<PAGE>

===========================================================================

                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549


                                    FORM 8-K


                                 CURRENT REPORT


     Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934



                        Date of Report: November 3, 1999


                             REDWOOD EMPIRE BANCORP
            (Exact number of Registrant as specified in its charter)



              California               File No. 0-19231         68-0166366
   (State or other jurisdiction of  (Commission File Number)   (IRS Employer)
    Incorporated or organization)                            Identification No.)



         111 Santa Rosa Avenue, Santa Rosa, California           95404-4905
         (Address of principal executive offices)                (Zip Code)



       Registrant's telephone number, including area code: (707) 573-4800





===========================================================================


<PAGE>

Item 5.  Other Events

Press releases for the following (article attached):

      Redwood  Empire  Bancorp reports third quarter 1999 financial results.











                                   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.



            11/3/99
Date:  ___________________             REDWOOD EMPIRE BANCORP
                                            (Registrant)



                                       By:  /s/ James E. Beckwith
                                            ---------------------
                                            James E. Beckwith
                                            Executive Vice President and
                                            Chief Operating Officer


<PAGE>


                             FOR:                REDWOOD EMPIRE BANCORP

                             APPROVED BY:        James E. Beckwith
                                                 Executive Vice President and
                                                 Chief Operating Officer
                                                 (707) 522-5215
For Immediate Release




                         REDWOOD EMPIRE BANCORP REPORTS
               8% INCREASE IN THIRD QUARTER 1999 OPERATING RESULTS


     SANTA ROSA,  Calif.  (October 27, 1999) -- Redwood Empire Bancorp  (NASDAQ:
REBC) today reported  income from  continuing  operations of $1,052,000 or $0.30
per share for its third  quarter ended  September  30, 1999.  This compares with
income from continuing operations of $977,000 or $0.28 per diluted share for the
third quarter a year ago. Return on equity from continuing operations was 10.50%
in the third  quarter as compared  with  10.67% in the same  quarter a year ago.
Return on assets from  continuing  operations  was .97% in the third  quarter as
compared to .92% one year ago.

     For the nine  months  ended  September  30,  1999  income  from  continuing
operations was $3,474,000 or $1.00 per diluted share.  This compares with income
from  continuing  operations of $2,348,000 or $0.68 per diluted  share,  for the
first  nine  months  of 1998  and  represents  a 48%  increase  in  income  from
continuing operations.  "We are extremely pleased with income growth of our core
bank  operations,"  noted  Tom  Whitaker,  Chairman.  "Growing  earning  assets,
reducing  overhead costs and managing capital are our key objectives as we enter
the new millenium," said Whitaker.

     During the third  quarter of 1999 the Company  successfully  completed  the
divestiture  of its  mortgage  brokerage  and  mortgage  banking  units,  Valley
Financial and Allied  Diversified  Credit.  As a result of its  divestiture  the
Company  recorded an after-tax loss of $167,000 which is primarily  comprised of
termination benefits. The Company has disclosed the operations of these units as
well  as  the  after  tax  loss  on  disposition  as  discontinued   operations.
Accordingly,  historical  financial  information  has been recast to present the
operating  results  of  Valley  Financial  and  Allied   Diversified  Credit  as
discontinued operations.

     Net income was  $366,000 or $0.11 per diluted  share for the quarter  ended
September 30, 1999 as compared to $1,335,000 or $0.38 per diluted share one year
ago. For the nine months ended  September 30, 1999 net income was  $2,602,000 or
$0.75 per diluted  share as compared to  $3,541,000  or $1.05 for the first nine
months of 1998.


<PAGE>

     Consolidated  net interest  income from continuing  operations  amounted to
$4,973,000  in the third  quarter,  compared to $4,689,000 in the same period in
1998 which  represents  a 6% increase.  Net  interest  income for the first nine
months of 1999 was  $14,619,000  compared to $13,481,000 in 1998, an increase of
8%. The increase in net interest  income is  attributable to both an increase in
earning assets and an improvement in the net interest margin.

     The loan loss  provision was $200,000 for the quarter,  versus  $510,000 in
the same period last year. Net  charge-offs  were  $238,000,  or .30% of average
portfolio  loans for the  quarter as  compared  to  $219,000 or .31% in the same
quarter  one  year  ago.  Non-performing  assets  at  September  30,  1999  were
$7,204,000 or 1.65% of total  assets,  as compared to  non-performing  assets of
$8,911,000, or 2.11% of total assets, as of December 31, 1998, and $9,190,000 or
2.12% of total assets as of June 30, 1999.  Non-performing  assets have declined
$1,707,000 or 19% during the first nine months of 1999.

     "We again achieved  significant progress in the reduction of non-performing
assets," said Whitaker. "This continues to be a high priority for management and
staff."

     Other fee income from continuing operations amounted to $1,193,000 in the
quarter ended September 30, 1999 as compared to $1,396,000 in the same period in
1998 or a 15% decrease.

     Non interest expense from continuing  operations  amounted to $4,200,000 in
the third  quarter of 1999 as compared to $4,044,000 in the same period one year
ago.

     Total assets were $437,164,000 at quarter-end.  Common book value per share
was $11.70. The Company's Tier 1 capital to average assets ratio was 8.96% as of
September 30, 1999.

     Redwood  Empire  Bancorp is the holding  company for  National  Bank of the
Redwoods,  a commercial  bank. The Company  operates through branches in Sonoma,
Mendocino and Lake Counties.

     The statements  contained in this release,  which are not historical facts,
are  forward-looking  statements  that are  subject to risks and  uncertainties.
Actual  results  may  differ  materially  from  those set forth in or implied by
forward-looking   statements.   These  risks  are  described  in  the  Company's
Securities and Exchange Commission filings.



                               (Tables to follow)


<PAGE>

<TABLE>
                                        REDWOOD EMPIRE BANCORP AND SUBSIDIARIES
                                      CONDENSED CONSOLIDATED STATEMENT OF OPERATIONS

                          (Dollars in thousands except for earnings per share and share data)

<CAPTION>
                                                                         Three Months Ended                 Nine Months Ended
                                                                           September 30                       September 30
                                                                        1999              1998              1999            1998
<S>                                                                 <C>               <C>               <C>             <C>
Interest income                                                                          $7,811           $22,329         $23,170
                                                                        7,686
Interest expense                                                                          3,122             7,710           9,689
                                                                        2,713
Net interest income                                                     4,973             4,689            14,619          13,481
Provision for loan losses                                                 200               510               700           1,530
Net interest income after loan loss provision                           4,773             4,179            13,919          11,951
Other income                                                            1,193             1,396             3,897           3,981
Other expense                                                           4,200             4,044            12,155          12,235
Income before tax from continuing operations                            1,766             1,531             5,661           3,697
Income tax expense from continuing operations                             714               554             2,187           1,349
Income from continuing operations                                       1,052               977             3,474           2,348
Discontinued operations:
   Income/(loss) from discontinued operations
     (less applicable income taxes of ($356), $210, ($439)
     and $760)                                                          (519)               358             (429)           1,305
   Loss on disposal of discontinued operations
     (less applicable income taxes of ($113) )                          (167)                 0             (167)
   Income/(loss) from discontinued operations                           (686)               358             (596)           1,305
Net income before extraordinary item                                      366             1,335             2,878           3,653
Extraordinary item, net of tax                                              0                 0               276
Net income                                                                366             1,335             2,602           3,653
Preferred dividends                                                         0                 0                 0             112
Net income available for common                                          $366            $1,335            $2,602          $3,541

Basic earnings per share:
  Income from continuing operations                                     $0.31             $0.29             $1.03           $0.76
  Income/(loss) from discontinued operations                           (0.20)              0.11            (0.18)            0.42
  Income before extraordinary item                                       0.11              0.40              0.85            1.18
  Income after extraordinary item                                        0.11              0.40              0.77            1.18
  Weighted average shares-basic                                     3,390,000         3,369,000         3,385,000       3,101,000

Diluted earnings per share:
  Income from continuing operations                                     $0.30             $0.28             $1.00           $0.68
  Income/(loss) from discontinued operations                           (0.20)              0.10            (0.17)            0.38
  Income before extraordinary item                                       0.11              0.38              0.83            1.05
  Income after extraordinary item                                        0.11              0.38              0.75            1.05
  Weighted average shares-basic                                     3,458,000         3,486,000         3,472,000       3,465,000

Selected Ratios
Return on Average Total Equity from continuing operations             11.14 %            10.83%           12.43 %          9.13 %
Return on Average Assets from continuing operations                    1.03 %             0.93%            1.14 %           .75 %
</TABLE>

<TABLE>
                                                                        Selected Balance Sheet Data
                                                                              (In Thousands)
<CAPTION>                                                               September 30,     September 30
                                                                    1999              1998
<S>                                                                  <C>               <C>
Total Loans, including Mortgage Loans Held for Sale                  $325,219          $289,213
Allowance for Loan Loss                                                 7,963             8,221
Total Assets                                                          437,164           420,973
Total Deposits                                                        367,928           358,013
Equity Capital                                                         39,429            37,748
Nonperforming Assets                                                    7,204            10,412

</TABLE>
[{"type": "8-K", "sequence": "1", "description": "PRESS RELEASE", "secsgml_size_bytes": 13357}]
{"company-data": {"conformed-name": "REDWOOD EMPIRE BANCORP", "cik": "0000840007", "assigned-sic": "6021", "irs-number": "680166366", "state-of-incorporation": "CA", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "001-10868", "film-number": "99741090"}, "business-address": {"street1": "111 SANTA ROSA AVENUE", "city": "SANTA ROSA", "state": "CA", "zip": "95404-4905", "phone": "7075734800"}, "mail-address": {"street1": "111 SANTA ROSA AVENUE", "city": "SANTA ROSA", "state": "CA", "zip": "95404-4905"}}
===========================================================================

                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT

     Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

                        Date of Report: November 3, 1999

                             REDWOOD EMPIRE BANCORP
            (Exact number of Registrant as specified in its charter)

              California               File No. 0-19231         68-0166366
   (State or other jurisdiction of  (Commission File Number)   (IRS Employer)
    Incorporated or organization)                            Identification No.)

         111 Santa Rosa Avenue, Santa Rosa, California           95404-4905
         (Address of principal executive offices)                (Zip Code)

       Registrant's telephone number, including area code: (707) 573-4800

===========================================================================
Item 5.  Other Events

Press releases for the following (article attached):

      Redwood  Empire  Bancorp reports third quarter 1999 financial results.

                                   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.

            11/3/99
Date:  ___________________             REDWOOD EMPIRE BANCORP
                                            (Registrant)

                                       By:  /s/ James E. Beckwith
                                            ---------------------
                                            James E. Beckwith
                                            Executive Vice President and
                                            Chief Operating Officer
FOR:                REDWOOD EMPIRE BANCORP

                             APPROVED BY:        James E. Beckwith
                                                 Executive Vice President and
                                                 Chief Operating Officer
                                                 (707) 522-5215
For Immediate Release

                         REDWOOD EMPIRE BANCORP REPORTS
               8% INCREASE IN THIRD QUARTER 1999 OPERATING RESULTS

     SANTA ROSA,  Calif.  (October 27, 1999) -- Redwood Empire Bancorp  (NASDAQ:
REBC) today reported  income from  continuing  operations of $1,052,000 or $0.30
per share for its third  quarter ended  September  30, 1999.  This compares with
income from continuing operations of $977,000 or $0.28 per diluted share for the
third quarter a year ago. Return on equity from continuing operations was 10.50%
in the third  quarter as compared  with  10.67% in the same  quarter a year ago.
Return on assets from  continuing  operations  was .97% in the third  quarter as
compared to .92% one year ago.

     For the nine  months  ended  September  30,  1999  income  from  continuing
operations was $3,474,000 or $1.00 per diluted share.  This compares with income
from  continuing  operations of $2,348,000 or $0.68 per diluted  share,  for the
first  nine  months  of 1998  and  represents  a 48%  increase  in  income  from
continuing operations.  "We are extremely pleased with income growth of our core
bank  operations,"  noted  Tom  Whitaker,  Chairman.  "Growing  earning  assets,
reducing  overhead costs and managing capital are our key objectives as we enter
the new millenium," said Whitaker.

     During the third  quarter of 1999 the Company  successfully  completed  the
divestiture  of its  mortgage  brokerage  and  mortgage  banking  units,  Valley
Financial and Allied  Diversified  Credit.  As a result of its  divestiture  the
Company  recorded an after-tax loss of $167,000 which is primarily  comprised of
termination benefits. The Company has disclosed the operations of these units as
well  as  the  after  tax  loss  on  disposition  as  discontinued   operations.
Accordingly,  historical  financial  information  has been recast to present the
operating  results  of  Valley  Financial  and  Allied   Diversified  Credit  as
discontinued operations.

     Net income was  $366,000 or $0.11 per diluted  share for the quarter  ended
September 30, 1999 as compared to $1,335,000 or $0.38 per diluted share one year
ago. For the nine months ended  September 30, 1999 net income was  $2,602,000 or
$0.75 per diluted  share as compared to  $3,541,000  or $1.05 for the first nine
months of 1998.
Consolidated  net interest  income from continuing  operations  amounted to
$4,973,000  in the third  quarter,  compared to $4,689,000 in the same period in
1998 which  represents  a 6% increase.  Net  interest  income for the first nine
months of 1999 was  $14,619,000  compared to $13,481,000 in 1998, an increase of
8%. The increase in net interest  income is  attributable to both an increase in
earning assets and an improvement in the net interest margin.

     The loan loss  provision was $200,000 for the quarter,  versus  $510,000 in
the same period last year. Net  charge-offs  were  $238,000,  or .30% of average
portfolio  loans for the  quarter as  compared  to  $219,000 or .31% in the same
quarter  one  year  ago.  Non-performing  assets  at  September  30,  1999  were
$7,204,000 or 1.65% of total  assets,  as compared to  non-performing  assets of
$8,911,000, or 2.11% of total assets, as of December 31, 1998, and $9,190,000 or
2.12% of total assets as of June 30, 1999.  Non-performing  assets have declined
$1,707,000 or 19% during the first nine months of 1999.

     "We again achieved  significant progress in the reduction of non-performing
assets," said Whitaker. "This continues to be a high priority for management and
staff."

     Other fee income from continuing operations amounted to $1,193,000 in the
quarter ended September 30, 1999 as compared to $1,396,000 in the same period in
1998 or a 15% decrease.

     Non interest expense from continuing  operations  amounted to $4,200,000 in
the third  quarter of 1999 as compared to $4,044,000 in the same period one year
ago.

     Total assets were $437,164,000 at quarter-end.  Common book value per share
was $11.70. The Company's Tier 1 capital to average assets ratio was 8.96% as of
September 30, 1999.

     Redwood  Empire  Bancorp is the holding  company for  National  Bank of the
Redwoods,  a commercial  bank. The Company  operates through branches in Sonoma,
Mendocino and Lake Counties.

     The statements  contained in this release,  which are not historical facts,
are  forward-looking  statements  that are  subject to risks and  uncertainties.
Actual  results  may  differ  materially  from  those set forth in or implied by
forward-looking   statements.   These  risks  are  described  in  the  Company's
Securities and Exchange Commission filings.

                               (Tables to follow)
REDWOOD EMPIRE BANCORP AND SUBSIDIARIES
                                      CONDENSED CONSOLIDATED STATEMENT OF OPERATIONS

                          (Dollars in thousands except for earnings per share and share data)
Three Months Ended                 Nine Months Ended
                                                                           September 30                       September 30
                                                                        1999              1998              1999            1998
Interest income                                                                          $7,811           $22,329         $23,170
                                                                        7,686
Interest expense                                                                          3,122             7,710           9,689
                                                                        2,713
Net interest income                                                     4,973             4,689            14,619          13,481
Provision for loan losses                                                 200               510               700           1,530
Net interest income after loan loss provision                           4,773             4,179            13,919          11,951
Other income                                                            1,193             1,396             3,897           3,981
Other expense                                                           4,200             4,044            12,155          12,235
Income before tax from continuing operations                            1,766             1,531             5,661           3,697
Income tax expense from continuing operations                             714               554             2,187           1,349
Income from continuing operations                                       1,052               977             3,474           2,348
Discontinued operations:
   Income/(loss) from discontinued operations
     (less applicable income taxes of ($356), $210, ($439)
     and $760)                                                          (519)               358             (429)           1,305
   Loss on disposal of discontinued operations
     (less applicable income taxes of ($113) )                          (167)                 0             (167)
   Income/(loss) from discontinued operations                           (686)               358             (596)           1,305
Net income before extraordinary item                                      366             1,335             2,878           3,653
Extraordinary item, net of tax                                              0                 0               276
Net income                                                                366             1,335             2,602           3,653
Preferred dividends                                                         0                 0                 0             112
Net income available for common                                          $366            $1,335            $2,602          $3,541

Basic earnings per share:
  Income from continuing operations                                     $0.31             $0.29             $1.03           $0.76
  Income/(loss) from discontinued operations                           (0.20)              0.11            (0.18)            0.42
  Income before extraordinary item                                       0.11              0.40              0.85            1.18
  Income after extraordinary item                                        0.11              0.40              0.77            1.18
  Weighted average shares-basic                                     3,390,000         3,369,000         3,385,000       3,101,000

Diluted earnings per share:
  Income from continuing operations                                     $0.30             $0.28             $1.00           $0.68
  Income/(loss) from discontinued operations                           (0.20)              0.10            (0.17)            0.38
  Income before extraordinary item                                       0.11              0.38              0.83            1.05
  Income after extraordinary item                                        0.11              0.38              0.75            1.05
  Weighted average shares-basic                                     3,458,000         3,486,000         3,472,000       3,465,000

Selected Ratios
Return on Average Total Equity from continuing operations             11.14 %            10.83%           12.43 %          9.13 %
Return on Average Assets from continuing operations                    1.03 %             0.93%            1.14 %           .75 %
Selected Balance Sheet Data
                                                                              (In Thousands)
September 30,     September 30
                                                                    1999              1998
Total Loans, including Mortgage Loans Held for Sale                  $325,219          $289,213
Allowance for Loan Loss                                                 7,963             8,221
Total Assets                                                          437,164           420,973
Total Deposits                                                        367,928           358,013
Equity Capital                                                         39,429            37,748
Nonperforming Assets                                                    7,204            10,412