**SECURITIES        AND EXCHANGE COMMISSION**

**WASHINGTON,        D.C. 20549**

**FORM        10-Q**

| [X] | QUARTERLY                  REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES  |
|-----|-------------------------------------------------------------------------------------------|

|   | EXCHANGE                  ACT OF 1934 FOR THE QUARTERLY PERIOD ENDED MARCH 31, 2006                  OR |
|--------|---------------------------------------------------------------------------------------------------------|

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

|   | EXCHANGE                  ACT OF 1934 FOR THE TRANSITION PERIOD FROM _____                  TO_____ |
|--------|-----------------------------------------------------------------------------------------------------|

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

----

|                                         | Page                    No.                                                                                                 |
|----------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------|
|                                         |                                                                                                                        |
| FORWARD                    LOOKING STATEMENT | 3                                                                                                                           |
|                                         |                                                                                                                        |   |
| PART                    I.                   | FINANCIAL                    INFORMATION                                                                                    |   |
|                                         |                                                                                                                        |   |
| Item                    1.                   | Financial                    Statements                                                                                     |   |
|                                         |                                                                                                                        |   |
|                                         | Consolidated                    Condensed Balance Sheets                                                                    | 3 |
|                                         |                                                                                                                        |   |
|                                         | Consolidated                    Condensed Statements of Income                                                              | 4 |
|                                         |                                                                                                                        |   |
|                                         | Consolidated                    Condensed Statements of Comprehensive Income                                                | 5 |
|                                         |                                                                                                                        |   |
|                                         | Consolidated                    Condensed Statement of Shareholders’ Equity                                           | 5 |
|                                         |                                                                                                                        |   |
|                                         | Consolidated                    Condensed Statements 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 | 10 |
|                                         |                                                                                                                        |   |
| Item                    3.                   | Quantitative                    and Qualitative Disclosure about Market Risk                                                | 14 |
|                                         |                                                                                                                        |   |
| Item                    4.                   | Controls                    and Procedures                                                                                  | 14 |
|                                         |                                                                                                                        |   |
| PART                    II.                  | OTHER                    INFORMATION                                                                                        |   |
|                                         |                                                                                                                        |   |
| Item                    1.                   | Legal                    Proceedings                                                                                        | 14 |
| Item                    1A.                  | Risk                    Factors                                                                                             | 14 |
| Item                    2.                   | Unregistered                    Sales of Equity Securities and Use of Proceeds                                              | 14 |
| Item                    3.                   | Defaults                    Upon Senior Securities                                                                          | 14 |
| Item                    4.                   | Submission                    of Matters to a Vote of Security Holders                                                      | 14 |
| Item                    5.                   | Other                    Information                                                                                        | 16 |
| Item                    6.                   | Exhibits                                                                                                                    | 16 |
|                                         |                                                                                                                        |   |
| SIGNATURES                                   | 17                                                                                                                          |
|                                         |                                                                                                                        |   |
| EXHIBIT                    INDEX             | 18                                                                                                                          |

----

**Item        1. Financial Statements **

**RIVER        VALLEY BANCORP**

|                                                                                      |   | March                  31,2006                        |    | December                  31,2005 |   |
|-------------------------------------------------------------------------------------------|--------|-------------------------------------------------------|---------|-----------------------------------|--------|
|                                                                                      |   | (In                  Thousands, Except Share Amounts) |    |
|                                                                                      |   | (Unaudited)                                           |    |                              |   |
| **Assets**                                                                                |   |                                                  |    |                              |   |
| Cash                  and due from banks                                                  |   | $                                                     | 6,395   |                              | $      | 4,749 |   |
| Interest-bearing                  demand deposits                                         |   |                                                  | 184     |                              |   | 12,933 |   |
| Fed                  funds sold                                                           |   |                                                  | 431     |                              |   | 48 |   |
| Cash                  and cash equivalents                                                |   |                                                  | 7,010   |                              |   | 17,730 |   |
| Investment                  securities available for sale                                 |   |                                                  | 61,951  |                              |   | 59,609 |   |
| Loans                                                                                     |   |                                                  | 234,112 |                              |   | 232,044 |   |
| Allowance                  for loan losses                                                |   |                                                  | 2,373   |                              |   | 2,320 |   |
| Net                  Loans                                                                |   |                                                  | 231,739 |                              |   | 229,724 |   |
| Premises                  and equipment                                                   |   |                                                  | 8,127   |                              |   | 8,189 |   |
| Federal                  Home Loan Bank stock                                             |   |                                                  | 4,050   |                              |   | 4,050 |   |
| Interest                  receivable                                                      |   |                                                  | 1,899   |                              |   | 2,060 |   |
| Cash                  value of life insurance                                             |   |                                                  | 5,570   |                              |   | 5,523 |   |
| Other                  assets                                                             |   |                                                  | 2,362   |                              |   | 1,863 |   |
| Total                  assets                                                             |   | $                                                     | 322,708 |                              | $      | 328,748 |   |
|                                                                                      |   |                                                  |    |                              |   |   |   |
| **Liabilities**                                                                           |   |                                                  |    |                              |   |   |   |
| Deposits                                                                                  |   |                                                  |    |                              |   |   |   |
| Noninterest-bearing                                                                       |   | $                                                     | 19,646  |                              | $      | 19,270 |   |
| Interest-bearing                                                                          |   |                                                  | 195,596 |                              |   | 187,463 |   |
| Total                  deposits                                                           |   |                                                  | 215,242 |                              |   | 206,733 |   |
| Borrowings                                                                                |   |                                                  | 82,217  |                              |   | 96,782 |   |
| Interest                  payable                                                         |   |                                                  | 859     |                              |   | 554 |   |
| Other                  liabilities                                                        |   |                                                  | 1,234   |                              |   | 1,661 |   |
| Total                  liabilities                                                        |   |                                                  | 299,552 |                              |   | 305,730 |   |
|                                                                                      |   |                                                  |    |                              |   |   |   |
| **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 - 1,600,779                  and 1,586,495 shares |   |                                                  |    |                              |   |   |   |
| Additional                  paid-in capital                                               |   |                                                  | 9,110   |                              |   | 8,973 |   |
| Retained                  earnings                                                        |   |                                                  | 14,600  |                              |   | 14,663 |   |
| Shares                  acquired by stock benefit plans                                   |   |                                                  | 0       |                              |   | (152 | ) |
| Accumulated                  other comprehensive income                                   |   |                                                  | (554    | )                                 |   | (466 | ) |
| Total                  shareholders’ equity                                         |   |                                                  | 23,156  |                              |   | 23,018 |   |
|                                                                                      |   |                                                  |    |                              |   |   |   |
| Total                  liabilities and shareholders’ equity                         |   | $                                                     | 322,708 |                              | $      | 328,748 |   |

----

**RIVER        VALLEY BANCORP **

|                                                                 |   | Three                  Months Ended                   |   |
|----------------------------------------------------------------------|--------|-------------------------------------------------------|--------|
|                                                                 |   | March                  31                             |   |
|                                                                 |   | 2006                                                  |   | 2005 |   |
|                                                                 |   | (In                  Thousands, Except Share Amounts) |   |
| Interest                  Income                                     |   |                                                  |   |   |   |
| Loans                  receivable                                    |   | $                                                     | 3,706  |   | $ | 3,409 |   |
| Investment                  securities                               |   |                                                  | 592    |   |   | 312 |   |
| Interest-earning                  deposits and other                 |   |                                                  | 146    |   |   | 64 |   |
| Total                  interest income                               |   |                                                  | 4,444  |   |   | 3,785 |   |
|                                                                 |   |                                                  |   |   |   |   |   |
| Interest                  Expense                                    |   |                                                  |   |   |   |   |   |
| Deposits                                                             |   |                                                  | 1,515  |   |   | 791 |   |
| Borrowings                                                           |   |                                                  | 983    |   |   | 1,002 |   |
| Total                  interest expense                              |   |                                                  | 2,498  |   |   | 1,793 |   |
|                                                                 |   |                                                  |   |   |   |   |   |
| Net                  Interest Income                                 |   |                                                  | 1,946  |   |   | 1,992 |   |
| Provision                  for loan losses                           |   |                                                  | 84     |   |   | 72 |   |
| Net                  Interest Income After Provision for Loan Losses |   |                                                  | 1,862  |   |   | 1,920 |   |
|                                                                 |   |                                                  |   |   |   |   |   |
| Other                  Income                                        |   |                                                  |   |   |   |   |   |
| Service                  fees and charges                            |   |                                                  | 475    |   |   | 428 |   |
| Net                  gains on loan sales                             |   |                                                  | 22     |   |   | 67 |   |
| Other                  income                                        |   |                                                  | 75     |   |   | 80 |   |
| Total                  other income                                  |   |                                                  | 572    |   |   | 575 |   |
|                                                                 |   |                                                  |   |   |   |   |   |
| Other                  Expenses                                      |   |                                                  |   |   |   |   |   |
| Salaries                  and employee benefits                      |   |                                                  | 985    |   |   | 929 |   |
| Net                  occupancy and equipment expenses                |   |                                                  | 293    |   |   | 278 |   |
| Data                  processing fees                                |   |                                                  | 30     |   |   | 26 |   |
| Advertising                                                          |   |                                                  | 55     |   |   | 61 |   |
| Legal                  and professional fees                         |   |                                                  | 36     |   |   | 56 |   |
| Other                  expenses                                      |   |                                                  | 451    |   |   | 265 |   |
| Total                  other expenses                                |   |                                                  | 1,850  |   |   | 1,615 |   |
|                                                                 |   |                                                  |   |   |   |   |   |
| Income                  Before Income Tax                            |   |                                                  | 584    |   |   | 880 |   |
| Income                  tax expense                                  |   |                                                  | 181    |   |   | 365 |   |
|                                                                 |   |                                                  |   |   |   |   |   |
| Net                  Income                                          |   | $                                                     | 403    |   | $ | 515 |   |
|                                                                 |   |                                                  |   |   |   |   |   |
| Basic                  earnings per share                            |   | $                                                     | .25    |   | $ | .33 |   |
| Diluted                  earnings per share                          |   |                                                  | .25    |   |   | .31 |   |
| Dividends                  per share                                 |   |                                                  | .195   |   |   | .19 |   |

----

**RIVER        VALLEY BANCORP**

|                                                                                                                                                  |   | Three                  Months EndedMarch                  31, |   |
|-------------------------------------------------------------------------------------------------------------------------------------------------------|--------|---------------------------------------------------------------|--------|
|                                                                                                                                                  |   | 2006                                                          |   | 2005 |   |
|                                                                                                                                                  |   | (In                  Thousands)                               |   |
|                                                                                                                                                  |   |                                                          |   |   |   |
| Net                  income                                                                                                                           |   | $                                                             | 403    |   | $ | 515 |   |
|                                                                                                                                                  |   |                                                          |   |   |   |   |   |
| Unrealized                  losses on securities available for sale                                                                                   |   |                                                          |   |   |   |   |   |
| Unrealized                  holding losses arising during the period, net of tax benefit (expense)                  of                  $(2) and $130 |   |                                                          | (88    | ) |   | (197 | ) |
| Comprehensive                  income                                                                                                                 |   | $                                                             | 315    |   | $ | 318 |   |

----

**RIVER        VALLEY BANCORP**

|                                                                                                                      |   | Three                  Months Ended |    |
|---------------------------------------------------------------------------------------------------------------------------|--------|-------------------------------------|---------|
|                                                                                                                      |   | March                  31,          |    |
|                                                                                                                      |   | 2006                                |    | 2005 |   |
|                                                                                                                      |   | (In                  Thousands)     |    |
| Operating                  Activities                                                                                     |   |                                |    |   |   |
| Net                  income                                                                                               |   |                                | 403     |   |   | 515 |   |
| Adjustments                  to reconcile net income to net cash provided (used) by operating                  activities |   |                                |    |   |   |   |   |
| Provision                  for loan losses                                                                                |   |                                | 84      |   |   | 72 |   |
| Depreciation                  and amortization                                                                            |   |                                | 159     |   |   | 142 |   |
| Loans                  originated for sale in the secondary market                                                        |   |                                | (1,082  | ) |   | (2,942 | ) |
| Proceeds                  from sale of loans in the secondary market                                                      |   |                                | 1,091   |   |   | 3,306 |   |
| Gain                  on sale of loans                                                                                    |   |                                | (22     | ) |   | (67 | ) |
| Amortization                  of deferred loan origination cost                                                           |   |                                | 39      |   |   | 23 |   |
| Amortization                  of expense related to stock benefit plans                                                   |   |                                | 0       |   |   | 80 |   |
| Net                  change in:                                                                                           |   |                                |    |   |   |   |   |
| Interest                  receivable                                                                                      |   |                                | 161     |   |   | (69 | ) |
| Interest                  payable                                                                                         |   |                                | 305     |   |   | 74 |   |
| Other                  adjustments                                                                                        |   |                                | (1,182  | ) |   | 579 |   |
| Net                  cash provided by (used in) operating activities                                                      |   |                                | (44     | ) |   | 1,713 |   |
|                                                                                                                      |   |                                |    |   |   |   |   |
| Investing                  Activities                                                                                     |   |                                |    |   |   |   |   |
| Purchases                  of securities available for sale                                                               |   |                                | (5,402  | ) |   | (18,876 | ) |
| Proceeds                  from maturities of securities available for sale                                                |   |                                | 3,005   |   |   | 2,001 |   |
| Net                  change in loans                                                                                      |   |                                | (2,365  | ) |   | 69 |   |
| Purchase                  of FHLB stock                                                                                   |   |                                | 0       |   |   | (419 | ) |
| Proceeds                  from sale of foreclosed real estate                                                             |   |                                | 372     |   |   | 0 |   |
| Purchases                  of premises and equipment                                                                      |   |                                | (97     | ) |   | (733 | ) |
| Net                  cash used in investing activities                                                                    |   |                                | (4,487  | ) |   | (17,958 | ) |
|                                                                                                                      |   |                                |    |   |   |   |   |
| Financing                  Activities                                                                                     |   |                                |    |   |   |   |   |
| Net                  change in                                                                                            |   |                                |    |   |   |   |   |
| Non-interest                  bearing, interest-bearing demand and savings deposits                                       |   |                                | 11,749  |   |   | 825 |   |
| Certificates                  of deposit                                                                                  |   |                                | (3,240  | ) |   | 6,136 |   |
| Short-term                  borrowings                                                                                    |   |                                | (14,565 | ) |   | (3,793 | ) |
| Proceeds                  from borrowings                                                                                 |   |                                | 0       |   |   | 11,000 |   |
| Repayment                  of borrowings                                                                                  |   |                                | 0       |   |   | (2,000 | ) |
| Cash                  dividends                                                                                           |   |                                | (311    | ) |   | (299 | ) |
| Proceeds                  from exercise of stock options                                                                  |   |                                | 104     |   |   | 4 |   |
| Excess                  tax benefit on stock options exercised                                                            |   |                                | 32      |   |   | 0 |   |
| Advances                  by borrowers for taxes and insurance                                                            |   |                                | 42      |   |   | 30 |   |
| Net                  cash used in financing activities                                                                    |   |                                | (6,189  | ) |   | 11,903 |   |
|                                                                                                                      |   |                                |    |   |   |   |   |
| Net                  Change in Cash and Cash Equivalents                                                                  |   |                                | (10,720 | ) |   | (4,342 | ) |
|                                                                                                                      |   |                                |    |   |   |   |   |
| Cash                  and Cash Equivalents, Beginning of Period                                                           |   |                                | 17,730  |   |   | 12,437 |   |
|                                                                                                                      |   |                                |    |   |   |   |   |
| Cash                  and Cash Equivalents, End of Period                                                                 |   |                                | 7,010   |   |   | 8,095 |   |
|                                                                                                                      |   |                                |    |   |   |   |   |
| Additional                  Cash Flows and Supplementary Information                                                      |   |                                |    |   |   |   |   |
| Interest                  paid                                                                                            |   |                                | 2,193   |   |   | 1,719 |   |
| Income                  tax paid                                                                                          |   |                                | 274     |   |   | -- |   |

----

**R**
**IVER        VALLEY BANCORP **

----

|                                                                             |   | Three                  Months EndedMarch                  31, 2006   |   | Three                  Months EndedMarch                  31, 2005 |   |
|----------------------------------------------------------------------------------|--------|----------------------------------------------------------------------|--------|--------------------------------------------------------------------|--------|
|                                                                             |   | Income                                                               |   | Weighted                  Average Shares                           |   | Per                  Share Amount |   | Income |   | Weighted                  Average Shares |   | Per                  Share Amount |   |
|                                                                             |   | (Dollar                  Amounts in Thousands, Except Share Amounts) |   |
| Basic                  earnings per share                                        |   |                                                                 |   |                                                               |   |   |   |   |   |   |   |   |   |
| Income                  available to common shareholders                         |   | $                                                                    | 403    |                                                               |   | 1,590,550 |   | $ | .25 |   | $ | 515 |   |   | 1,573,118 |   | $ | .33 |   |
|                                                                             |   |                                                                 |   |                                                               |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Effect                  of dilutive RRP awards and stock options                 |   |                                                                 |   |                                                               |   | 47,535 |   |   |  |   |   |   |   |   | 63,747 |   |   |  |   |
| Diluted                  earnings per share                                      |   |                                                                 |   |                                                               |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Income                  available to common shareholders and assumed conversions |   | $                                                                    | 403    |                                                               |   | 1,638,085 |   | $ | .25 |   | $ | 515 |   |   | 1,636,865 |   | $ | .31 |   |

*Accounting        for Stock Issued to Employees*
*Accounting        for Stock-Based Compensation*

----

|                                                                                                                                                                          |   | Three                    Months Ended March 31, 2005                   |   |
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|------------------------------------------------------------------------|--------|
|                                                                                                                                                                          |   | (Dollar                    Amounts in Thousands, Except Share Amounts) |   |
|                                                                                                                                                                          |   |                                                                   |   |
| Net                    income, as reported                                                                                                                                    |   | $                                                                      | 515    |   |
| Less:                    Total stock-based employee compensation cost determined under                    the fair                    value based method, net of income taxes |   |                                                                   | 5      |   |
| Pro                    forma net income                                                                                                                                       |   | $                                                                      | 510    |   |
| Earnings                    per share:                                                                                                                                        |   |                                                                   |   |   |
| Basic                    - as reported                                                                                                                                        |   |                                                                   | .33    |   |
| Basic                    - pro forma                                                                                                                                          |   |                                                                   | .32    |   |
| Diluted                    - as reported                                                                                                                                      |   |                                                                   | .31    |   |
| Diluted                    - pro forma                                                                                                                                        |   |                                                                   | .31    |   |

*Accounting        for Transfers and Servicing of Financial Assets and Extinguishments of        Liabilities,*

|   | **·** | Amortization                  method—Amortize servicing assets or servicing liabilities in proportion                  to                  and over the period of estimated net servicing income or net servicing                  loss and assess servicing assets or servicing liabilities for impairment                  or increased obligation based on fair value at each reporting date. |
|--------|------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | **·** | Fair                  value measurement method—Measure servicing assets or servicing liabilities                  at fair value at each reporting date and report changes in fair                  value in                  earnings in the period in which the changes occur. |
|--------|------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

**Item        2. Management’s Discussion and Analysis of Financial Condition and Results of        Operations **

**Forward        Looking Statements**

**Critical        Accounting Policies**

----

*Accounting        by Creditors for Impairment of a Loan.*

----

**Financial        Condition**

**Comparison        of Operating Results for the Three Months Ended March 31, 2006 and        2005**

----

----

**Other        **

**Item        3. Quantitative and Qualitative Disclosures About Market Risk**

**December            31, 2005**

|                                    | Net                      Portfolio Value    | NPV                      as % of PV of Assets |
|-----------------------------------------|---------------------------------------------|-----------------------------------------------|
| Changes                        In Rates | $                      Amount               | $                      Change                 | %Change | NPV                      Ratio | Change |
|                                    | (Dollars                      in thousands) |                                          |   |   |   |
|                                    |                                        |                                          |   |   |   |
| +300                      bp            | 42,677                                      | 1,471                                         | +4% | 12.92% | +76bp |
| +200                      bp            | 42,552                                      | 1,346                                         | +3% | 12.76% | +60bp |
| +100                      bp            | 41,998                                      | 792                                           | +2% | 12.49% | +33bp |
| 0                      bp               | 41,206                                      |                                          |   | 12.16% |   |
| -100                      bp            | 39,614                                      | (1,592)                                       | -4% | 11.62% | -54bp |
| -200                      bp            | 36,914                                      | (4,292)                                       | -10% | 10.79% | -137bp |

**December            31, 2004**

|                                    | Net                      Portfolio Value    | NPV                      as % of PV of Assets |
|-----------------------------------------|---------------------------------------------|-----------------------------------------------|
| Changes                        In Rates | $                      Amount               | $                      Change                 | %Change | NPV                      Ratio | Change |
|                                    | (Dollars                      in thousands) |                                          |   |   |   |
|                                    |                                        |                                          |   |   |   |
| +300                      bp            | 37,924                                      | 1,412                                         | +4% | 13.10% | +80bp |
| +200                      bp            | 38,152                                      | 1,639                                         | +4% | 13.05% | +75bp |
| +100                      bp            | 37,743                                      | 1,231                                         | +3% | 12.80% | +50bp |
| 0                      bp               | 36,512                                      |                                          |   | 12.30% |   |
| -100                      bp            | 34,410                                      | (2,103)                                       | -6% | 11.54% | -76bp |

----

**Item        4.**
**Controls        and Procedures**

----

**PART        II. OTHER INFORMATION **

| Item                  1.  | Legal                  Proceedings                                                                                                                                                                                                             |
|---------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                      |                                                                                                                                                                                                                                           |
|                      | Not                  Applicable.                                                                                                                                                                                                               |
|                      |                                                                                                                                                                                                                                           |
| Item                  1A. | Risk                  Factors                                                                                                                                                                                                                  |
|                      |                                                                                                                                                                                                                                           |
|                      | There                  have been no material changes with respect to the risk factors                  disclosed                  in the Corporation’s annual report on Form 10-K for the year ended                  December 31, 2005. |
|                      |                                                                                                                                                                                                                                           |
| Item                  2.  | Unregistered                  Sales of Equity Securities and Use of Proceeds                                                                                                                                                                   |
|                      |                                                                                                                                                                                                                                           |
|                      | Not                  Applicable.                                                                                                                                                                                                               |
|                      |                                                                                                                                                                                                                                           |
| Item                  3.  | Defaults                  Upon Senior Securities.                                                                                                                                                                                              |
|                      |                                                                                                                                                                                                                                           |
|                      | None.                                                                                                                                                                                                                                          |
|                      |                                                                                                                                                                                                                                           |
| Item                  4.  | Submission                  of Matters to Vote of Security Holders.                                                                                                                                                                            |
|                      |                                                                                                                                                                                                                                           |
|                      | No                  matter was submitted to a vote of the Corporation’s shareholders during                  the first quarter of 2006.                                                                                                  |
|                      |                                                                                                                                                                                                                                           |
| Item                  5.  | Other                  Information.                                                                                                                                                                                                            |
|                      |                                                                                                                                                                                                                                           |
|                      | None.                                                                                                                                                                                                                                          |
|                      |                                                                                                                                                                                                                                           |
| Item                  6.  | Exhibits                                                                                                                                                                                                                                       |

| **No.** |   | **Description**                                                                                                                                                            |
|---------|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| 31(1)   |   | CEO                  Certification required by 17 C.F.R. Section                  240.13a-14(a)                                                                            |
| 31(2)   |   | CFO                  Certification required by 17 C.F.R. Section                  240.13a-14(a)                                                                            |
| 32      |   | Certification                  pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section                  906 of                  the Sarbanes-Oxley Act of 2002. |

----

**SIGNATURES**

|                                                 | **RIVER                  VALLEY BANCORP** |
|------------------------------------------------------|-------------------------------------------|
|                                                 |                                      |   |
|                                                 |                                      |   |
| Date:   May                  12, 2006 | By:                                       | /s/Matthew                P. Forrester |
|                                                 |                                      | Matthew                  P. Forrester |
|                                                 |                                      | President                  and Chief Executive Officer |
|                                                 |                                      |   |
| Date:   May                  12, 2006 | By:                                       | /s/Larry                C. Fouse |
|                                                 |                                      | Larry                  C. Fouse |
|                                                 |                                      | Vice                  President of Finance |

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**EXHIBIT        INDEX**

| **No.** |   | **Description**                                                                                                                                                            |   | **Location** |
|---------|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|--------------|
|    |   |                                                                                                                                                                       |   |         |
| 31(1)   |   | CEO                  Certification required by 17 C.F.R. Section 240.13a-14(a)                                                                                             |   | Attached     |
| 31(2)   |   | CFO                  Certification required by 17 C.F.R. Section 240.13a-14(a)                                                                                             |   | Attached     |
| 32      |   | Certification                  pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section                  906 of                  the Sarbanes-Oxley Act of 2002. |   | Attached     |