<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: December 2, 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>
Press releases for the following (articles attached):

     Redwood Empire Bancorp declares  increase of quarterly cash dividend on its
Common Stock.

     Redwood Empire Bancorp announces completion of initial share repurchase and
authorization of a new share repurchase.








                                   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.



            12/2/99
Date:  ___________________            REDWOOD EMPIRE BANCORP
                                          (Registrant)

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

<PAGE>





                                       FOR:    REDWOOD EMPIRE BANCORP


                               APPROVED BY:    James E. Beckwith
                                               Chief Operating Officer
                                               (707) 522-5215



For Immediate Release




             REDWOOD EMPIRE BANCORP INCREASES ITS QUARTERLY DIVIDEND


     SANTA ROSA,  Calif.  (November 22, 1999) -- Redwood Empire Bancorp (NASDAQ:
REBC) today  announced that its Board of Directors has declared a quarterly cash
dividend of ten cents per share on the  Company's  Common  Stock.  This dividend
declaration  represents  an increase of 67%.  The dividend is payable on January
15, 2000 to shareholders of record on December 31, 1999. "We are very pleased to
announce this dividend increase",  said Tom Whitaker,  Chairman,  Redwood Empire
Bancorp.

     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.

                                      # # #

<PAGE>

                                       FOR:    REDWOOD EMPIRE BANCORP

                               APPROVED BY:    James Beckwith
                                               Chief Operating Officer
                                               (707) 522-5215
For Immediate Release


                        REDWOOD EMPIRE BANCORP ANNOUNCES
                   COMPLETION OF INITIAL SHARE REPURCHASE AND
                     AUTHORIZATION OF A NEW SHARE REPURCHASE


     SANTA ROSA,  Calif.  (November 22, 1999) -- Redwood Empire Bancorp (NASDAQ:
REBC) today announced the completion of its stock repurchase  program authorized
on October 27,  1998.  Total shares  repurchased  under this  authorization  was
171,000 at an average price of $20.97 per share. In a separate action, the Board
of Directors has authorized the repurchase of an additional 150,000  outstanding
shares.  Under the repurchase program, the Company plans to purchase shares from
time to time on the open market or through  privately  negotiated  transactions.

     "We believe that shares of Redwood Empire currently  represent a compelling
value,  and that this  repurchase  program  provides the  opportunity to enhance
returns on capital and increased  earnings per share over the  long-term,"  said
Tom Whitaker, Chairman of Redwood Empire Bancorp.

     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.

                                     # # # #
[{"type": "8-K", "sequence": "1", "description": "PRESS RELEASE", "secsgml_size_bytes": 5181}]
{"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": "99768159"}, "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: December 2, 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

===========================================================================
Press releases for the following (articles attached):

     Redwood Empire Bancorp declares  increase of quarterly cash dividend on its
Common Stock.

     Redwood Empire Bancorp announces completion of initial share repurchase and
authorization of a new share repurchase.

                                   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.

            12/2/99
Date:  ___________________            REDWOOD EMPIRE BANCORP
                                          (Registrant)

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

                               APPROVED BY:    James E. Beckwith
                                               Chief Operating Officer
                                               (707) 522-5215

For Immediate Release

             REDWOOD EMPIRE BANCORP INCREASES ITS QUARTERLY DIVIDEND

     SANTA ROSA,  Calif.  (November 22, 1999) -- Redwood Empire Bancorp (NASDAQ:
REBC) today  announced that its Board of Directors has declared a quarterly cash
dividend of ten cents per share on the  Company's  Common  Stock.  This dividend
declaration  represents  an increase of 67%.  The dividend is payable on January
15, 2000 to shareholders of record on December 31, 1999. "We are very pleased to
announce this dividend increase",  said Tom Whitaker,  Chairman,  Redwood Empire
Bancorp.

     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.

                                      # # #
FOR:    REDWOOD EMPIRE BANCORP

                               APPROVED BY:    James Beckwith
                                               Chief Operating Officer
                                               (707) 522-5215
For Immediate Release

                        REDWOOD EMPIRE BANCORP ANNOUNCES
                   COMPLETION OF INITIAL SHARE REPURCHASE AND
                     AUTHORIZATION OF A NEW SHARE REPURCHASE

     SANTA ROSA,  Calif.  (November 22, 1999) -- Redwood Empire Bancorp (NASDAQ:
REBC) today announced the completion of its stock repurchase  program authorized
on October 27,  1998.  Total shares  repurchased  under this  authorization  was
171,000 at an average price of $20.97 per share. In a separate action, the Board
of Directors has authorized the repurchase of an additional 150,000  outstanding
shares.  Under the repurchase program, the Company plans to purchase shares from
time to time on the open market or through  privately  negotiated  transactions.

     "We believe that shares of Redwood Empire currently  represent a compelling
value,  and that this  repurchase  program  provides the  opportunity to enhance
returns on capital and increased  earnings per share over the  long-term,"  said
Tom Whitaker, Chairman of Redwood Empire Bancorp.

     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.

                                     # # # #