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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">
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                <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;November
                    19,&#160;2007&#160;(November 13,
                    2007)</div>
                </td>
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                <td colspan="3" width="100%">
                  <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">&#160;&#160;&#160;Date
                    of Report (Date of earliest event
                    reported)</div>
                </td>
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          </table>
        </div>
        <div>&#160;</div>
        <div><img src="logo.jpg" alt=""></div>
        <div>&#160;</div>
        <div>
          <table bgcolor="white" cellpadding="0" cellspacing="0" width="70%">

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

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

          </table>
        </div>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.3; MARGIN-RIGHT: 0pt" align="center">
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                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">&#160;(State
                  or other jurisdiction of incorporation)</div>
              </td>
              <td width="40%">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">&#160;(Commission
                  File Number)</div>
              </td>
              <td width="30%">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">&#160;(IRS
                  Employer Identification
                  No.)</div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 18pt; LINE-HEIGHT: 1.3; MARGIN-RIGHT: 0pt" align="center"><font id="TAB1" style="LETTER-SPACING: 9pt;">&#160;&#160;&#160;</font><font id="TAB1" style="LETTER-SPACING: 9pt;">&#160;&#160;&#160;</font><font id="TAB1" style="LETTER-SPACING: 9pt;">&#160;&#160;</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 18pt; LINE-HEIGHT: 1.3; MARGIN-RIGHT: 0pt" align="center">&#160;<font id="TAB1" style="LETTER-SPACING: 9pt;">&#160;&#160;&#160;</font>&#160;<font id="TAB1" style="LETTER-SPACING: 9pt;">&#160;&#160;&#160;</font>&#160;<font id="TAB1" style="LETTER-SPACING: 9pt;">&#160;&#160;&#160;</font>&#160;<font id="TAB1" style="LETTER-SPACING: 9pt;">&#160;&#160;&#160;</font>&#160;<font id="TAB1" style="LETTER-SPACING: 9pt;">&#160;&#160;&#160;</font>&#160;<font id="TAB1" style="LETTER-SPACING: 9pt;">&#160;&#160;&#160;</font>&#160;<font id="TAB1" style="LETTER-SPACING: 9pt;">&#160;&#160;&#160;</font>&#160;<font id="TAB1" style="LETTER-SPACING: 9pt;">&#160;&#160;&#160;</font>&#160;<font id="TAB1" style="LETTER-SPACING: 9pt;">&#160;&#160;&#160;</font>&#160;</div>
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        <table bgcolor="white" cellpadding="0" cellspacing="0" width="70%">

            <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>
            </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 2px solid">
                    <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">&#160;&#160;(951)271-4232</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;(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>
                <tr bgcolor="white">
                  <td colspan="2" width="100%">
                    <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">&#160;&#160;(Former
                      name, former address and former fiscal
                      year, if changed since last
                      report)</div>
                  </td>
                </tr>

            </table>
          </div>
        </div>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.3; MARGIN-RIGHT: 0pt" align="center">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.3; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.3; MARGIN-RIGHT: 0pt" align="center">
        <div style="DISPLAY: block; MARGIN-LEFT: 9pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">Check
          the appropriate box below if the Form 8-K filing is intended
          to simultaneously satisfy the filing obligation of the registrant under
          any of
          the following provisions (see General Instruction A.2. below):</div>
        <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
        <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB2" style="LETTER-SPACING: 9pt;">&#160;&#160;&#160;</font>&#160;<font style="DISPLAY: inline;" face="Wingdings">o</font>
          Written communications
          pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</div>
        <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB2" style="LETTER-SPACING: 9pt;">&#160;&#160;&#160;</font>&#160;<font style="DISPLAY: inline;" face="Wingdings">o</font>
          Soliciting material
          pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</div>
        <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB2" style="LETTER-SPACING: 9pt;">&#160;&#160;&#160;</font>&#160;<font style="DISPLAY: inline;" face="Wingdings">o</font>
          Pre-commencement
          communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR
          240.14d-2(b))</div>
        <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB2" style="LETTER-SPACING: 9pt;">&#160;&#160;&#160;</font>&#160;<font style="DISPLAY: inline;" face="Wingdings">o</font>
          Pre-commencement
          communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR
          240.13e-4(c))</div>
      </div>
    </div>
    <div>&#160;</div>
    <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 style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.3; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
    </div>
    <div>
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                <td align="left" valign="top" width="3%">
                  <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;"><strong>Item&#160;</strong></font></div>
                </td>
                <td align="left" valign="top" width="97%">
                  <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;"><strong>8.01.&#160;
                    Other Events</strong></font></div>
                </td>
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        </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: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman;">On
          November 13, 2007, Vineyard National Bancorp (the "Company") entered into
          an
          agreement to acquire all of the issued and outstanding capital stock of
          1031
          Exchange Advantage, Inc.&#160;and 1031 Funding and Reverse Corp. (collectively,
          the &#8220;Exchange Accommodators&#8221;), which together held approximately
          $30&#160;million in exchange balances at September 30, 2007.&#160;&#160;Pursuant
          to the terms of the agreement, the Exchange Accommodators will become
          wholly-owned subsidiaries of the Company (the &#8220;Acquisition&#8221;), with David P.
          Greenberger continuing to serve as their President and Chief Executive
          Officer.</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: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman;">The
          Company will pay a purchase price for the issued and outstanding capital
          stock
          of the Exchange Accommodators consisting of (1) an initial cash payment
          upon
          closing of the Acquisition in an amount equal to 2.625% of the Exchange
          Accommodators&#8217; average client deposit balances over the six months preceding the
          closing of the Acquisition, and (2) future cash payments over a four-year
          period
          following the closing of the Acquisition in an aggregate amount not to
          exceed
          4.875% of the Exchange Accommodators&#8217; average client deposit balances over the
          six months preceding the closing the Acquisition, subject to reduction,
          based
          upon the operational performance of the Exchange Accommodators over such
          four-year period.</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: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman;">The
          Acquisition, which is subject to the satisfaction of certain closing
          conditions,&#160;&#160;is expected to occur in late November or early December
          of 2007.</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: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman;">On
          November 19, 2007,&#160;the Company&#160;issued a joint press release with the
          Exchange Accommodators announcing that it had entered into the agreement
          described above.&#160; A 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 style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
        <div>
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              <tr>
                <td align="left" valign="top" width="3%">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><strong>Item&#160;</strong></div>
                </td>
                <td align="left" valign="top" width="97%">
                  <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" 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; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
        <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman;">(a)&#160;&#160;&#160;
          Not applicable</font></div>
        <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman;">(b)&#160;&#160;&#160;
          Not applicable</font></div>
        <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman;">(c)&#160;&#160;&#160;
          Not applicable&#160;&#160;&#160;&#160;</font></div>
        <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman;">(d)&#160;&#160;&#160;&#160;The
          following&#160;exhibits are&#160;included with this
          Report:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></div>
        <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></div>
        <div>
          <table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%">

              <tr valign="top">
                <td style="WIDTH: 36pt">
                  <div>&#160;</div>
                </td>
                <td style="WIDTH: 27pt">
                  <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left">&#160;&#160;&#160;</div>
                </td>
                <td>
                  <div align="left">Exhibit 99.1&#160;Joint press release announcing the
                    signing of the&#160;agreement.</div>
                </td>
              </tr>

          </table>
        </div>
        <div><br></div>
        <div>&#160;</div>
      </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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      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman;"><strong>SIGNATURE</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 27pt; LINE-HEIGHT: 1.25; 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="justify"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman;">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.&#160;</font></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="left">
        <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.3; MARGIN-RIGHT: 0pt" align="left">
          <div>
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                <tr valign="top" bgcolor="#ffffff">
                  <td width="50%">&#160;</td>
                  <td width="1%">&#160;</td>
                  <td width="49%">&#160;</td>
                </tr>
                <tr valign="top" bgcolor="#ffffff">
                  <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>
                </tr>
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                      November 19, 2007</font></div>
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                  <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>
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[{"type": "8-K", "sequence": "1", "filename": "merger1031.htm", "description": "FORM 8-K MERGER ANNOUNCEMENT", "secsgml_size_bytes": 27545}]
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merger1031.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
November
                    19, 2007 (November 13,
                    2007)
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
8.01. 
                    Other Events
On
          November 13, 2007, Vineyard National Bancorp (the "Company") entered into
          an
          agreement to acquire all of the issued and outstanding capital stock of
          1031
          Exchange Advantage, Inc. and 1031 Funding and Reverse Corp. (collectively,
          the "Exchange Accommodators"), which together held approximately
          $30 million in exchange balances at September 30, 2007.  Pursuant
          to the terms of the agreement, the Exchange Accommodators will become
          wholly-owned subsidiaries of the Company (the "Acquisition"), with David P.
          Greenberger continuing to serve as their President and Chief Executive
          Officer.
The
          Company will pay a purchase price for the issued and outstanding capital
          stock
          of the Exchange Accommodators consisting of (1) an initial cash payment
          upon
          closing of the Acquisition in an amount equal to 2.625% of the Exchange
          Accommodators' average client deposit balances over the six months preceding the
          closing of the Acquisition, and (2) future cash payments over a four-year
          period
          following the closing of the Acquisition in an aggregate amount not to
          exceed
          4.875% of the Exchange Accommodators' average client deposit balances over the
          six months preceding the closing the Acquisition, subject to reduction,
          based
          upon the operational performance of the Exchange Accommodators over such
          four-year period.
The
          Acquisition, which is subject to the satisfaction of certain closing
          conditions,  is expected to occur in late November or early December
          of 2007.
On
          November 19, 2007, the Company issued a joint press release with the
          Exchange Accommodators announcing that it had entered into the agreement
          described above.  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 99.1 Joint press release announcing the
                    signing of the agreement.
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:
                      November 19, 2007
By:
/s/
                    Gordon Fong
Gordon Fong
Executive
                    Vice President and Chief Financial
                    Officer