EXHIBIT 14
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                               AMB FINANCIAL CORP.

                                 CODE OF ETHICS

I. OVERVIEW

This Code of Ethics sets forth the guiding principles by which we operate our
company and conduct our daily business with our shareholders, customers, vendors
and with each other. These principles apply to all of the directors, officers
and employees of AMB Bancshares, Inc. and all of its subsidiaries (referred to
in this Code as the "Company" or "AMB").

II. PRINCIPLES

COMPLYING WITH LAWS, REGULATIONS, POLICIES AND PROCEDURES

All directors, officers and employees of AMB are expected to understand, respect
and comply with all of the laws, regulations, policies and procedures that apply
to them in their positions with AMB. Employees are responsible for talking with
their supervisors to determine which laws, regulations and AMB policies apply to
their position and what training is necessary to understand and comply with
them.

Directors, officers and employees are directed to make available the applicable
Company policies and procedures available to the persons they supervise.

Conflicts of Interest
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All directors, officers and employees of AMB should be scrupulous in avoiding
any action or interest that conflicts with, or gives the appearance of a
conflict with, AMB's interests. A "conflict of interest" exists whenever an
individual's private interests interfere or conflict in any way (or even appear
to interfere or conflict) with the interests of AMB. A conflict situation can
arise when an employee, officer or director takes actions or has interests that
may make it difficult to perform his or her work for AMB objectively and
effectively. Conflicts of interest may also arise when a director, officer or
employee or a member of his or her family receives improper personal benefits as
a result of his or her position with AMB, whether from a third party or from
AMB. While directors, officers and employees are encouraged to utilize AMB's
products and services, this should generally be done on an arm's length basis
and in compliance with applicable law.

Conflicts of interest may not always be clear-cut, so if a questions arises, an
officer or employee should consult with higher levels of management, the Board
of Directors or company counsel. Any employee, officer or director who becomes
aware of a conflict or potential conflict should bring it to the attention of a
supervisor, manager or other appropriate personnel.

CORPORATE OPPORTUNITY

Directors, officers and employees are prohibited from (a) taking for themselves
personally opportunities that properly belong to AMB or are discovered through
the use of corporate property, information or position; (b) using corporate
property, information or position for

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personal gain; and (c) competing with the Company. Directors, officers and
employees owe a duty to AMB to advance its legitimate interests when the
opportunity to do so arises.

CONFIDENTIALITY

Directors, officers and employees must maintain the confidentiality of
confidential information entrusted to them by AMB or its suppliers or customers,
except when disclosure is specifically authorized by the Board of Directors or
required by laws, regulations or legal proceedings. Confidential information
includes all non-public information that might be material to investors or of
use to competitors of AMB or harmful to AMB or its customers or employees if
disclosed. The misappropriation of confidential information owned by the Company
for another person's use may be considered theft.

FAIR DEALING

We seek to outperform our competition fairly and honestly. We seek competitive
advantages through superior performance, never through unethical or illegal
business practices. Stealing proprietary information, possessing or utilizing
trade secret information that was obtained without the owner's consent or
inducing such disclosures by past or present employees of other companies is
prohibited.

Each director, officer and employee is expected to deal fairly with AMB's
customers, suppliers, competitors, officers and employees. No one should take
unfair advantage of anyone through manipulation, concealment, abuse of
privileged information, misrepresentation of material facts or any other unfair
dealing.

PROTECTION AND PROPER USE OF AMB FINANCIAL CORP. ASSETS

All directors, officers and employees should protect AMB's assets and ensure
their efficient use. All AMB assets should be used only for legitimate business
purposes.

PUBLIC COMPANY REPORTING

As a public company, it is of critical importance that AMB's filings with the
Securities and Exchange Commission be accurate and timely. Depending on their
position with the Company, an employee, officer or director may be called upon
to provide necessary information to assure that the Company's public reports are
complete, fair and understandable. AMB expects employees, officers and directors
to take this responsibility very seriously.

FINANCIAL STATEMENTS AND OTHER RECORDS

All of the Company's books, records, accounts and financial statements must be
maintained in reasonable detail, must appropriately reflect the Company's
transactions and must both conform to applicable legal requirements and to the
Company's system of internal controls. Unrecorded or "off the books" funds or
assets should not be maintained unless permitted by applicable law or
regulation.

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Records should always be retained or destroyed according to the Company's record
retention policies. In accordance with those policies, in the event of
litigation or governmental investigation, please consult the Board of Directors.

III. REPORTING ILLEGAL OR UNETHICAL BEHAVIOR

REPORTING ILLEGAL OR UNETHICAL BEHAVIOR

Employees, officers and directors who suspect or know of violations of this Code
or illegal or unethical business or workplace conduct by employees, officers or
directors have an obligation to contact either their supervisor or superiors. If
the individuals to whom such information is conveyed are not responsive, or if
there is reason to believe that reporting to such individuals is inappropriate
in particular cases, then the employee, officer or director may contact the
Chief Executive Officer of the Company. Such communications will be kept
confidential to the extent feasible. If the employee is still not satisfied with
the response, the employee may contact the Chairman of the Board or any of the
Company's outside directors.

ACCOUNTING COMPLAINTS

AMB's policy is to comply with all applicable financial reporting and accounting
regulations. If any director, officer or employee of the Company has unresolved
concerns or complaints regarding questionable accounting or auditing matters of
the Company, then he or she is encouraged to submit those concerns or complaints
(anonymously, confidentially or otherwise) to the Company's audit committee.
Subject to its legal duties, the audit committee and the Board will treat such
submissions confidentially. Such submissions may be directed to the attention of
the Company's audit committee, or any person who is a member of the Company's
audit committee.

NON-RETALIATION

AMB prohibits retaliation of any kind against individuals who have made good
faith reports or complaints of violations of this Code or other known or
suspected illegal or unethical conduct.

IV. AMENDMENT, MODIFICATION AND WAIVER

This code may be amended or modified by the Board of Directors of AMB. Waivers
of this Code may only be granted by the Board of Directors or a committee of the
Board with specific delegated authority. Waivers will be disclosed to
shareholders as required by the Securities Exchange Act of 1934 and the rules
thereunder and the applicable rules of the Nasdaq.

V. VIOLATIONS

Violation of this Code is grounds for disciplinary action up to and including
termination of employment. Such action is in addition to any civil or criminal
liability which might be imposed by any court or regulatory agency.


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