
Date:  April 16, 2003                 J. Patrick McGoldrick, President and
                                      Chief Executive Officer



         CERTIFICATIONS PURSUANT TO RULE 13a-14 UNDER THE SECURITIES
                       EXCHANGE ACT OF 1934, AS AMENDED

    I, J. Patrick McGoldrick, Chief Executive Officer, certify that:

1.  I have reviewed this Amendment to Form 10-KSB of Rivoli Bancorp, Inc.
    (the "Report");

2.  Based on my knowledge, this Report does not contain any untrue statement
    of a material fact or omit to state a material fact necessary to make the
    statements made, in light of the circumstances under which  such statements
    were made, not misleading with respect to the period covered by this Report;

3.  Based on my knowledge, the financial statements, and other financial
    information included in this   Report, fairly present in all material
    respects the financial condition, results of operations and cash flows of
    the registrant as of, and for, the periods presented in this Report.

4.  The registrant's other certifying officer and I are responsible for
    establishing and maintaining disclosure controls and procedures (as defined
    in Exchange Act Rules 13a-14 and 15d-14) for the registrant and have:

    a)  designed such disclosure controls and procedures to ensure that material
        information relating to the registrant, including its consolidated
        subsidiaries, is made known to us by others within those entities,
        particularly during the period in which this annual report is being
        prepared;

    b)  evaluated the effectiveness of the registrant's disclosure controls and
        procedures as of a date within 90 days prior to the filing date of this
        annual report (the "Evaluation Date"); and

    c)  presented in this annual report our conclusions about the effectiveness
        of the disclosure controls and procedures based on our evaluation as of
        the Evaluation Date;


5.  The registrant's other certifying officer and I have disclosed, based on
    our most recent evaluation, to the registrant's auditors and the audit
    committee of registrant's board of directors (or persons performing the
    equivalent functions):

    a)  all significant deficiencies in the design or operation of internal
        controls which could adversely affect the registrant's ability to
        record, process, summarize and report financial data and have
        identified for the registrant's auditors any material weaknesses in
        internal controls; and

    b)  any fraud, whether or not material, that involves management or other
        employees who have a significant role in the registrant's internal
        controls, and

6.  The registrant's other certifying officer and I have indicated in this
    annual report whether there were  significant changes in internal controls
    or in other factors that could significantly affect internal controls
    subsequent to the date of our most recent evaluation, including any
    corrective actions with regard to significant deficiencies and material
    weaknesses.

April 16, 2003                            /s/ J. Patrick McGoldrick
                                          -----------------------------
                                          J. PATRICK MCGOLDRICK
                                         Chief Executive Officer



         CERTIFICATIONS PURSUANT TO RULE 13a-14 UNDER THE SECURITIES
                      EXCHANGE ACT OF 1934, AS AMENDED

    I, Geraldine Bolen, Chief Financial Officer, certify that:

1.  I have reviewed this Amendment to Form 10-KSB of Rivoli Bancorp, Inc.
    (the "Report");

2.  Based on my knowledge, this Report does not contain any untrue statement
    of a material fact or omit to state a material fact necessary to make the
    statements made, in light of the circumstances under which such statements
    were made, not misleading with respect to the period covered by this Report;

3.  Based on my knowledge, the financial statements, and other financial
    information included in this Report, fairly present in all material respects
    the financial condition, results of operations and cash flows of the
    registrant as of, and for, the periods presented in this Report.

4.  The registrant's other certifying officer and I are responsible for
    establishing and maintaining disclosure controls and procedures (as defined
    in Exchange Act Rules 13a-14 and 15d-14) for the registrant and have:

    a)  designed such disclosure controls and procedures to ensure that material
        information relating to the registrant, including its consolidated
        subsidiaries, is made known to us by others within those entities,
        particularly during the period in which this annual report is being
        prepared;

    b)  evaluated the effectiveness of the registrant's disclosure controls
        and procedures as of a date within 90 days prior to the filing date
        of this annual report (the "Evaluation Date"); and

    c)  presented in this annual report our conclusions about the effectiveness
        of the disclosure controls and procedures based on our evaluation as
        of the Evaluation Date;

5.  The registrant's other certifying officer and I have disclosed, based on
    our most recent evaluation, to the registrant's auditors and the audit
    committee of registrant's board of directors (or persons performing the
    equivalent functions):

    a)  all significant deficiencies in the design or operation of internal
        controls which could adversely affect the registrant's ability to
        record, process, summarize and report financial data and have
        identified for the registrant's auditors any material weaknesses in
        internal controls; and

    b)  any fraud, whether or not material, that involves management or other
        employees who have a significant role in the registrant's internal
        controls, and

6.  The registrant's other certifying officer and I have indicated in this
    annual report whether there were  significant changes in internal controls
    or in other factors that could significantly affect internal controls
    subsequent to the date of our most recent evaluation, including any
    corrective actions with regard to significant deficiencies and material
    weaknesses.

April 16, 2003                            /s/ Geraldine Bolen
                                          -----------------------------
                                          GERALDINE BOLEN
                                          Chief Financial Officer



                                  EXHIBIT INDEX
                                  -------------

     The following exhibits are filed with or incorporated by reference into
this report.  The exhibits denominated by "*" were previously filed as a part
of, and are hereby incorporated by reference to, the indicated filings.

Exhibit No.  Description of Exhibit
-----------  ----------------------

  *  3.1     Articles of Incorporation of the Company (Filed as Exhibit 3.1 to
             the Current Report on Form 8-K (File No. 000-49691), filed  with
             the Commission on March 14, 2002)

  *  3.2     Bylaws of the Company (Filed as Exhibit 3.2 to the Current Report
             on Form 8-K (File No. 000-49691), filed with the Commission on
             March 14, 2002)

  *  4.1     Specimen Common Stock Certificate (Filed as Exhibit 4.1 to the
             Annual Report on Form 10-KSB (File No. 000-49691), filed with the
             Commission on April 1, 2002)

  * 10.1     1998 Stock Option Plan (Filed as Exhibit 10.1 to the Annual Report
             on Form 10-KSB (File No. 000-49691), filed with the Commission on
             April 1, 2002)

  * 10.2     Form of Incentive Stock Option Agreement (Filed as Exhibit 10.2 to
             the Annual Report on Form 10-KSB (File No. 000-49691), filed with
             the Commission on April 1, 2002)

  * 10.3     Form of Nonqualifying Stock Option Agreement (Filed as Exhibit 10.3
             to the Annual Report on Form 10-KSB (File No. 000-49691), filed
             with the Commission on April 1, 2002)

  * 10.4     Employment Agreement with J. Patrick McGoldrick (Filed as Exhibit
             10.4 to the Annual Report on Form 10-KSB (File No. 000- 49691),
             filed with the Commission on April 1, 2002)

  * 21.1     Subsidiaries of the Registrant (previously filed on March 31, 2003
             as Exhibit 21.1 to the Form 10-KSB amended hereby)

    99.1     Financial Statements

    99.2     Certification of CEO and CFO