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      Form 8-K 041106
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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"><strong>FORM
        8-K</strong></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">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.3; MARGIN-RIGHT: 0pt" align="center">
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          <table bgcolor="white" cellpadding="0" cellspacing="0" width="70%">

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                <td colspan="3" width="100%" style="border-bottom: black thin solid;">
                  <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman">&#160;&#160;&#160;April
                    20, 2006 (April 19, 2006)</font></div>
                </td>
              </tr>
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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="VNB 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 thin solid;">
                  <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><strong>&#160;VINEYARD
                    NATIONAL BANCORP</strong></div>
                </td>
              </tr>
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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;(Exact
                    name of registrant as specified in
                    its charter)</div>
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        <div>&#160;</div>
        <div>&#160;</div>
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                  <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">&#160;California</div>
                </td>
                <td width="40%" style="border-bottom: black thin 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 thin 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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              <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>
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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>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.3; MARGIN-RIGHT: 0pt" align="center">
        <table bgcolor="white" cellpadding="0" cellspacing="0" width="70%">

            <tr bgcolor="white">
              <td width="70%" style="border-bottom: black thin solid;">9590 Foothill
                Boulevard, Rancho Cucamonga, 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 thin solid;">&#160;91730</td>
            </tr>

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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 thin solid;">
                    <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">&#160;&#160;(909)
                      987-0177</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&#8217;s
                      telephone number, including area
                      code)</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 colspan="2" width="100%" style="border-bottom: black thin 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; FONT-FAMILY: 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; FONT-FAMILY: 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; FONT-FAMILY: 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; FONT-FAMILY: Wingdings">o</font>
          Pre-commencement
          communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR
          240.13e-4(c))</div>
      </div>
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    <div>&#160;</div>
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      <div>&#160;</div>
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        <div>&#160;</div>
        <div>&#160;</div>
      </div>
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        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

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              <td align="left" style="width: 9pt;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><strong>Item&#160;</strong></div>
              </td>
              <td align="left">
                <div align="left"><strong>1.01.&#160; Entry into a Material Definitive
                  Agreement.</strong></div>
              </td>
            </tr>

        </table>
      </div>
      <div align="center">&#160;</div>
    </div>
    <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">
        <div style="DISPLAY: block; MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.3; MARGIN-RIGHT: 0pt" align="justify">
          <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">
            <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">
              <div><font style="DISPLAY: inline; FONT-WEIGHT: normal; FONT-FAMILY: " size="3">On
                April 19, 2006, Vineyard National Bancorp (the "Company"), its wholly-owned
                subsidiary, Vineyard Bank (the "Bank"),&#160;and Rancho Bank&#160;("Rancho")
                entered into an Agreement and Plan of&#160;Reorganization (the "Agreement"),
                pursuant to which, among other things, Rancho will be merged with
                the Bank, with
                the&#160;Bank as the surviving&#160;entity&#160;(the "Merger").&#160; The Merger
                is described in more detail below, with such description qualified
                in its
                entirety by the full text of the Agreement, a copy of which&#160;is&#160;filed
                with this report as Exhibit 2.1 and is&#160;incorporated&#160;by reference
                herein.</font><font style="DISPLAY: inline; FONT-WEIGHT: normal; FONT-FAMILY: " size="3">&#160;
</font></div>
              <div>&#160;</div>
              <div><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman">Under
                the
                terms and conditions of the Agreement, which has been unanimously
                approved by
                the Board of Directors of each of the Company and Rancho, at the
                effective time
                and as a result of the Merger (the "Effective Time"), the Company
                will acquire
                all of the outstanding common stock of Rancho.&#160; Each
                Rancho&#160;shareholder&#160;will be entitled to receive&#160;cash consideration
                of $38.50 for each share of Rancho common stock&#160;held&#160;immediately prior
                to&#160;the Effective Time.&#160;&#160; Each holder of a Rancho&#160;stock
                option will be entitled to receive the excess of cash consideration
                of $38.50
                over the per share exercise price of the Rancho&#160;stock option, multiplied by
                the number of shares of Rancho&#160;common stock&#160;covered by such
                Rancho&#160;stock option.</font></div>
              <div>&#160;</div>
              <div>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman">Consummation
                  of the Merger is subject to certain conditions, including, among
                  others (i)
                  approval of Rancho's shareholders, (ii) absence of any order or
                  injunction
                  prohibiting the consummation of the Merger, (iii) the receipt of
                  certain&#160;regulatory&#160;approvals and (iv) the accuracy of representations
                  and warranties made by the Company, the Bank, or Rancho, as applicable.
                  The
                  Agreement contains certain termination rights for the Company,
                  the Bank&#160;and
                  Rancho. </font></div>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
              </div>
              <div>Other than the Agreement, there is no material relationship between
                the
                Company or its affiliates and Rancho.</div>
              <div>&#160;</div>
            </div>
          </div>
        </div>
      </div>
      <div>
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td align="left" style="width: 9pt;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><strong>Item&#160;
</strong></div>
              </td>
              <td align="left">
                <div align="left"><strong>7.01.&#160; Regulation FD
                  Disclosure</strong></div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
        <div style="MARGIN-LEFT: 36pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman">On
          April
          20, 2006,&#160;the Company&#160;issued a joint press release with Rancho,
          announcing that it had entered into the Agreement described in Item 1.01
          and
          announcing the Company's upcoming webcast and conference call.&#160; A
</font><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman">copy
          of
          the press release is&#160;filed with&#160;this&#160;report as Exhibit 99.1 and
          is incorporated herein by reference. </font></div>
      </div>
      <div style="MARGIN-LEFT: 9pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">&#160;</div>
      <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
        <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

            <tr valign="top" style="line-height: 1.25;">
              <td align="left" style="width: 9pt;">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><strong>Item&#160;
</strong></div>
              </td>
              <td align="left">
                <div align="left"><strong>9.01.&#160; Financial Statements and
                  Exhibits</strong></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">(a)&#160;&#160;&#160;
Not
        applicable <br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">(b)&#160;&#160;&#160;
Not
        applicable</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">(c)&#160;&#160;&#160;
Not
        applicable<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">(d)&#160;&#160;&#160;&#160;The
        following&#160;exhibits
        are&#160;included with this
        Report:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<br><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;</font></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;&#160;<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 9pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">
        <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">
          <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman">&#160;&#160;&#160;&#160;Exhibit
            2.1&#160;<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160; Agreement
            and&#160;Plan of&#160;Reorganization dated April 19, 2006,&#160;among the
            Company, the Bank, and Rancho.</font></div>
          <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman">&#160;&#160;&#160;&#160;Exhibit
            99.1&#160;<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160; </font>Joint
            press release announcing the signing of the&#160;Agreement and Plan of
            Reorganization.<font id="TAB2" style="LETTER-SPACING: 9pt">&#160;&#160;&#160;</font>&#160;&#160;&#160;&#160;&#160;
</font></div>
          <div>
          </div>
          <div>
          </div>
          <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.3; MARGIN-RIGHT: 0pt" align="left">
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        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 thereunto
        duly authorized.&#160;</font></div>
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                  <td>&#160;</td>
                  <td colspan="2"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman"><strong>VINEYARD
                    NATIONAL BANCORP</strong></font></td>
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                      April 20, 2006</font></div>
                  </td>
                  <td><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman">By:&#160;&#160;</font></td>
                  <td><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman"><em>/s/
                    Gordon Fong</em></font></td>
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                    Gordon Fong</td>
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                  <td><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman">Executive
                    Vice President and Chief Financial
                    Officer</font></td>
                </tr>

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{"company-data": {"conformed-name": "VINEYARD NATIONAL BANCORP", "cik": "0000840256", "assigned-sic": "6021", "irs-number": "330309110", "state-of-incorporation": "CA", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "001-31796", "film-number": "06768645"}, "business-address": {"street1": "9590 FOOTHILL BLVD", "city": "RANCHO CUCAMONGA", "state": "CA", "zip": "91730", "phone": "9099870177"}, "mail-address": {"street1": "9590 FOOTHILL BLVD", "city": "RANCHO CUCAMONGA", "state": "CA", "zip": "91730"}}
Form 8-K 041106
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
April
                    20, 2006 (April 19, 2006)
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.)
9590 Foothill
                Boulevard, Rancho Cucamonga, California
91730
(Address of principal executive offices)
(Zip Code)
(909)
                      987-0177
(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
                April 19, 2006, Vineyard National Bancorp (the "Company"), its wholly-owned
                subsidiary, Vineyard Bank (the "Bank"), and Rancho Bank ("Rancho")
                entered into an Agreement and Plan of Reorganization (the "Agreement"),
                pursuant to which, among other things, Rancho will be merged with
                the Bank, with
                the Bank as the surviving entity (the "Merger").  The Merger
                is described in more detail below, with such description qualified
                in its
                entirety by the full text of the Agreement, a copy of which is filed
                with this report as Exhibit 2.1 and is incorporated by reference
                herein.
Under
                the
                terms and conditions of the Agreement, which has been unanimously
                approved by
                the Board of Directors of each of the Company and Rancho, at the
                effective time
                and as a result of the Merger (the "Effective Time"), the Company
                will acquire
                all of the outstanding common stock of Rancho.  Each
                Rancho shareholder will be entitled to receive cash consideration
                of $38.50 for each share of Rancho common stock held immediately prior
                to the Effective Time.   Each holder of a Rancho stock
                option will be entitled to receive the excess of cash consideration
                of $38.50
                over the per share exercise price of the Rancho stock option, multiplied by
                the number of shares of Rancho common stock covered by such
                Rancho stock option.
Consummation
                  of the Merger is subject to certain conditions, including, among
                  others (i)
                  approval of Rancho's shareholders, (ii) absence of any order or
                  injunction
                  prohibiting the consummation of the Merger, (iii) the receipt of
                  certain regulatory approvals and (iv) the accuracy of representations
                  and warranties made by the Company, the Bank, or Rancho, as applicable.
                  The
                  Agreement contains certain termination rights for the Company,
                  the Bank and
                  Rancho.
Other than the Agreement, there is no material relationship between
                the
                Company or its affiliates and Rancho.
Item
7.01.  Regulation FD
                  Disclosure
On
          April
          20, 2006, the Company issued a joint press release with Rancho,
          announcing that it had entered into the Agreement described in Item 1.01
          and
          announcing the Company's upcoming webcast and conference call.  A
copy
          of
          the press release is filed with this report as Exhibit 99.1 and
          is incorporated herein by reference.
Item
9.01.  Financial Statements and
                  Exhibits
(a)   
Not
        applicable
(b)   
Not
        applicable
(c)   
Not
        applicable
(d)    The
        following exhibits
        are included with this
        Report:
Exhibit
            2.1
Agreement
            and Plan of Reorganization dated April 19, 2006, among the
            Company, the Bank, and Rancho.
Exhibit
            99.1
Joint
            press release announcing the signing of the Agreement and Plan of
            Reorganization.
SIGNATURE
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 thereunto
        duly authorized.
VINEYARD
                    NATIONAL BANCORP
Date:
                      April 20, 2006
By:
/s/
                    Gordon Fong
Gordon Fong
Executive
                    Vice President and Chief Financial
                    Officer