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      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.3; MARGIN-RIGHT: 0pt" align="center">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.3; MARGIN-RIGHT: 0pt" align="center">UNITED
        STATES</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.3; MARGIN-RIGHT: 0pt" align="center">SECURITIES
        AND EXCHANGE COMMISSION</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.3; MARGIN-RIGHT: 0pt" align="center">Washington,
        D.C. 20549</div>
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      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.3; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-WEIGHT: bold">FORM
        8-K</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.3; MARGIN-RIGHT: 0pt" align="center">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.3; MARGIN-RIGHT: 0pt" align="center">CURRENT
        REPORT</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.3; MARGIN-RIGHT: 0pt" align="center">PURSUANT
        TO SECTION 13 OR 15(d)</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.3; MARGIN-RIGHT: 0pt" align="center">OF
        THE SECURITIES EXCHANGE ACT OF 1934</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.3; MARGIN-RIGHT: 0pt" align="center">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.3; MARGIN-RIGHT: 0pt" align="center">
        <div>
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                  <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">&#160;&#160;&#160;September
                    23, 2008</div>
                </td>
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                <td colspan="3" width="100%">
                  <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">&#160;&#160;&#160;Date
                    of Report (Date of earliest event
                    reported)</div>
                </td>
              </tr>

          </table>
        </div>
        <div>&#160;</div>
        <div><img src="logo.jpg" alt="logo"></div>
        <div>&#160;</div>
        <div>
          <table bgcolor="white" cellpadding="0" cellspacing="0" width="70%">

              <tr bgcolor="white">
                <td colspan="3" width="100%" style="BORDER-BOTTOM: black 2px solid">
                  <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-WEIGHT: bold">&#160;VINEYARD
                    NATIONAL
                    BANCORP</font></div>
                </td>
              </tr>
              <tr bgcolor="white">
                <td colspan="3" width="100%">
                  <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">&#160;&#160;&#160;(Exact
                    name of registrant as specified in
                    its charter)</div>
                </td>
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        </div>
        <div>&#160;</div>
        <div>&#160;</div>
        <div>
          <table bgcolor="white" cellpadding="0" cellspacing="0" width="70%">

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                <td width="30%" style="BORDER-BOTTOM: black 2px solid">
                  <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">&#160;California</div>
                </td>
                <td width="40%" style="BORDER-BOTTOM: black 2px solid">
                  <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">000-20862</div>
                </td>
                <td width="30%" style="BORDER-BOTTOM: black 2px solid">
                  <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">&#160;&#160;33-0309110</div>
                </td>
              </tr>

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                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">&#160;(State
                  or other jurisdiction of incorporation)</div>
              </td>
              <td width="40%">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">&#160;(Commission
                  File Number)</div>
              </td>
              <td width="30%">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">&#160;(IRS
                  Employer Identification
                  No.)</div>
              </td>
            </tr>

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      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 18pt; LINE-HEIGHT: 1.3; MARGIN-RIGHT: 0pt" align="center"><font id="TAB1" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB1" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font><font id="TAB1" style="LETTER-SPACING: 9pt">&#160;&#160;</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 18pt; LINE-HEIGHT: 1.3; MARGIN-RIGHT: 0pt" align="center">&#160;<font id="TAB1" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;<font id="TAB1" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;<font id="TAB1" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;<font id="TAB1" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;<font id="TAB1" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;<font id="TAB1" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;<font id="TAB1" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;<font id="TAB1" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;<font id="TAB1" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;</div>
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            <tr bgcolor="white">
              <td width="70%" style="BORDER-BOTTOM: black 2px solid">1260 Corona
                Pointe
                Court, Corona, California<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;</td>
              <td width="30%" style="BORDER-BOTTOM: black 2px solid">92879</td>
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                <td width="70%">&#160;(Address of principal executive offices)<font id="TAB1" style="LETTER-SPACING: 9pt">&#160;</font></td>
                <td width="30%">&#160;(Zip Code)</td>
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        <div>&#160;</div>
        <div>&#160;</div>
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                  <td colspan="2" width="100%" style="BORDER-BOTTOM: black 2px solid">
                    <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">&#160;&#160;(951)
                      271-4232</div>
                  </td>
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                <tr bgcolor="white">
                  <td colspan="2" width="100%">
                    <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">&#160;&#160;(Registrant&#65533;s
                      telephone number, including area
                      code)</div>
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          </div>
          <div>&#160;</div>
          <div>&#160;</div>
          <div>
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                  <td colspan="2" width="100%" style="BORDER-BOTTOM: black 2px solid">
                    <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">&#160;&#160;Not
                      Applicable</div>
                  </td>
                </tr>
                <tr bgcolor="white">
                  <td colspan="2" width="100%">
                    <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">&#160;&#160;(Former
                      name, former address and former fiscal
                      year, if changed since last
                      report)</div>
                  </td>
                </tr>

            </table>
          </div>
        </div>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.3; MARGIN-RIGHT: 0pt" align="center">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.3; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.3; MARGIN-RIGHT: 0pt" align="center">
        <div style="DISPLAY: block; MARGIN-LEFT: 9pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">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 (see General Instruction A.2. below):</div>
        <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
        <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;<font style="DISPLAY: inline;" face="Wingdings">o</font>
          Written communications
          pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</div>
        <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;<font style="DISPLAY: inline;" face="Wingdings">o</font>
          Soliciting material
          pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</div>
        <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;<font style="DISPLAY: inline;" face="Wingdings">o</font>
          Pre-commencement
          communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR
          240.14d-2(b))</div>
        <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;<font style="DISPLAY: inline;" face="Wingdings">o</font>
          Pre-commencement
          communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR
          240.13e-4(c))</div>
      </div>
    </div>
    <div>&#160;</div>
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            <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
            <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman, serif"><font style="DISPLAY: inline; COLOR: #000000">Item
</font><font style="DISPLAY: inline; COLOR: #000000">1.01
              Entry into a Material Definitive
              Agreement</font></font></div>
            <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
            <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman, serif">Written
              Agreement with Federal Reserve</font></div>
            <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
            <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
            <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman, serif">On
              September 23, 2008, Vineyard National Bancorp (the &#8220;Company&#8221;) entered into a
              written agreement (the &#8220;Written Agreement&#8221;) with the Federal Reserve Bank of San
              Francisco (the &#8220;Reserve Bank&#8221;).&#160;&#160;&#160;The Written Agreement
              formalizes certain of the remedial measures which have been previously
              identified as part of the Company&#8217;s internally developed and independently
              implemented Risk Mitigation Action Plan.&#160;&#160;Under the Written Agreement,
              the Company agreed to, among other things, suspend the declaration,
              payment or
              receipt of dividends without prior approval; suspend any distributions
              of
              interest, principal or other sums on subordinated debentures or trust
              preferred
              securities without prior approval; not incur, increase, or guarantee
              any debt
              without prior approval; not purchase or redeem any shares of stock
              without prior
              approval; submit a written capital plan to the Reserve Bank; ensure
              that the
              Company and its subsidiaries comply with sections 23A and 23B of the
              Federal
              Reserve Act and Regulation W of the Board of Governors of the Federal
              Reserve
              System; not appoint any new director or senior executive officer or
              change the
              responsibilities of any current senior executive officers without providing
              the
              Reserve Bank with 30 days prior written notice and not make any appointment
              or
              change if such is disapproved by the Reserve Bank; not make indemnification
              or
              severance payments to, or enter into agreements providing for such
              indemnification or severance payments with, institution-affiliated
              parties,
              which include key employees and directors of the Company, without complying
              with
              certain statutory restrictions including prior approval of the Reserve
              Bank and
              the Federal Deposit Insurance Corporation; and&#160;&#160;provide quarterly
              written reports to the Reserve Bank concerning the actions taken by
              the Company
              to comply with the Written Agreement.</font></div>
            <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
            <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman, serif">On
              September 24, 2008, pursuant to the requirements of the Written Agreement,
              the
              Company received written approval from the Reserve Bank (the &#8220;Approval&#8221;) to
              engage in various actions required in connection with its previously
              announced
              commencement of a private placement offering (the &#8220;Offering&#8221;) of up to $250
              million aggregate amount of &#8220;units,&#8221; consisting of 10% convertible senior
              secured notes due in 2009 and shares of the Company&#8217;s&#160;&#160;common stock to
&#8220;accredited investors&#8221; as defined in Rule 501 under the Securities Act, and
              outside the United States in reliance on Regulation S under the Securities
              Act.&#160;&#160;In connection with the Offering, the Approval permits the
              Company to, among other things, repurchase certain of the Company&#8217;s
              indebtedness, trust preferred securities and preferred stock, and to
              issue and
              pay interest on the notes issued as part of the &#8220;units&#8221; in connection with the
              Offering</font></div>
            <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
            <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman, serif">Any
              material failure to comply with the provisions of the Written Agreement
              or the
              Approval could result in enforcement actions by the Reserve
              Bank.&#160;&#160;While the Company intends to take such actions as may be
              necessary to enable the Company to comply with the requirements of
              the Written
              Agreement and the Approval, there can be no assurance that the Company
              will be
              able to comply fully with the provisions of the Written Agreement or
              the
              Approval, or to do so within the timeframes required, compliance with
              the
              Written Agreement and the Approval will not be more time consuming
              or more
              expensive than anticipated, compliance with the Written Agreement and
              the
              Approval will enable the Company and Vineyard Bank to resume profitable
              operations, or that efforts to comply with the Written Agreement and
              the
              Approval will not have adverse effects on the operations and financial
              condition
              of the Company and Vineyard Bank.</font></div>
            <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
            <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman, serif">The
              foregoing description of the Written Agreement is qualified in its
              entirety by
              reference thereto, a copy of which is attached to this Current Report
              on Form
              8-K as Exhibit<font style="DISPLAY: inline; COLOR: #000000"> 10.1 </font><font style="DISPLAY: inline; COLOR: #000000">and
              incorporated herein by
              reference.</font></font></div>
            <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
            <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman, serif"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; COLOR: #000000">Amendment
              to </font><font style="DISPLAY: inline; COLOR: #000000">Fifth Modification
              to Secured Line of
              Credit</font></font></div>
            <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
            <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman, serif"><font style="DISPLAY: inline; COLOR: #000000">On
              September 23, 2008, the Company and
              First Tennessee Bank </font><font style="DISPLAY: inline; COLOR: #000000">National </font><font style="DISPLAY: inline; COLOR: #000000">A</font><font style="DISPLAY: inline; COLOR: #000000">ssociation
              (&#8220;First Tennessee&#8221;)
</font><font style="DISPLAY: inline; COLOR: #000000">entered into
              an
              Amendment&#160;&#160;(the &#8220;Amendment&#8221;) to the previously announced Fifth
              Modification Agreement and Covenant Waiver (the &#8220;Fifth Modification&#8221;) to
              t</font><font style="DISPLAY: inline; COLOR: #000000">he Company</font><font style="DISPLAY: inline; COLOR: #000000">&#8217;s</font><font style="DISPLAY: inline; COLOR: #000000">secured
              line of credit with First
              Tennessee that is</font><font style="DISPLAY: inline; COLOR: #000000">&#160;</font><font style="DISPLAY: inline; COLOR: #000000">collateralized
              by 100% of </font><font style="DISPLAY: inline; COLOR: #000000">Vineyard Bank</font><font style="DISPLAY: inline; COLOR: #000000">&#8217;s
              common stock. </font><font style="DISPLAY: inline; COLOR: #000000">The Amendment
              extends the Covenant
              waiver under the Fifth Modification to the Written
              Agreement.</font></font></div>
            <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
            <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman, serif"><font style="DISPLAY: inline; COLOR: #000000">The
              Fifth Modification, among other
              things, extended the maturity date of the Company&#8217;s loan with First Tennessee
              from August 29, 2008 to October 28, 2008</font><font style="DISPLAY: inline; COLOR: #000000">granted and/or
              extended the waiver by
              First Tennessee of certain financial and other covenant failures of
              the
              Company,</font><font style="DISPLAY: inline; COLOR: #000000">&#160;</font><font style="DISPLAY: inline; COLOR: #000000">including
              the signing of a consent order
              with the Office of the Comptroller of the Currency, which constituted
              an event
              of</font><font style="DISPLAY: inline; COLOR: #000000">&#160;</font><font style="DISPLAY: inline; COLOR: #000000">default,
              through October 28,
              2008.</font><font style="DISPLAY: inline; COLOR: #000000">&#160;</font><font style="DISPLAY: inline; COLOR: #000000">The
              outstanding principal balance on
              this line of credit was $48,300,000 at </font><font style="DISPLAY: inline; COLOR: #000000">September 23,
              2008.</font></font></div>
            <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
            <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman, serif">The
              foregoing descriptions of the Fifth Modification and the Amendment
              are qualified
              in their entirety by reference thereto, a copy of which Fifth Modification
              was
              attached to the Company&#8217;s Current Report on Form 8-K filed on September 2, 2008
              as Exhibit 10.1 and a copy of which Amendment is attached to this Current
              Report
              on Form 8-K as Exhibit<font style="DISPLAY: inline; COLOR: #000000"> 10.2 and
</font><font style="DISPLAY: inline; COLOR: #000000">incorporated
              herein by
              reference.</font></font></div>
            <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
            <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
            <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 12pt; COLOR: #000000; FONT-FAMILY: Times New Roman, serif"><font style="DISPLAY: inline; COLOR: #000000">Item
              9.01. Exhibits</font></font></div>
            <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
            <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 12pt; COLOR: #000000; FONT-FAMILY: Times New Roman, serif"><font style="DISPLAY: inline; COLOR: #000000">(d)
              Exhibits</font></font></div>
            <div style="DISPLAY: block; TEXT-INDENT: 0pt"><br></div>
            <div>
              <table cellpadding="0" cellspacing="0" width="100%">

                  <tr>
                    <td align="left" valign="top" width="15%" style="BORDER-BOTTOM: black 2px solid">
                      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman, serif"><font style="DISPLAY: inline">Exhibit
                        Number</font></font></div>
                    </td>
                    <td align="left" valign="top" width="57%" style="BORDER-BOTTOM: black 2px solid">
                      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman, serif"><font style="DISPLAY: inline">Description</font></font></div>
                    </td>
                  </tr>
                  <tr>
                    <td align="left" valign="top" width="15%">
                      <div style="DISPLAY: block; TEXT-INDENT: 0pt">
                      </div>
                      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman, serif">10.1</font></div>
                    </td>
                    <td align="left" valign="bottom" width="57%">
                      <div style="DISPLAY: block; TEXT-INDENT: 0pt">
                      </div>
                      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman, serif">Written
                        Agreement by and between Vineyard National Bancorp and the
                        Federal Reserve
                        Bank of San Francisco</font></div>
                    </td>
                  </tr>
                  <tr>
                    <td align="left" valign="top" width="15%">
                      <div style="DISPLAY: block; TEXT-INDENT: 0pt">
                      </div>
                      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman, serif">10.2</font></div>
                      <div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>
                    </td>
                    <td align="left" valign="bottom" width="57%">
                      <div style="DISPLAY: block; TEXT-INDENT: 0pt">
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                      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman, serif">Amendment
                        to Fifth Modification Agreement and Covenant Waiver dated
                        September 23,
                        2008 between Vineyard National Bancorp and First Tennessee
                        Bank National
                        Association.</font></div>
                    </td>
                  </tr>

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          <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 27pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman">Pursuant
            to the requirements of the Securities Exchange Act of 1934, as amended,
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            Registrant has duly caused this report to be signed on its behalf by
            the
            undersigned hereunto duly authorized.</font></div>
          <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
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                    </font></td>
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                    </font></td>
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                    </font></td>
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                    </font></td>
                  <td valign="middle" width="31%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
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                    </font></td>
                  <td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
                  <td align="left" valign="top" width="2%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
                  <td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
                  <td align="left" colspan="3" valign="top" width="36%">
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                      National Bancorp</font></div>
                  </td>
                </tr>
                <tr>
                  <td align="left" colspan="3" valign="top" width="32%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
                  <td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
                  <td align="left" valign="top" width="2%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
                  <td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
                  <td align="left" colspan="3" valign="top" width="36%">
                    <div style="DISPLAY: block; MARGIN-LEFT: 18pt; TEXT-INDENT: -18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">(Registrant)</font></div>
                  </td>
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                <tr>
                  <td colspan="3" valign="middle" width="32%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
                  <td colspan="2" valign="middle" width="3%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
                  <td colspan="2" valign="middle" width="5%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
                  <td colspan="2" valign="middle" width="31%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
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                <tr>
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                      September 25, 2008</font></div>
                  </td>
                  <td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
                  <td align="left" valign="top" width="2%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
                  <td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
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                  </td>
                  <td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
                  <td align="left" valign="top" width="31%" style="BORDER-BOTTOM: black 2px solid">
                    <div style="DISPLAY: block; MARGIN-LEFT: 18pt; TEXT-INDENT: -18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"><font style="FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;<font style="FONT-SIZE: 12pt; FONT-STYLE: italic; FONT-FAMILY: times new roman">/s/
                      </font><font style="FONT-SIZE: 12pt; FONT-STYLE: italic; FONT-FAMILY: times new roman">Gordon
                      Fong</font></font></font></div>
                  </td>
                </tr>
                <tr>
                  <td align="left" valign="top" width="1%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
                  <td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
                  <td align="left" valign="top" width="31%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
                  <td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
                  <td align="left" valign="top" width="2%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
                  <td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
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                  </td>
                  <td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
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                      Fong</font></div>
                  </td>
                </tr>
                <tr>
                  <td align="left" valign="top" width="1%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
                  <td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
                  <td align="left" valign="top" width="31%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
                  <td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
                  <td align="left" valign="top" width="2%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
                  <td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
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                    </font></td>
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                      Vice President and Chief Financial
                      Officer</font></div>
                  </td>
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[{"type": "8-K", "sequence": "1", "filename": "form8-k.htm", "description": "FORM 8-K FRB WRITTEN AGREEMENT", "secsgml_size_bytes": 43998}]
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form8-k.htm
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
September
                    23, 2008
Date
                    of Report (Date of earliest event
                    reported)
VINEYARD
                    NATIONAL
                    BANCORP
(Exact
                    name of registrant as specified in
                    its charter)
California
000-20862
33-0309110
(State
                  or other jurisdiction of incorporation)
(Commission
                  File Number)
(IRS
                  Employer Identification
                  No.)
1260 Corona
                Pointe
                Court, Corona, California
92879
(Address of principal executive offices)
(Zip Code)
(951)
                      271-4232
(Registrant�s
                      telephone number, including area
                      code)
Not
                      Applicable
(Former
                      name, former address and former fiscal
                      year, if changed since last
                      report)
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 (see General Instruction A.2. below):
o
Written communications
          pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
o
Soliciting material
          pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
o
Pre-commencement
          communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR
          240.14d-2(b))
o
Pre-commencement
          communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR
          240.13e-4(c))
Item
1.01
              Entry into a Material Definitive
              Agreement
Written
              Agreement with Federal Reserve
On
              September 23, 2008, Vineyard National Bancorp (the "Company") entered into a
              written agreement (the "Written Agreement") with the Federal Reserve Bank of San
              Francisco (the "Reserve Bank").   The Written Agreement
              formalizes certain of the remedial measures which have been previously
              identified as part of the Company's internally developed and independently
              implemented Risk Mitigation Action Plan.  Under the Written Agreement,
              the Company agreed to, among other things, suspend the declaration,
              payment or
              receipt of dividends without prior approval; suspend any distributions
              of
              interest, principal or other sums on subordinated debentures or trust
              preferred
              securities without prior approval; not incur, increase, or guarantee
              any debt
              without prior approval; not purchase or redeem any shares of stock
              without prior
              approval; submit a written capital plan to the Reserve Bank; ensure
              that the
              Company and its subsidiaries comply with sections 23A and 23B of the
              Federal
              Reserve Act and Regulation W of the Board of Governors of the Federal
              Reserve
              System; not appoint any new director or senior executive officer or
              change the
              responsibilities of any current senior executive officers without providing
              the
              Reserve Bank with 30 days prior written notice and not make any appointment
              or
              change if such is disapproved by the Reserve Bank; not make indemnification
              or
              severance payments to, or enter into agreements providing for such
              indemnification or severance payments with, institution-affiliated
              parties,
              which include key employees and directors of the Company, without complying
              with
              certain statutory restrictions including prior approval of the Reserve
              Bank and
              the Federal Deposit Insurance Corporation; and  provide quarterly
              written reports to the Reserve Bank concerning the actions taken by
              the Company
              to comply with the Written Agreement.
On
              September 24, 2008, pursuant to the requirements of the Written Agreement,
              the
              Company received written approval from the Reserve Bank (the "Approval") to
              engage in various actions required in connection with its previously
              announced
              commencement of a private placement offering (the "Offering") of up to $250
              million aggregate amount of "units," consisting of 10% convertible senior
              secured notes due in 2009 and shares of the Company's  common stock to
"accredited investors" as defined in Rule 501 under the Securities Act, and
              outside the United States in reliance on Regulation S under the Securities
              Act.  In connection with the Offering, the Approval permits the
              Company to, among other things, repurchase certain of the Company's
              indebtedness, trust preferred securities and preferred stock, and to
              issue and
              pay interest on the notes issued as part of the "units" in connection with the
              Offering
Any
              material failure to comply with the provisions of the Written Agreement
              or the
              Approval could result in enforcement actions by the Reserve
              Bank.  While the Company intends to take such actions as may be
              necessary to enable the Company to comply with the requirements of
              the Written
              Agreement and the Approval, there can be no assurance that the Company
              will be
              able to comply fully with the provisions of the Written Agreement or
              the
              Approval, or to do so within the timeframes required, compliance with
              the
              Written Agreement and the Approval will not be more time consuming
              or more
              expensive than anticipated, compliance with the Written Agreement and
              the
              Approval will enable the Company and Vineyard Bank to resume profitable
              operations, or that efforts to comply with the Written Agreement and
              the
              Approval will not have adverse effects on the operations and financial
              condition
              of the Company and Vineyard Bank.
The
              foregoing description of the Written Agreement is qualified in its
              entirety by
              reference thereto, a copy of which is attached to this Current Report
              on Form
              8-K as Exhibit
10.1
and
              incorporated herein by
              reference.
Amendment
              to
Fifth Modification
              to Secured Line of
              Credit
On
              September 23, 2008, the Company and
              First Tennessee Bank
National
A
ssociation
              ("First Tennessee")
entered into
              an
              Amendment  (the "Amendment") to the previously announced Fifth
              Modification Agreement and Covenant Waiver (the "Fifth Modification") to
              t
he Company
's
secured
              line of credit with First
              Tennessee that is
collateralized
              by 100% of
Vineyard Bank
's
              common stock.
The Amendment
              extends the Covenant
              waiver under the Fifth Modification to the Written
              Agreement.
The
              Fifth Modification, among other
              things, extended the maturity date of the Company's loan with First Tennessee
              from August 29, 2008 to October 28, 2008
granted and/or
              extended the waiver by
              First Tennessee of certain financial and other covenant failures of
              the
              Company,
including
              the signing of a consent order
              with the Office of the Comptroller of the Currency, which constituted
              an event
              of
default,
              through October 28,
              2008.
The
              outstanding principal balance on
              this line of credit was $48,300,000 at
September 23,
              2008.
The
              foregoing descriptions of the Fifth Modification and the Amendment
              are qualified
              in their entirety by reference thereto, a copy of which Fifth Modification
              was
              attached to the Company's Current Report on Form 8-K filed on September 2, 2008
              as Exhibit 10.1 and a copy of which Amendment is attached to this Current
              Report
              on Form 8-K as Exhibit
10.2 and
incorporated
              herein by
              reference.
Item
              9.01. Exhibits
(d)
              Exhibits
Exhibit
                        Number
Description
10.1
Written
                        Agreement by and between Vineyard National Bancorp and the
                        Federal Reserve
                        Bank of San Francisco
10.2
Amendment
                        to Fifth Modification Agreement and Covenant Waiver dated
                        September 23,
                        2008 between Vineyard National Bancorp and First Tennessee
                        Bank National
                        Association.
SIGNATURES
Pursuant
            to the requirements of the Securities Exchange Act of 1934, as amended,
            the
            Registrant has duly caused this report to be signed on its behalf by
            the
            undersigned hereunto duly authorized.
Vineyard
                      National Bancorp
(Registrant)
Dated:
                      September 25, 2008
By:
/s/
Gordon
                      Fong
Name:
Gordon
                      Fong
Title:
Executive
                      Vice President and Chief Financial
                      Officer