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

                                  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: April 18, 2001



                             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 release for the following (article attached):

     Redwood Empire Bancorp  announces  first quarter 2001 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.


            04-18-01
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 Beckwith
                                              EVP/Chief Operating Officer
                                              (707) 522-5215


For Immediate Release


                         REDWOOD EMPIRE BANCORP REPORTS
           AN INCREASE OF 26% IN NET INCOME FOR THE FIRST QUARTER 2001


SANTA ROSA,  Calif.  (April 18, 2001) -- Redwood Empire Bancorp  (NASDAQ:  REBC)
today reported record income of $1,787,000,  or $0.64 per diluted share, for the
quarter  ended March 31, 2001 as  compared to  $1,420,000,  or $0.43 per diluted
share,  one year ago.  Return  on equity  was  22.45%  in the first  quarter  as
compared with 14.86% in the same quarter a year ago.  Return on assets was 1.63%
in the first  quarter  as  compared  to 1.33% one year  ago.  "We are  extremely
pleased  with  bottom  line  results,"  noted James  Beckwith,  Chief  Operating
Officer.  "Growing earning assets, reducing overhead costs, managing capital and
maintaining asset quality continue to be our key objectives," said Beckwith.

         Total average loans  amounted to  $318,639,000  as of March 31, 2001 as
compared to  $313,405,000  one year ago,  which  represents a  $5,234,000  or 2%
increase.  In the fourth quarter of 2000 the Company sold  $21,205,000 in single
family  residential  loans and  securitized  another  $17,949,000  as part of an
assets  repositioning  strategy.   Without  the  impact  of  the  single  family
residential loan sale and securitization, average loans grew $44,388,000 or 14%.
Total  deposits  averaged  to  $395,042,000  for  the  quarter  as  compared  to
$375,154,000 one year ago which amounts to a $19,888,000 or 5% increase.

         Net  interest  income  amounted  to  $5,301,000  in the first  quarter,
compared  to  $4,939,000  in the  same  period  in 2000  which  represents  a 7%
increase.  The increase in net interest income is attributable to an increase in
average earning assets of $15,800,000  from  $400,724,000  for the quarter ended
March 31,  2000 to  $416,524,000  for the  quarter  ended  March 31, 2001 and an
improvement in net interest  margin from 4.96% in first quarter of 2000 to 5.16%
in the first quarter of 2001.

         There was no loan loss  provision  for the quarter ended March 31, 2001
as compared to $100,000  one year ago.  Net  recoveries  were $22,000 or .03% of
average  portfolio  loans for the  quarter as  compared  to net  charge-offs  of
$51,000  or .07% one year ago.  Non-performing  assets  at March  31,  2001 were
$1,775,000  or .4% of total  assets,  as  compared to  non-performing  assets of
$1,960,000,  or .4% of total  assets,  as of December 31,  2000.  Non-performing
assets have declined  $185,000 or 9% during the three months of 2001.  The ratio
of the  allowance for loan losses to  nonperforming  assets was 434% as of March
31, 2001 as compared to 392% as of December  31,  2000.  "Maintaining  excellent
asset quality  continues to be a high priority for  management  and staff," said
Beckwith.

<PAGE>
         Noninterest  income  amounted to $1,365,000 for the quarter ended March
31, 2001 as compared to  $1,411,000 in the same period in 2000 or a 3% decrease.
The decline is attributable  to a decrease in merchant card processing  revenues
from  $897,000 in the first  quarter of 2000 to $813,000 in the first quarter of
2001. In the fourth quarter of 2000, a large merchant card  processing  contract
with an independent sales  organization  expired.  To help offset the decline in
merchant  bankcard  processing  revenue  brought about by the  expiration of the
contract  referenced  above,  the Company has been building its overall merchant
card processing  business through direct marketing efforts and new ISO business.
Excluding net revenue from merchant  bankcard  processing,  non interest  income
grew  $38,000  or 7% in the  first  quarter  of 2001 when  compared  to the same
quarter one year ago.

         Noninterest  expense  amounted to $3,650,000 for the quarter ended 2001
as compared to  $3,858,000  in the same period one year ago which  represents  a
decrease  of $208,000 or 5.4%.  The decline in  noninterest  expense is directly
attributable  to the  Company's  focus on improving  efficiency.  The  Company's
efficiency ratio for the first quarter of 2001 amounted to 54.76% as compared to
60.76% one year ago.

         For the three  months  ended  March 31,  2001 the  Company's  community
banking  segment earned  $1,447,000 on revenues of $5,545,000 as compared to net
income of $979,000 and revenues of  $5,158,000  one year ago. The  segment's 48%
improvement  in  earnings  is  attributable  to  earning  asset  growth,  margin
improvement and expense control.  The Company's bankcard segment earned $340,000
in the quarter  ended March 31,  2001  versus  $441,000 in the first  quarter of
2000.  The  decline in the  unit's net income is due to a decline in  processing
revenue  and an  increase in salary and  benefits  expenses.  The decline in the
segment's revenue is directly attributable to the expiration of a large merchant
bankcard  processing  contract as mentioned above. The merchant bankcard segment
net income comprised 19% of the Company's  consolidated net income for the first
quarter of 2001.

         In January and  February  2001 the Board of  Directors  authorized  the
repurchase of up to 10% of the  Company's  total shares  outstanding  or 285,000
shares in January 2001 and 257,000  shares in February  2001,  of which  426,200
shares  have been  repurchased  through  March 31,  2001.  Under the  repurchase
program,  the  Company  plans to  purchase  shares from time to time on the open
market and/or in privately negotiated transactions. The repurchase was funded in
part with proceeds received from a $10,000,000 pooled trust preferred securities
offering concluded on February 22, 2001. The financing, which qualifies for tier
1 capital  treatment,  bears an  interest  rate of 10.2% and is due in 30 years.
Debt issuance  costs  amounted to  approximately  $300,000 and will be amortized
over the life of the offering.

         Total assets were  $450,065,000  at quarter end.  Common book value per
share was $10.65. The Company's Tier 1 capital to average assets ratio was 7.59%
as of March 31, 2001.

         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>
<CAPTION>

                                                REDWOOD EMPIRE BANCORP AND SUBSIDIARIES
                                            CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS

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

                                                                                          Three Months Ended
                                                                                               March 31,
                                                                                   2001                           2000

  <S>                                                                         <C>                            <C>
       Interest income                                                           $9,053                         $8,159
         Interest expense                                                         3,752                          3,220
         Net interest income                                                      5,301                          4,939
         Provision for loan losses                                                    -                            100
         Net interest income after provision for loan losses                      5,301                          4,839
         Service charge on deposit accounts                                         269                            277
         Merchant draft processing, net                                             813                            897
         Loan servicing income                                                       77                             40
         Net realized (losses)/gains on sale of investment
           securities available for sale                                              -                             (1)
         Other income                                                               206                            198
            Total noninterest income                                              1,365                          1,411
         Salaries and employee benefits                                           2,232                          2,150
         Occupancy and equipment expense                                            489                            501
         Other                                                                      929                          1,207
            Total noninterest expense                                             3,650                          3,858
         Income before tax                                                        3,016                          2,392
         Income tax expense                                                       1,229                            972
         Net income                                                              $1,787                         $1,420

         Basic earnings per share:
           Net income available for common stock shareholders                     $0.66                          $0.44
           Weighted average shares                                            2,720,000                      3,252,000

         Diluted earnings per share:
           Net income available for common stock shareholders                     $0.64                          $0.43
           Weighted average shares                                            2,794,000                      3,269,000

         Selected Ratios
         Annualized Return on Average Total Equity                                22.45%                         14.86%
         Annualized Return on Average Assets                                       1.63%                          1.33%

</TABLE>


<TABLE>
<CAPTION>
                                                                                    Selected Balance Sheet Data
                                                                                          (In Thousands)

                                                                               March 31,                      March 31,
                                                                                 2001                           2000

<S>                                                                            <C>                            <C>
         Total Loans, excluding mortgage loans held for sale                   $319,464                       $321,591
         Allowance for Loan Losses                                                7,696                          7,980
         Total Assets                                                           450,065                        435,130
         Total Deposits                                                         406,457                        383,638
         Equity Capital                                                          26,360                         39,125
         Nonperforming Assets                                                     1,775                          4,882

</TABLE>



<PAGE>


<TABLE>
<CAPTION>

                                                    REDWOOD EMPIRE BANCORP AND SUBSIDIARIES
                                                               BUSINESS SEGMENTS


                                                                                          Three Months Ended
                                                                                             March 31, 2001
                                                                                             (in thousands)
                                                                                 Community
                                                                                 Banking                       Bankcard

<S>                                                                              <C>                          <C>
         Total interest income                                                   $9,053                       $    ---
         Total interest expense                                                   3,749                              3
         Interest income (expense) allocation                                      (311)                           311
         Net interest income                                                      4,993                            308
         Provision for loan losses                                                  ---                            ---
         Service charge on deposit accounts                                         269                            ---
         Merchant draft processing, net                                             ---                            813
         Loan servicing income                                                       77                            ---
         Other income                                                               206                            ---
            Total noninterest income                                                552                            813
         Salaries and employee benefits                                           1,849                            383
         Occupancy and equipment expense                                            453                             36
         Other                                                                      801                            128
            Total noninterest expense                                             3,103                            547
         Income before income taxes                                               2,442                            574
         Provision for income taxes                                                 995                            234
         Net Income                                                              $1,447                           $340

</TABLE>


<TABLE>
<CAPTION>

                                                                                          Three Months Ended
                                                                                             March 31, 2000
                                                                                             (in thousands)
                                                                                 Community
                                                                                 Banking                       Bankcard

<S>                                                                              <C>                          <C>
         Total interest income                                                   $8,159                       $    ---
         Total interest expense                                                   3,220                            ---
         Interest income (expense) allocation                                      (295)                           295
         Net interest income                                                      4,644                            295
         Provision for loan losses                                                  100                            ---
         Service charge on deposit accounts                                         277                            ---
         Merchant draft processing, net                                             ---                            897
         Loan servicing income                                                       40                            ---
         Net realized (losses)/gains on sale of investment
           securities available for sale                                             (1)                           ---
         Other income                                                               198                            ---
            Total noninterest income                                                514                            897
         Salaries and employee benefits                                           1,869                            281
         Occupancy and equipment expense                                            461                             40
         Other                                                                    1,079                            128
            Total noninterest expense                                             3,409                            449
         Income before income taxes                                               1,649                            743
         Provision for income taxes                                                 670                            302
         Net Income                                                                $979                           $441
</TABLE>
[{"type": "8-K", "sequence": "1", "filename": "0001.txt", "description": "PRESS RELEASE", "secsgml_size_bytes": 19965}]
{"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": "1605393"}, "business-address": {"street1": "111 SANTA ROSA AVENUE", "street2": "PO BOX 402", "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: April 18, 2001

                             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 release for the following (article attached):

     Redwood Empire Bancorp  announces  first quarter 2001 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.

            04-18-01
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 Beckwith
                                              EVP/Chief Operating Officer
                                              (707) 522-5215

For Immediate Release

                         REDWOOD EMPIRE BANCORP REPORTS
           AN INCREASE OF 26% IN NET INCOME FOR THE FIRST QUARTER 2001

SANTA ROSA,  Calif.  (April 18, 2001) -- Redwood Empire Bancorp  (NASDAQ:  REBC)
today reported record income of $1,787,000,  or $0.64 per diluted share, for the
quarter  ended March 31, 2001 as  compared to  $1,420,000,  or $0.43 per diluted
share,  one year ago.  Return  on equity  was  22.45%  in the first  quarter  as
compared with 14.86% in the same quarter a year ago.  Return on assets was 1.63%
in the first  quarter  as  compared  to 1.33% one year  ago.  "We are  extremely
pleased  with  bottom  line  results,"  noted James  Beckwith,  Chief  Operating
Officer.  "Growing earning assets, reducing overhead costs, managing capital and
maintaining asset quality continue to be our key objectives," said Beckwith.

         Total average loans  amounted to  $318,639,000  as of March 31, 2001 as
compared to  $313,405,000  one year ago,  which  represents a  $5,234,000  or 2%
increase.  In the fourth quarter of 2000 the Company sold  $21,205,000 in single
family  residential  loans and  securitized  another  $17,949,000  as part of an
assets  repositioning  strategy.   Without  the  impact  of  the  single  family
residential loan sale and securitization, average loans grew $44,388,000 or 14%.
Total  deposits  averaged  to  $395,042,000  for  the  quarter  as  compared  to
$375,154,000 one year ago which amounts to a $19,888,000 or 5% increase.

         Net  interest  income  amounted  to  $5,301,000  in the first  quarter,
compared  to  $4,939,000  in the  same  period  in 2000  which  represents  a 7%
increase.  The increase in net interest income is attributable to an increase in
average earning assets of $15,800,000  from  $400,724,000  for the quarter ended
March 31,  2000 to  $416,524,000  for the  quarter  ended  March 31, 2001 and an
improvement in net interest  margin from 4.96% in first quarter of 2000 to 5.16%
in the first quarter of 2001.

         There was no loan loss  provision  for the quarter ended March 31, 2001
as compared to $100,000  one year ago.  Net  recoveries  were $22,000 or .03% of
average  portfolio  loans for the  quarter as  compared  to net  charge-offs  of
$51,000  or .07% one year ago.  Non-performing  assets  at March  31,  2001 were
$1,775,000  or .4% of total  assets,  as  compared to  non-performing  assets of
$1,960,000,  or .4% of total  assets,  as of December 31,  2000.  Non-performing
assets have declined  $185,000 or 9% during the three months of 2001.  The ratio
of the  allowance for loan losses to  nonperforming  assets was 434% as of March
31, 2001 as compared to 392% as of December  31,  2000.  "Maintaining  excellent
asset quality  continues to be a high priority for  management  and staff," said
Beckwith.
Noninterest  income  amounted to $1,365,000 for the quarter ended March
31, 2001 as compared to  $1,411,000 in the same period in 2000 or a 3% decrease.
The decline is attributable  to a decrease in merchant card processing  revenues
from  $897,000 in the first  quarter of 2000 to $813,000 in the first quarter of
2001. In the fourth quarter of 2000, a large merchant card  processing  contract
with an independent sales  organization  expired.  To help offset the decline in
merchant  bankcard  processing  revenue  brought about by the  expiration of the
contract  referenced  above,  the Company has been building its overall merchant
card processing  business through direct marketing efforts and new ISO business.
Excluding net revenue from merchant  bankcard  processing,  non interest  income
grew  $38,000  or 7% in the  first  quarter  of 2001 when  compared  to the same
quarter one year ago.

         Noninterest  expense  amounted to $3,650,000 for the quarter ended 2001
as compared to  $3,858,000  in the same period one year ago which  represents  a
decrease  of $208,000 or 5.4%.  The decline in  noninterest  expense is directly
attributable  to the  Company's  focus on improving  efficiency.  The  Company's
efficiency ratio for the first quarter of 2001 amounted to 54.76% as compared to
60.76% one year ago.

         For the three  months  ended  March 31,  2001 the  Company's  community
banking  segment earned  $1,447,000 on revenues of $5,545,000 as compared to net
income of $979,000 and revenues of  $5,158,000  one year ago. The  segment's 48%
improvement  in  earnings  is  attributable  to  earning  asset  growth,  margin
improvement and expense control.  The Company's bankcard segment earned $340,000
in the quarter  ended March 31,  2001  versus  $441,000 in the first  quarter of
2000.  The  decline in the  unit's net income is due to a decline in  processing
revenue  and an  increase in salary and  benefits  expenses.  The decline in the
segment's revenue is directly attributable to the expiration of a large merchant
bankcard  processing  contract as mentioned above. The merchant bankcard segment
net income comprised 19% of the Company's  consolidated net income for the first
quarter of 2001.

         In January and  February  2001 the Board of  Directors  authorized  the
repurchase of up to 10% of the  Company's  total shares  outstanding  or 285,000
shares in January 2001 and 257,000  shares in February  2001,  of which  426,200
shares  have been  repurchased  through  March 31,  2001.  Under the  repurchase
program,  the  Company  plans to  purchase  shares from time to time on the open
market and/or in privately negotiated transactions. The repurchase was funded in
part with proceeds received from a $10,000,000 pooled trust preferred securities
offering concluded on February 22, 2001. The financing, which qualifies for tier
1 capital  treatment,  bears an  interest  rate of 10.2% and is due in 30 years.
Debt issuance  costs  amounted to  approximately  $300,000 and will be amortized
over the life of the offering.

         Total assets were  $450,065,000  at quarter end.  Common book value per
share was $10.65. The Company's Tier 1 capital to average assets ratio was 7.59%
as of March 31, 2001.

         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 STATEMENTS OF OPERATIONS

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

                                                                                          Three Months Ended
                                                                                               March 31,
                                                                                   2001                           2000
Interest income                                                           $9,053                         $8,159
         Interest expense                                                         3,752                          3,220
         Net interest income                                                      5,301                          4,939
         Provision for loan losses                                                    -                            100
         Net interest income after provision for loan losses                      5,301                          4,839
         Service charge on deposit accounts                                         269                            277
         Merchant draft processing, net                                             813                            897
         Loan servicing income                                                       77                             40
         Net realized (losses)/gains on sale of investment
           securities available for sale                                              -                             (1)
         Other income                                                               206                            198
            Total noninterest income                                              1,365                          1,411
         Salaries and employee benefits                                           2,232                          2,150
         Occupancy and equipment expense                                            489                            501
         Other                                                                      929                          1,207
            Total noninterest expense                                             3,650                          3,858
         Income before tax                                                        3,016                          2,392
         Income tax expense                                                       1,229                            972
         Net income                                                              $1,787                         $1,420

         Basic earnings per share:
           Net income available for common stock shareholders                     $0.66                          $0.44
           Weighted average shares                                            2,720,000                      3,252,000

         Diluted earnings per share:
           Net income available for common stock shareholders                     $0.64                          $0.43
           Weighted average shares                                            2,794,000                      3,269,000

         Selected Ratios
         Annualized Return on Average Total Equity                                22.45%                         14.86%
         Annualized Return on Average Assets                                       1.63%                          1.33%
Selected Balance Sheet Data
                                                                                          (In Thousands)

                                                                               March 31,                      March 31,
                                                                                 2001                           2000
Total Loans, excluding mortgage loans held for sale                   $319,464                       $321,591
         Allowance for Loan Losses                                                7,696                          7,980
         Total Assets                                                           450,065                        435,130
         Total Deposits                                                         406,457                        383,638
         Equity Capital                                                          26,360                         39,125
         Nonperforming Assets                                                     1,775                          4,882
REDWOOD EMPIRE BANCORP AND SUBSIDIARIES
                                                               BUSINESS SEGMENTS

                                                                                          Three Months Ended
                                                                                             March 31, 2001
                                                                                             (in thousands)
                                                                                 Community
                                                                                 Banking                       Bankcard
Total interest income                                                   $9,053                       $    ---
         Total interest expense                                                   3,749                              3
         Interest income (expense) allocation                                      (311)                           311
         Net interest income                                                      4,993                            308
         Provision for loan losses                                                  ---                            ---
         Service charge on deposit accounts                                         269                            ---
         Merchant draft processing, net                                             ---                            813
         Loan servicing income                                                       77                            ---
         Other income                                                               206                            ---
            Total noninterest income                                                552                            813
         Salaries and employee benefits                                           1,849                            383
         Occupancy and equipment expense                                            453                             36
         Other                                                                      801                            128
            Total noninterest expense                                             3,103                            547
         Income before income taxes                                               2,442                            574
         Provision for income taxes                                                 995                            234
         Net Income                                                              $1,447                           $340
Three Months Ended
                                                                                             March 31, 2000
                                                                                             (in thousands)
                                                                                 Community
                                                                                 Banking                       Bankcard
Total interest income                                                   $8,159                       $    ---
         Total interest expense                                                   3,220                            ---
         Interest income (expense) allocation                                      (295)                           295
         Net interest income                                                      4,644                            295
         Provision for loan losses                                                  100                            ---
         Service charge on deposit accounts                                         277                            ---
         Merchant draft processing, net                                             ---                            897
         Loan servicing income                                                       40                            ---
         Net realized (losses)/gains on sale of investment
           securities available for sale                                             (1)                           ---
         Other income                                                               198                            ---
            Total noninterest income                                                514                            897
         Salaries and employee benefits                                           1,869                            281
         Occupancy and equipment expense                                            461                             40
         Other                                                                    1,079                            128
            Total noninterest expense                                             3,409                            449
         Income before income taxes                                               1,649                            743
         Provision for income taxes                                                 670                            302
         Net Income                                                                $979                           $441