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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>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.3; MARGIN-RIGHT: 0pt" align="center"><br></div>
      <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>
          <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">&#160;&#160;&#160;August
                    29, 2008</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;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>
              </tr>

          </table>
        </div>
        <div>&#160;</div>
        <div>&#160;</div>
        <div>
          <table bgcolor="white" cellpadding="0" cellspacing="0" width="70%">

              <tr bgcolor="white">
                <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>

          </table>
        </div>
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              <td width="30%">
                <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>

        </table>
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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>
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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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              <tr bgcolor="white">
                <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>
        <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>
                </tr>
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                  <td colspan="2" width="100%">
                    <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">&#160;&#160;(Registrant&#8217;s
                      telephone number, including area
                      code)</div>
                  </td>
                </tr>

            </table>
          </div>
          <div>&#160;</div>
          <div>&#160;</div>
          <div>
            <table bgcolor="white" cellpadding="0" cellspacing="0" width="70%">

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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>
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                    <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>
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        </div>
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      <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>
    <div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.3; MARGIN-RIGHT: 0pt" align="center"><br></div>
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        <div id="FTR">
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          </div>
        </div>
        <div id="PN" style="PAGE-BREAK-AFTER: always">
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
          </div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
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        </div>
        <div id="HDR">
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          </div>
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      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.3; MARGIN-RIGHT: 0pt" align="justify"><br><font style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman">&#160;<br></font>
        <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">Item
            1.01.&#160;&#160;Entry into a Material Definitive 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: 27pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman">On
            August
            29, 2008, Vineyard National Bancorp (the &#8220;Company&#8221;) and First Tennessee Bank
            National Association (&#8220;First Tennessee&#8221;) entered into that certain Fifth
            Modification Agreement and Covenant Waiver (the &#8220;Modification Agreement&#8221;) which,
            among other things, extended the maturity date of the Company&#8217;s loan from 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&#160;order with the Office of
            the Comptroller of the Currency, which constituted an event of
            default,&#160;through October 28, 2008.&#160;&#160;The outstanding balance of
            the loan was $48,300,000 at August 29, 2008.&#160;&#160;</font></div>
          <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 27pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
          <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 27pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman">The
            foregoing description of the Modification 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.</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: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman">Item&#160;9.01.&#160;&#160;Financial
            Statements and Exhibits.</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="left"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman">(d)&#160;Exhibits.</font></div>
          <div>
            <table cellpadding="0" cellspacing="0" width="100%">

                <tr>
                  <td valign="top" width="8%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
                  <td valign="top" width="2%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
                  <td valign="top" width="66%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
                </tr>
                <tr>
                  <td align="left" valign="top" width="8%" 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">Exhibit</font></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">Number</font></div>
                  </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="top" width="66%" 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">Description</font></div>
                  </td>
                </tr>
                <tr>
                  <td valign="top" width="8%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
                  <td colspan="2" valign="top" width="68%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
                </tr>
                <tr>
                  <td align="left" valign="top" width="8%">
                    <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">10.1</font></div>
                  </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="top" width="66%">
                    <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">Fifth&#160;Modification
                      Agreement and Covenant Waiver dated August 29, 2008 between
                      Vineyard
                      National Bancorp and First Tennessee Bank National
                      Association.</font></div>
                  </td>
                </tr>

            </table>
          </div>
          <div style="DISPLAY: block; TEXT-INDENT: 0pt">&#160;</div>
          <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman">SIGNATURES</font></div>
          <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: 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,
            the
            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>
          <div>
            <table cellpadding="0" cellspacing="0" width="100%">

                <tr>
                  <td valign="middle" width="1%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
                  <td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
                  <td valign="middle" width="31%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
                  <td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
                  <td valign="middle" width="2%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
                  <td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
                  <td valign="middle" width="5%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
                  <td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></td>
                  <td valign="middle" width="31%"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">&#160;
                    </font></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: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 12pt; FONT-FAMILY: times new roman">Vineyard
                      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;
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                      August 29, 2008</font></div>
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                    </font></td>
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                    </font></td>
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                    </font></td>
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                      </font><font style="FONT-SIZE: 12pt; FONT-STYLE: italic; FONT-FAMILY: times new roman">Gordon
                      Fong</font></font></font></div>
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                    </font></td>
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                    </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;
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                      Fong</font></div>
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                    </font></td>
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                    </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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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
August
                    29, 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.
On
            August
            29, 2008, Vineyard National Bancorp (the "Company") and First Tennessee Bank
            National Association ("First Tennessee") entered into that certain Fifth
            Modification Agreement and Covenant Waiver (the "Modification Agreement") which,
            among other things, extended the maturity date of the Company's loan from 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 balance of
            the loan was $48,300,000 at August 29, 2008.
The
            foregoing description of the Modification 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.
Item 9.01.  Financial
            Statements and Exhibits.
(d) Exhibits.
Exhibit
Number
Description
10.1
Fifth Modification
                      Agreement and Covenant Waiver dated August 29, 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:
                      August 29, 2008
By:
/s/
Gordon
                      Fong
Name:
Gordon
                      Fong
Title:
Executive
                      Vice President and Chief Financial
                      Officer