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<link:definition>025 - Disclosure - DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS - Fair value measurements of assets and liabilities on a nonrecurring basis (Details 3)</link:definition>
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<link:definition>026 - Disclosure - DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS - Quantitative information about Level 3 fair value measurements (Details 4)</link:definition>
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<link:definition>027 - Disclosure - DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS - Estimated fair values of the Corporation's financial instruments and the level within the fair value hierarchy (Details 5)</link:definition>
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<link:definition>028 - Disclosure - INVESTMENT SECURITIES - amortized cost and approximate fair values of securities (Details)</link:definition>
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<link:definition>033 - Disclosure - LOANS AND ALLOWANCE - breakdown of loans (Details)</link:definition>
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<link:definition>034 - Disclosure - LOANS AND ALLOWANCE - the activity in the allowance for loan losses (Details 1)</link:definition>
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<link:definition>035 - Disclosure - LOANS AND ALLOWANCE - the activity in the allowance for loan losses (Details 2)</link:definition>
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<link:usedOn>link:definitionLink</link:usedOn>
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<link:definition>036 - Disclosure - LOANS AND ALLOWANCE - credit risk profile of the Corporation's loan portfolio based on rating category (Details 3)</link:definition>
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<link:definition>039 - Disclosure - LOANS AND ALLOWANCE - principal balances and specific valuation allocations for impaired loans (Details 6)</link:definition>
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<link:definition>040 - Disclosure - LOANS AND ALLOWANCE - information related to the average recorded investment and interest income recognized on impaired loans (Details 7)</link:definition>
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<link:definition>041 - Disclosure - LOANS AND ALLOWANCE - troubled debt restructurings by class (Details 8)</link:definition>
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<link:definition>042 - Disclosure - LOANS AND ALLOWANCE (Detail Textuals)</link:definition>
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<link:definition>043 - Disclosure - BUSINESS ACQUISITION (Detail Textuals)</link:definition>
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<link:usedOn>link:definitionLink</link:usedOn>
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<import namespace="http://www.xbrl.org/2009/role/net" schemaLocation="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd"/>
<import namespace="http://www.xbrl.org/2009/arcrole/fact-explanatoryFact" schemaLocation="http://www.xbrl.org/lrr/arcrole/factExplanatory-2009-12-16.xsd"/>
<import namespace="http://xbrl.sec.gov/dei/2012-01-31" schemaLocation="http://xbrl.sec.gov/dei/2012/dei-2012-01-31.xsd"/>
<import namespace="http://www.xbrl.org/dtr/type/numeric" schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd"/>
<import namespace="http://www.xbrl.org/dtr/type/non-numeric" schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd"/>
<import namespace="http://fasb.org/us-types/2012-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2012/elts/us-types-2012-01-31.xsd"/>
<element name="DocumentAndEntityInformationAbstract" id="rivr_DocumentAndEntityInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="CashAndDueFromBanksOne" id="rivr_CashAndDueFromBanksOne" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="AccumulatedOtherComprehensiveIncomeLossNetOfTaxOne" id="rivr_AccumulatedOtherComprehensiveIncomeLossNetOfTaxOne" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="InterestEarningDepositsAndOtherInterestIncome" id="rivr_InterestEarningDepositsAndOtherInterestIncome" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="ServiceFeesAndCharges" id="rivr_ServiceFeesAndCharges" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="InterchangeFeeIncome" id="rivr_InterchangeFeeIncome" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="AcquisitionExpense" id="rivr_AcquisitionExpense" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="LossOnPremisesEquipmentAndRealEstateHeldForSale" id="rivr_LossOnPremisesEquipmentAndRealEstateHeldForSale" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="IncreaseDecreaseInCertificateOfDeposits" id="rivr_IncreaseDecreaseInCertificateOfDeposits" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="ProceedsOnAdvancesByBorrowersForTaxesAndInsurance" id="rivr_ProceedsOnAdvancesByBorrowersForTaxesAndInsurance" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="PrinciplesOfConsolidationAbstract" id="rivr_PrinciplesOfConsolidationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="ReclassificationsAbstract" id="rivr_ReclassificationsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="ScheduleOfMaturitiesOfDebtSecuritiesTableTextBlock" id="rivr_ScheduleOfMaturitiesOfDebtSecuritiesTableTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="ImpairedAverageRecordedInvestmentAndInterestIncomeRecognizedTableTextBlock" id="rivr_ImpairedAverageRecordedInvestmentAndInterestIncomeRecognizedTableTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetAccretion" id="rivr_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetAccretion" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLossIncludedInNetIncomeLoss" id="rivr_FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLossIncludedInNetIncomeLoss" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="SecuritiesReceivedOnImpairedFinancingReceivablesFairValueDisclosure" id="rivr_SecuritiesReceivedOnImpairedFinancingReceivablesFairValueDisclosure" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="SecuritiesReceivedOnImpairedFinancingReceivablesFairValueDisclosureMember" id="rivr_SecuritiesReceivedOnImpairedFinancingReceivablesFairValueDisclosureMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="RealEstateHeldForSaleMember" id="rivr_RealEstateHeldForSaleMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="FairValueInputsProbabilityOfRecoveries" id="rivr_FairValueInputsProbabilityOfRecoveries" type="num:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="AvailableForSaleSecuritiesDebtWithMaturitiesAmortizedCostBasis" id="rivr_AvailableForSaleSecuritiesDebtWithMaturitiesAmortizedCostBasis" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="AvailableForSaleSecuritiesDebtWithMaturitiesFairValue" id="rivr_AvailableForSaleSecuritiesDebtWithMaturitiesFairValue" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="PercentageOfAggregateInvestmentSecuritiesInContinuousUnrealizedLossPosition" id="rivr_PercentageOfAggregateInvestmentSecuritiesInContinuousUnrealizedLossPosition" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
<element name="PercetageOfDailyBalanceOfPublicFundsRequiredToPledge" id="rivr_PercetageOfDailyBalanceOfPublicFundsRequiredToPledge" type="num:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="AlescoMember" id="rivr_AlescoMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="PretslMember" id="rivr_PretslMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="BelowInvestmentGradeRatedInvestmentsAsPercentageOfAggregateBookValueOfInvestments" id="rivr_BelowInvestmentGradeRatedInvestmentsAsPercentageOfAggregateBookValueOfInvestments" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
<element name="BelowInvestmentGradeRatedInvestmentsAsPercentageOfAggregateMarketValueOfInvestments" id="rivr_BelowInvestmentGradeRatedInvestmentsAsPercentageOfAggregateMarketValueOfInvestments" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
<element name="OtherConstructionLoansMember" id="rivr_OtherConstructionLoansMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="OneToFourFamilyResidentialRealEstateMember" id="rivr_OneToFourFamilyResidentialRealEstateMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="MultiFamilyResidentialRealEstateMember" id="rivr_MultiFamilyResidentialRealEstateMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="NonresidentialRealEstateAndAgriculturalLandPortfolioSegmentMember" id="rivr_NonresidentialRealEstateAndAgriculturalLandPortfolioSegmentMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="LandNotUsedForAgriculturalPurposesPortfolioSegmentMember" id="rivr_LandNotUsedForAgriculturalPurposesPortfolioSegmentMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="OtherCommercialMember" id="rivr_OtherCommercialMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="ConsumerAndOtherPortfolioSegmentMember" id="rivr_ConsumerAndOtherPortfolioSegmentMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="LoansAndLeasesReceivableGrossConsumerOneToFourFamily" id="rivr_LoansAndLeasesReceivableGrossConsumerOneToFourFamily" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="LoansAndLeasesReceivableGrossConsumerMultiFamilyRealEstate" id="rivr_LoansAndLeasesReceivableGrossConsumerMultiFamilyRealEstate" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="LoansAndLeasesReceivableNonresidentialRealEstateAndAgriculturalLand" id="rivr_LoansAndLeasesReceivableNonresidentialRealEstateAndAgriculturalLand" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="LoansReceivableLandNotUsedForAgriculturalPurposesGross" id="rivr_LoansReceivableLandNotUsedForAgriculturalPurposesGross" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="LoansReceivableOtherCommercialRealEstateGross" id="rivr_LoansReceivableOtherCommercialRealEstateGross" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="FinancingReceivableModificationsNumberOfContractsDuringCurrentPeriod1" id="rivr_FinancingReceivableModificationsNumberOfContractsDuringCurrentPeriod1" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="FinancingReceivableModificationsCurrentBalanceRecordedInvestment" id="rivr_FinancingReceivableModificationsCurrentBalanceRecordedInvestment" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="FinancingReceivableModificationsPreModificationRecordedInvestmentDuringCurrentPeriod" id="rivr_FinancingReceivableModificationsPreModificationRecordedInvestmentDuringCurrentPeriod" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="FinancingRecievableModificationsPostModificationRecordedInvestmentDuringCurrentPeriod" id="rivr_FinancingRecievableModificationsPostModificationRecordedInvestmentDuringCurrentPeriod" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="SingleFamilyResidenceRealEstateOwnedMember" id="rivr_SingleFamilyResidenceRealEstateOwnedMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="PeriodOfLoanIsGenerallyClassifiedAsNonaccrual" id="rivr_PeriodOfLoanIsGenerallyClassifiedAsNonaccrual" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="NumberOfLoansRestructuredAndRefinanced" id="rivr_NumberOfLoansRestructuredAndRefinanced" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="LoansRestructuredAndRefinancedAmount" id="rivr_LoansRestructuredAndRefinancedAmount" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="NumberOfRestructuredLoansPlacedOnAmortizingScheduleForSpecifiedPeriod" id="rivr_NumberOfRestructuredLoansPlacedOnAmortizingScheduleForSpecifiedPeriod" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="LoansRestructuredAmortizing" id="rivr_LoansRestructuredAmortizing" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="LoanRefinancedWithAdditionalCollateralAndProvisionedPlacedOnAmortizingSchedule" id="rivr_LoanRefinancedWithAdditionalCollateralAndProvisionedPlacedOnAmortizingSchedule" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="NumberOfRestructuredLoansPlacedOnShortTermLowRateNotes" id="rivr_NumberOfRestructuredLoansPlacedOnShortTermLowRateNotes" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="ResidualRestructuredLoansPlacedOnShortTermLowRateNotes" id="rivr_ResidualRestructuredLoansPlacedOnShortTermLowRateNotes" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="LossOnForeclosedRealEstateOwnedSale" id="rivr_LossOnForeclosedRealEstateOwnedSale" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="FinalSellingPriceOfRestructuredLoan" id="rivr_FinalSellingPriceOfRestructuredLoan" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="NumberOfTroubledDebtRestructuredLoans" id="rivr_NumberOfTroubledDebtRestructuredLoans" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="PrincipalBalanceOfTroubledDebtRestructuring" id="rivr_PrincipalBalanceOfTroubledDebtRestructuring" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="NumberOfLoanRefinanced" id="rivr_NumberOfLoanRefinanced" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="NumberOfIndividualLoansConsolidatedProvidedSuperiorCollateralCoverageToCorporation" id="rivr_NumberOfIndividualLoansConsolidatedProvidedSuperiorCollateralCoverageToCorporation" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="RefinanceLoanValue" id="rivr_RefinanceLoanValue" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="LoanRefinanceForInvestmentProperty" id="rivr_LoanRefinanceForInvestmentProperty" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="NumberOfLoanRefinanceForInvestmentProperty" id="rivr_NumberOfLoanRefinanceForInvestmentProperty" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="DupontStateBankMember" id="rivr_DupontStateBankMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="AdditionAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" id="rivr_AdditionAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="false" nillable="true"/>
<element name="AdditionAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmountOne" id="rivr_AdditionAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmountOne" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="false" nillable="true"/>

<element name="AdditionAntidilutiveSecuritiesExcludedFromComputationOfNetIncomePerOutstandingUnitAmountOne" id="rivr_AdditionAntidilutiveSecuritiesExcludedFromComputationOfNetIncomePerOutstandingUnitAmountOne" type="num:perShareItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="false" nillable="true"/>
<element name="AdditionAntidilutiveSecuritiesExcludedFromComputationOfNetIncomePerOutstandingUnitAmount" id="rivr_AdditionAntidilutiveSecuritiesExcludedFromComputationOfNetIncomePerOutstandingUnitAmount" type="num:perShareItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="false" nillable="true"/>
</schema>
