8-K

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION

Washington, DC 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934

Date of report (Date of earliest event reported): March 15, 2005

RIVER VALLEY BANCORP
(Exact Name of Registrant as Specified in Its Charter)

INDIANA
(State or Other Jurisdiction
of Incorporation) 000-21765
(Commission File Number) 35-1984567
(IRS Employer
Identification No.)

430 Clifty Drive, P.O. Box 1590, Madison Indiana
(Address of Principal Executive Offices) 47250-0590
(Zip Code)

(812) 273-4949
(Registrant’s Telephone Number, Including Area Code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

[   ]  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

[   ]  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

[   ]  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

[   ]  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

ITEM 8.01   OTHER EVENTS.

        On March 15, 2005, River Valley Bancorp issued a press release announcing that the Board of Directors had declared a cash dividend of $0.19 per common share for the quarter ending March 31, 2005. The dividend is payable to shareholders of record on March 31, 2005. The press release is attached as Exhibit 99.1 to this Current Report on Form 8-K.

ITEM 9.01   FINANCIAL STATEMENTS AND EXHIBITS.

(c) Exhibits
99.1	Press Release dated March 15, 2005.

SIGNATURES

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

Date: April 5, 2005

By:  /s/ Larry C. Fouse
        ——————————————
         Larry C. Fouse, Treasurer and
         Chief Financial Officer

EXHIBIT INDEX

Exhibit Number	Exhibit Description
99.1	Press Release dated March 15, 2005.

EX-99.1

Exhibit 99.1

River Valley Bancorp Announces Quarterly Dividend

For Immediate Release
Tuesday, March 15, 2005

Contact: Matthew P. Forrester — President, CEO
River Valley Bancorp
(812) 273-4949

Madison, Indiana-River Valley Bancorp ( NASDAQ Small Cap Symbol “RIVR”), an Indiana corporation (the “Corporation”) and holding company for River Valley Financial Bank, based in Madison, Indiana announced today that it has declared a cash dividend of $0.19 per share of its Common Stock for the quarter ending March 31, 2005. The annualized rate of the dividend reflects $0.76 per share.

The dividend record date will be as of March 31, 2005 and will be payable on April 15, 2005. This dividend represents the thirty-second consecutive dividend paid by the Corporation.

River Valley Bancorp/River Valley Financial Bank is based in Madison, Indiana and has six locations in the Madison, Hanover, and Charlestown, Indiana area. A seventh office is located in Carrollton, KY.