SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                   FORM 10-QSB

                                   (Mark One)

[X]        QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
           EXCHANGE ACT OF 1934 FOR THE QUARTERLY PERIOD ENDED JUNE 30, 2001 OR

[ ]        TRANSITION REPORT  PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
           EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM TO

                         Commission file number: 0-21765

                              RIVER VALLEY BANCORP
        (Exact name of small business issuer as specified in its charter)

            Indiana                                           35-1984567
(State or other jurisdiction of                            (I.R.S. Employer
incorporation or organization)                          Identification Number)

                                430 Clifty Drive
                             Madison, Indiana 47250
                    (Address of principal executive offices)

                                 (812) 273-4949
                           (Issuer's telephone number)


                APPLICABLE ONLY TO ISSUERS INVOLVED IN BANKRUPTCY
                   PROCEEDINGS DURING THE PRECEDING FIVE YEARS

Check whether the issuer filed all documents and reports required to be filed by
Section 12, 13 or 15(d) of the Exchange Act after the distribution of securities
under a plan confirmed by a court.

Yes [  ]            No [  ]

                      APPLICABLE ONLY TO CORPORATE ISSUERS

State the number of shares outstanding of each of the issuer's classes of common
equity,  as of the  latest  practicable  date:  August 8, 2001 - 822,681  common
shares

Transitional Small Business Disclosure Format (Check one):  Yes [  ]   No [ X ]

<PAGE>

                              RIVER VALLEY BANCORP
                                   FORM 10-QSB

                                      INDEX

                                                                        Page No.
                                                                        --------
PART I.   FINANCIAL INFORMATION

Item 1.   Financial Statements

            Consolidated Condensed Balance Sheet                            3

            Consolidated Condensed Statement of Income                      4

            Consolidated Condensed Statement of Comprehensive Income        5

            Consolidated Condensed Statement of Cash Flows                  6

            Notes to Unaudited Consolidated Condensed Financial Statements  7

Item 2.   Management's Discussion and Analysis of Financial Condition
          and Results of Operations.                                        8

PART II.  OTHER INFORMATION

Item 1.   Legal Proceedings                                                12
Item 2.   Changes in Securities                                            12
Item 3.   Defaults Upon Senior Securities                                  12
Item 4.   Submission of Matters to a Vote of Security Holders              12
Item 5.   Other Information                                                12
Item 6.   Exhibits and Reports on Form 8-K                                 12

SIGNATURES                                                                 13

<PAGE>


PART I    FINANCIAL INFORMATION
Item 1.   Financial Statements
<TABLE>
<CAPTION>

                              RIVER VALLEY BANCORP
                      Consolidated Condensed Balance Sheet
                                   (Unaudited)

                                                                    June 30,           December 31,
                                                                      2001                 2000
                                                              ------------------------------------------
                                                                (In Thousands, Except Share Amounts)
<S>                                                              <C>                        <C>
Assets
   Cash and due from banks                                       $      3,498               $ 3,361
   Interest-bearing demand deposits                                     7,108                 3,021
                                                              ------------------------------------------
       Cash and cash equivalents                                       10,606                 6,382
   Investment securities available for sale                             9,318                 7,247
   Loans                                                              154,129               142,672
       Allowance for loan losses                                        1,799                 1,702
                                                              ------------------------------------------
            Net Loans                                                 152,330               140,970
   Premises and equipment                                               4,368                 2,817
   Federal Home Loan Bank stock                                         1,150                   943
   Interest receivable                                                  1,439                 1,468
   Other assets                                                         2,395                 2,303
                                                              ------------------------------------------
           Total assets                                           $   181,606              $162,130
                                                              ==========================================


 Liabilities
   Deposits
       Non-interest-bearing                                       $    12,139              $  9,170
       Interest-bearing                                               131,534               121,055
                                                              ------------------------------------------
            Total deposits                                            143,673               130,225
   Borrowings                                                          18,850                13,450
   Interest payable                                                       706                   598
   Other liabilities                                                      959                   673
                                                              ------------------------------------------
       Total liabilities                                              164,188               144,946
                                                              ------------------------------------------

 Commitments and Contingencies

 Shareholders' Equity
   Preferred stock,  without par value
       Authorized and unissued - 2,000,000 shares
   Common stock, without par value
       Authorized - 5,000,000 shares
       Issued and outstanding - 829,981 and 868,874 shares
   Additional paid-in capital                                           7,796                 8,135
   Retained earnings                                                   10,146                 9,753
   Shares acquired by stock benefit plans                                (609)                (734)
   Accumulated other comprehensive income                                  85                    30
                                                              ------------------------------------------
       Total shareholders' equity                                      17,418                17,184
                                                              ------------------------------------------

       Total liabilities and shareholders' equity                  $  181,606              $162,130
                                                              ==========================================

</TABLE>
  See notes to consolidated condensed financial statements.

<PAGE>
<TABLE>
<CAPTION>
                                                         RIVER VALLEY BANCORP
                                              Consolidated Condensed Statement of Income
                                                              (Unaudited)




                                                            Six Months Ended            Three Months Ended
                                                                June 30,                     June 30,
                                                         --------------------------------------------------------
                                                              2001          2000        2001           2000
                                                         --------------------------------------------------------
Interest Income                                                    (In Thousands, Except Share Amounts)
<S>                                                          <C>          <C>            <C>          <C>
     Loans receivable                                        $ 6,064      $ 4,782        3,100        $  2,466
     Investment securities                                       251          210          123              85
     Interest-earning deposits and other                         147          188           66              89
                                                          -------------------------------------------------------
         Total interest income                                 6,462        5,180        3,289           2,640
                                                          -------------------------------------------------------

Interest Expense
     Deposits                                                  3,002        2,373        1,501           1,214
     Borrowings                                                  447          157          244              74
                                                          -------------------------------------------------------
         Total interest expense                                3,449        2,530        1,745           1,288
                                                          -------------------------------------------------------

Net Interest Income                                            3,013        2,650        1,544           1,352
     Provision for loan losses                                   200          57           110              44
                                                          -------------------------------------------------------
Net Interest Income After Provision for Loan Losses            2,813        2,593        1,434           1,308
                                                          -------------------------------------------------------

Other Income
     Loss on investment securities                                (1)          (4)          (1)
     Service fees and charges                                    441          430          235             186
     Net gains on loan sales                                     217           24          161              12
     Other income                                                 16           76            6              51
                                                          -------------------------------------------------------
         Total other income                                      673          526          401             249
                                                          -------------------------------------------------------

Other Expenses
     Salaries and employee benefits                            1,063          995          530             481
     Net occupancy and equipment expenses                        278          287          137             153
     Data processing fees                                         84           64           41              38
     Advertising                                                  94           87           55              44
     Legal and professional fees                                  93           70           46              43
     Other expenses                                              453          346          247             157
                                                          -------------------------------------------------------
         Total other expenses                                  2,065        1,849        1,056             916
                                                          -------------------------------------------------------

Income Before Income Tax                                       1,421        1,270          779             641
     Income tax expense                                          547          483          300             235
                                                          -------------------------------------------------------

Net Income                                                   $   874      $   787       $  479        $    406
                                                          ======================================================

Basic earnings per share                                     $  1.08      $   .91       $  .60        $    .47
Diluted earnings per share                                      1.06          .91          .59             .47

</TABLE>

See notes to consolidated condensed financial statements.
<PAGE>
<TABLE>
<CAPTION>

                                                        RIVER VALLEY BANCORP
                                      Consolidated Condensed Statement of Comprehensive Income
                                                             (Unaudited)




                                                                             Six Months Ended            Three Months Ended
                                                                                 June 30,                     June 30,
                                                                       --------------------------------------------------------
                                                                           2001           2000           2001         2000
                                                                       --------------------------------------------------------
                                                                                            (In Thousands)
<S>                                                                       <C>            <C>            <C>          <C>
Net income                                                                $ 874          $ 787          $ 479        $ 406
Other comprehensive income, net of tax
      Unrealized gains on securities available for sale
          Unrealized holding gains arising during the period, net of
          tax expense of $36, $3, $7 and $0.                                 55              6             10            1
          Less: Reclassification adjustment for losses included
          in net income, net of tax benefit of $1.                                          (3)
                                                                      ---------------------------------------------------------
                                                                             55              9             10            1
                                                                      ---------------------------------------------------------
Comprehensive income                                                      $ 929          $ 796          $ 489        $ 407
                                                                      =========================================================

</TABLE>

See notes to consolidated condensed financial statements.

<PAGE>
<TABLE>
<CAPTION>
                                                        RIVER VALLEY BANCORP
                                           Consolidated Condensed Statement of Cash Flows
                                                             (Unaudited)

                                                                                                Six Months Ended
                                                                                                    June 30,
                                                                                       ----------------------------------------
                                                                                              2001                2000
                                                                                       ----------------------------------------
Operating Activities                                                                               (In Thousands)
<S>                                                                                            <C>                 <C>
   Net income                                                                                  $874                $ 787
   Adjustments to reconcile net income to net cash provided by operating activities
     Provision for loan losses                                                                  200                   57
     Depreciation and amortization                                                              169                  117
     Amortization of goodwill                                                                     3                    3
     Investment securities accretion, net                                                        (2)                 (24)
     Investment securities losses                                                                 1                    4
     Loans originated for sale in the secondary market                                      (13,953)              (1,429)
     Proceeds from sale of loans in the secondary market                                     14,036                1,443
     Gain on sale of loans                                                                      (83)                 (14)
     Amortization of deferred loan origination cost                                              70                   45
     Amortization of expense related to stock benefit plans                                     159                  120
     Gain on sale of premises and equipment                                                      (2)                 (42)
         Capitalized interest on construction                                                   (37)
     Net change in:
          Interest receivable                                                                    29                 (129)
          Interest payable                                                                      108                   68
     Other adjustments                                                                          145                  158
                                                                                       ----------------------------------------
            Net cash provided by operating activities                                         1,717                1,164
                                                                                       ----------------------------------------

Investing Activities
   Purchases of securities available for sale                                                (8,262)              (2,961)
   Proceeds from maturities of securities available for sale                                  3,156                4,919
   Proceeds from sale of securities available for sale                                        3,127                  569
   Proceeds from maturities of securities held to maturity                                                         1,204
   Purchase of Federal Home Loan Bank stock                                                    (207)
   Net change in loans                                                                      (11,630)             (13,671)
   Premiums paid on life insurance                                                              (95)                (216)
   Purchases of premises and equipment                                                       (1,683)                (129)
   Proceeds from sale of premises and equipment                                                   2                   56
                                                                                       ----------------------------------------
            Net cash used by investing activities                                           (15,592)             (10,229)
                                                                                       ----------------------------------------

Financing Activities
   Net change in
      Noninterest-bearing, interest-bearing demand and savings deposits                       9,316                 (842)
      Certificates of deposit                                                                 4,132                8,626
   Proceeds from borrowings                                                                  24,400                6,350
   Repayment of borrowings                                                                  (19,000)              (6,000)
   Cash dividends                                                                               (87)                (153)
   Purchase of stock                                                                           (686)                (606)
   Stock options exercised                                                                       15
   Advances by borrowers for taxes and insurance                                                  9                    4
                                                                                       ----------------------------------------
            Net cash provided by financing activities                                        18,099                7,379
                                                                                       ----------------------------------------

Net Change in Cash and Cash Equivalents                                                       4,224               (1,690)

Cash and Cash Equivalents, Beginning of Period                                                6,382                8,052
                                                                                       ----------------------------------------

Cash and Cash Equivalents, End of Period                                                    $10,606             $  6,362
                                                                                       ========================================

Additional Cash Flows and Supplementary Information
   Interest paid                                                                             $3,341             $  2,462
   Income tax paid                                                                              463                  386
   Investment securities held to maturity transferred to available for sale                       -                1,934

</TABLE>

  See notes to consolidated condensed financial statements.

<PAGE>

                              RIVER VALLEY BANCORP
         Notes to Unaudited Consolidated Condensed Financial Statements


River Valley Bancorp (the  "Corporation")  is a unitary savings and loan holding
company whose  activities  are  primarily  limited to holding the stock of River
Valley  Financial  Bank  ("River  Valley" or the  "Bank").  The Bank  conducts a
general banking  business in  southeastern  Indiana which consists of attracting
deposits from the general public and applying those funds to the  origination of
loans  for  consumer,   residential  and  commercial  purposes.  River  Valley's
profitability  is significantly  dependent on net interest income,  which is the
difference between interest income generated from interest-earning  assets (i.e.
loans  and  investments)  and the  interest  expense  paid  on  interest-bearing
liabilities (i.e.  customer deposits and borrowed funds). Net interest income is
affected by the relative amount of interest-earning  assets and interest-bearing
liabilities and the interest  received or paid on these  balances.  The level of
interest rates paid or received by the Bank can be significantly influenced by a
number of competitive  factors,  such as governmental  monetary policy, that are
outside of management's control.

Note 1: Basis of Presentation

The accompanying  unaudited  consolidated  condensed  financial  statements were
prepared in accordance with instructions for Form 10-QSB and, therefore,  do not
include  information  or  footnotes  necessary  for a complete  presentation  of
financial  position,  results of operations  and cash flows in  conformity  with
generally  accepted   accounting   principles.   Accordingly,   these  financial
statements  should  be read  in  conjunction  with  the  consolidated  financial
statements and notes thereto of the Corporation included in the Annual Report on
Form 10-KSB for the year ended  December  31, 2000.  However,  in the opinion of
management, all adjustments (consisting of only normal recurring accruals) which
are necessary for a fair  presentation  of the  financial  statements  have been
included.  The results of operations for the six- and three-month  periods ended
June 30,  2001,  are not  necessarily  indicative  of the  results  which may be
expected for the entire year.

Note 2: Principles of Consolidation

The consolidated  financial  statements  include the accounts of the Corporation
and its subsidiary,  the Bank and the Bank's  subsidiary,  Madison First Service
Corporation  ("First  Service").   All  significant  intercompany  balances  and
transactions  have been eliminated in the  accompanying  consolidated  financial
statements.

Note 3: Earnings Per Share

Earnings per share have been  computed  based upon the weighted  average  common
shares  outstanding.  Unearned  Employee  Stock  Ownership Plan shares have been
excluded from the computation of average common shares outstanding.


<PAGE>
<TABLE>
<CAPTION>
                                              Six Months Ended                               Six Months Ended
                                                June 30, 2001                                  June 30, 2000
                                                -------------                                  -------------
                                                  Weighted          Per                            Weighted        Per
                                                   Average         Share                            Average       Share
                                      Income       Shares          Amount           Income          Shares        Amount
                                      ------       ------          ------           ------          ------        ------
                                                              (In Thousands, Except Share Amounts)
<S>                                    <C>         <C>             <C>               <C>            <C>           <C>
     Basic earnings per share
       Income available to
       common shareholders            $ 874        809,254         $1.08             $787           866,000       $ .91
                                                                ===========                                     ==========

     Effect of dilutive RRP
     awards and stock options                       12,994
                                   --------------------------                ---------------------------------
     Diluted earnings per share
     Income available to  common
     shareholders and assumed
     conversions                      $ 874        822,248        $ 1.06             $787           866,000       $ .91
                                   ========================================  =============================================




                                             Three Months Ended                             Three Months Ended
                                                June 30, 2001                                  June 30, 2000
                                                -------------                                  -------------
                                                  Weighted          Per                            Weighted        Per
                                                   Average         Share                            Average       Share
                                      Income       Shares          Amount           Income          Shares        Amount
                                      ------       ------          ------           ------          ------        ------
                                                              (In Thousands, Except Share Amounts)
     Basic earnings per share
       Income available to
       common shareholders             $479        798,702         $ .60             $406           861,096       $ .47
                                                                ===========                                    ===========

     Effect of dilutive RRP
     awards and stock options                       14,135
                                   --------------------------                ---------------------------------
     Diluted earnings per share
     Income available to  common
     shareholders and assumed
     conversions                       $479        812,837         $ .59             $406           861,096       $ .47
                                   ========================================  =============================================

</TABLE>


Note 4: Reclassifications

Certain  reclassifications  have  been made to the 2000  consolidated  financial
statements to conform to the June 30, 2001 presentation.


Item 2: Management's  Discussion and Analysis of Financial Condition and Results
        of Operations.

Forward Looking Statements

This Quarterly Report on Form 10-QSB ("Form 10-QSB")  contains  statements which
constitute  forward  looking  statements  within  the  meaning  of  the  Private
Securities Litigation Reform Act of 1995. These statements appear in a number of
places in this Form 10-QSB and include statements regarding the intent,  belief,
outlook, estimate or expectations of the Corporation (as defined in the notes to
the consolidated condensed financial statements),  its directors or its officers
primarily with respect to future events and the future financial  performance of
the Corporation. Readers of this Form 10-QSB are cautioned that any such forward
looking  statements  are not  guarantees  of future  events or  performance  and
involve risks and  uncertainties,  and that actual results may differ materially
from those in the forward looking statements as a result of various factors. The
accompanying  information  contained  in this Form 10-QSB  identifies  important
factors that could cause such  differences.  These  factors  include  changes in
interest   rates;   loss  of  deposits  and  loan  demand  to  other   financial
institutions;  substantial changes in financial markets;  changes in real estate
values and the real estate market; or regulatory changes.


Financial Condition

At June 30, 2001, the Corporation's  assets totaled $181.6 million,  an increase
of $19.5  million,  or 12.0%,  from  December 31,  2000.  The increase in assets
resulted  primarily  from an increase  in net loans  receivable.  Liquid  assets
(i.e.,  cash and  interest  earning  deposits)  increased  by $4.2  million from
December  31,  2000  levels,  to a total of  $10.6  million  at June  30,  2001.
Investment  securities  increased by $2.1 million, or 28.6 %, to a total of $9.3
million at June 30, 2001. Net loans  receivable  were $152.3 million at June 30,
2001, an increase of $11.3 million,  or 8.0% from $141.0 million at December 31,
2000. These increases were funded by an increase in deposits of $13.5 million.

The  Corporation's  consolidated  allowance for loan losses totaled $1.7 million
and $1.8  million on December 31, 2000 and June 30,  2001,  respectively,  which
represented 1.2 % of total loans at both dates. Non-performing loans (defined as
loans delinquent  greater than 90 days and loans on non-accrual  status) totaled
$621,000  and  $611,000 at December  31, 2000 and June 30,  2001,  respectively.
Although  management  believes  that its  allowance  for loan losses at June 30,
2001, was adequate based upon the available facts and  circumstances,  there can
be no assurance that additions to such allowance will not be necessary in future
periods, which could negatively affect the Corporation's results of operations.

Deposits totaled $143.7 million at June 30, 2001, and increase of $13.5 million,
or 10.3 %, compared to total  deposits at December 31, 2000.  The growth for the
six-month period resulted from the marketing and interest rate strategies.

Advances  from the Federal Home Loan Bank totaled  $13.0 million at December 31,
2000 and $18.0 million on June 30, 2001. These advances had a positive effect on
the bottom line during the first and second  quarters  due to a decline in their
interest rates.  The average cost of Federal Home Loan Bank advances at June 30,
2001 was 5.56%.

Stockholders' equity totaled $17.4 at June 30, 2001, an increase of $200,000, or
1.2 % from $17.2 million at December 31, 2000. The increase  resulted  primarily
from  the  Corporation's  net  income,   offset  by  cash  dividends  and  stock
repurchases.

The Bank is required to maintain minimum  regulatory capital pursuant to federal
regulations.  At June 30,  2001,  the Bank's  regulatory  capital  exceeded  all
applicable regulatory capital requirements.

Comparison of Operating Results for the Six Months Ended June 30, 2001 and 2000

General

The  Corporation's  net income for the six months ended June 30,  2001,  totaled
$874,000,  an increase of $87,000 or 11.1% from the  $787,000  reported  for the
period  ended  June 30,  2000.  The  increase  in income in the 2001  period was
primarily  attributable to a increase in net interest income of $363,000,  which
was partially offset by an increase in the provision for loan losses of $143,000
and an increase in other expenses of $216,000.

Net Interest Income

Total  interest  income for the six months ended June 30, 2001  amounted to $6.5
million,  an increase of $1.3 million,  or 24.7%,  over the comparable period in
2000, reflecting the effects of an increase in average  interest-earning  assets
outstanding.

Interest expense on deposits increased by $629,000, or 26.5%, to a total of $3.0
million for the six months ended June 30, 2001,  due primarily to an increase in
the average  cost of  deposits,  and by an  increase  in the average  balance of
deposits  outstanding  year-to-year.  Interest  expense  on  borrowings  totaled
$447,000 for the six months ended June 30, 2001,  an increase of $290,000,  from
the comparable period in 2000. The increase resulted  primarily from an increase
in average borrowings year-to-year.

As a result of the foregoing  changes in interest  income and interest  expense,
net interest  income  increased  by $363,000 or 13.7%,  for the six months ended
June 30, 2001, as compared to the comparable  period in 2000.  This increase was
due to the increase in volume of average  interest earning assets offset in part
by the increase in average interest bearing liabilities.

Provision for Losses on Loans

A  provision  for  losses  on loans is  charged  to  income  to bring  the total
allowance for loan losses to a level considered  appropriate by management based
upon  historical  experience,  the volume and type of lending  conducted  by the
Bank, the status of past due principal and interest  payment,  general  economic
conditions,  particularly as such  conditions  relate to the Bank's market area,
and other factors related to the collectibility of the Bank's loan portfolio. As
a result of such analysis,  management  recorded a $200,000 provision for losses
on loans for the six months ended June 30, 2001,  compared to the $57,000 amount
recorded in the 2000 period.  The 2001  provision  amount was  predicated on the
increase  in the  balance  of the loan  portfolio,  coupled  with  the  level of
delinquent loans year-to-year.  While management believes that the allowance for
losses on loans is adequate at June 30, 2001, based upon the available facts and
circumstances,  there can be no assurance  that the loan loss  allowance will be
adequate to cover losses on non-performing assets in the future.

Other Income

Other income  increased by $147,000,  or 27.9% for the six months ended June 30,
2001, as compared to the same period in 2000, due primarily to the fact that the
gain  on  sale  of  loans  increased  by  $193,000.   The  Bank  sold  loans  of
approximately $14.0 million during the six months ended June 30, 2001.

Other Expense

Other expense increased by $216,000,  or 11.7%, during the six months ended June
30, 2001 as compared to the same period in 2000.  The increase was due primarily
to the increase in loan  volume/administrative  expense,  both balance sheet and
off-balance sheet volume, and general expense increases due to growth.

Income Taxes

The provision  for income taxes  totaled  $547,000 for the six months ended June
30, 2001,  an increase of $64,000,  or 13.3%,  as compared to the same period in
2000.  The  effective  tax rates  amounted to 38.5% and 38.0% for the six months
ended June 30, 2001 and 2000, respectively.

Comparison  of  Operating  Results for the Three  Months Ended June 30, 2001 and
2000

General

The Corporation's  net income for the three months ended June 30, 2001,  totaled
$479,000,  an  increase of $73,000,  or 18.0%,  from the  $406,000 of net income
reported in the  comparable  2000  period.  The increase in earnings in the 2001
period was  primarily  attributable  to an  increase in net  interest  income of
$192,000 and an increase in other income of approximately $152,000.

Net Interest Income

Total interest  income for the three months ended June 30, 2001 amounted to $3.3
million, an increase of $649,000, or 24.6%, from the comparable quarter in 2000,
reflecting  the  effects  of an  increase  in  average  interest-earning  assets
outstanding, coupled with an increase in the yield year-to-year. Interest income
on loans  totaled $3.1  million for the three  months  ended June 30,  2001,  an
increase of $634,000, or 25.7%, from the comparable 2000 quarter.

Interest expense on deposits increased by $287,000, or 23.6%, to a total of $1.5
million for the quarter ended June 30, 2001, due primarily to an increase in the
average  cost of deposits  and an  increase  in the average  balance of deposits
outstanding.  Interest  expense on  borrowings  totaled  $244,000  for the three
months ended June 30, 2001, an increase of $170,000 over the comparable  quarter
in  2000.  The  increase  resulted  from  an  increase  in  average   borrowings
outstanding from year-to-year.

As a result of the foregoing  changes in interest  income and interest  expense,
net interest income increased by $192,000,  or 14.2%, for the three months ended
June 30, 2001, as compared to the same quarter in 2000. This increase was due to
the increase in volume of average  interest  earning assets offset in part by an
increase in average interest bearing liabilities.

Provision for Losses on Loans

A  provision  for  losses on loans is  charged  to  earnings  to bring the total
allowance for loan losses to a level considered  appropriate by management based
upon  historical  experience,  the volume and type of lending  conducted  by the
Bank, the status of past due principal and interest  payments,  general economic
conditions,  particularly as such  conditions  relate to the Bank's market area,
and other factors related to the collectibility of the Bank's loan portfolio. As
a result of such analysis,  management  recorded a $110,000 provision for losses
on loan for the three  months  ended  June 30,  2001,  compared  to the  $44,000
recorded in the 2000 period.  While  management  believes that the allowance for
losses on loans is adequate at June 30, 2001, based upon the available facts and
circumstances,  there can be no assurance  that the loan loss  allowance will be
adequate to cover losses on non-performing assets in the future.

Other Income

Other income  increased by $152,000,  or 61.0%,  for the three months ended June
30, 2001, as compared to the same period in 2000, due primarily to a $49,000, or
26.3%, increase in service fees and charges coupled with an increase of $149,000
in gains on sale of loans.  The Bank sold loans of  approximately  $10.7 million
during the second quarter of 2001.

Other Expense

Other expenses  increased by $140,000,  or 15.3%,  during the three months ended
June 30,  2001,  compared  to the same  period  in 2000.  The  increase  was due
primarily to the increase in loan  volume/administrative  expense,  both balance
sheet and off-balance sheet volume, and general expense increases due to growth.

Income Taxes

The provision for income taxes totaled  $300,000 for the three months ended June
30, 2001,  an increase of $65,000,  or 27.7%,  as compared to the same period in
2000.  This increase  resulted  primarily  from an increase in net income before
income taxes of $138,000,  or 21.5%.  The effective tax rates  amounted to 38.5%
and 36.7% for the three months ended June 30, 2001 and 2000, respectively.

<PAGE>

Other

The  Securities  and  Exchange  Commission  maintains  a Web site that  contains
reports,   proxy  information   statements,   and  other  information  regarding
registrants  that  file  electronically  with  the  Commission,   including  the
Corporation. The address is http://www.sec.gov.



PART II.  OTHER INFORMATION

Item 1.   Legal Proceedings.

          None.

Item 2.   Changes in Securities and Use of Proceeds.

          None.

Item 3.   Defaults Upon Senior Securities.

          None.

Item 4.   Submission of Matters to Vote of Security Holders.

          On April 18, 2001, the Annul Meeting of the Corporation's shareholders
          was held.  Three  directors were elected to the following terms and by
          the following votes:

                                                     For          Votes Withheld
                                                     ---          --------------
          Jonnie L. Davis (three-year term)         719,675            87,525
          Charles J. McKay (three-year term)        720,519            86,681
          Earl W. Johann (one-year term)            720,523            86,677

          Directors  continuing  in  office  are  Michael  J.  Hensley,  Fred W.
          Koehler, Robert W. Anger and Matthew P. Forrester.


Item 5.   Other Information.

          None.

Item 6.   Exhibits and Reports on Form 8-K.

               (a)  No reports on Form 8-K were filed  during the quarter  ended
                    June 30, 2001.


<PAGE>


                                   Signatures

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended,
the  Issuer  has duly  caused  this  report to be  signed  on its  behalf by the
undersigned thereunto duly authorized.

                                       RIVER VALLEY BANCORP

Date:     August 13, 2001              By: /s/ Matthew P. Forrester
                                       -----------------------------------------
                                           Matthew P. Forrester
                                           President and Chief Executive Officer

Date:     August  13, 2001             By: /s/ Larry C. Fouse
                                       -----------------------------------------
                                           Larry C. Fouse
                                           Vice President of Finance