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 (Date of earliest event reported): October 15, 2003


                          Indian River Banking Company
             (Exact name of registrant as specified in its charter)

            Florida                                              59-2931518
(State or other jurisdiction of                              (I.R.S. Employer
incorporation or organization)                              Identification No.)

     958 20th Place, Vero Beach, FL                                  32960
(Address of principal executive offices)                          (Zip Code)


        Registrant's telephone number, including area code: 772.569.9200


<PAGE>

Item 7. Financial Statements, Pro Forma Financial Information and Exhibits.
---------------------------------------------------------------------------

(a) Exhibits:

Exhibit No.                         Description
-----------                         -----------

99.1                       Press Release

Item 9. Regulation FD Disclosure.
---------------------------------
Item 12.  Results of Operations and Financial Condition.
--------------------------------------------------------

         On October 15, 2003, Indian River Banking Company issued the press
release attached as Exhibit 99.1.


<PAGE>

                                   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.



                                                 INDIAN RIVER BANKING COMPANY

                                                 By: /s/ Paul A. Beindorf
                                                     ---------------------------
                                                     Paul A. Beindorf, President


Dated: October 15, 2003
[{"type": "8-K", "sequence": "1", "filename": "form8k.txt", "description": "FORM 8-K", "secsgml_size_bytes": 2121}]
{"company-data": {"conformed-name": "INDIAN RIVER BANKING COMPANY", "cik": "0000846382", "assigned-sic": "6021", "irs-number": "592931518", "state-of-incorporation": "FL"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-32643", "film-number": "03941313"}, "business-address": {"street1": "958 20TH PL", "city": "VERO BEACH", "state": "FL", "zip": "32960", "phone": "4075699200"}, "mail-address": {"street1": "958 20TH PL", "city": "VERO BEACH", "state": "FL", "zip": "32960"}}
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 (Date of earliest event reported): October 15, 2003

                          Indian River Banking Company
             (Exact name of registrant as specified in its charter)

            Florida                                              59-2931518
(State or other jurisdiction of                              (I.R.S. Employer
incorporation or organization)                              Identification No.)

     958 20th Place, Vero Beach, FL                                  32960
(Address of principal executive offices)                          (Zip Code)

        Registrant's telephone number, including area code: 772.569.9200
Item 7. Financial Statements, Pro Forma Financial Information and Exhibits.
---------------------------------------------------------------------------

(a) Exhibits:

Exhibit No.                         Description
-----------                         -----------

99.1                       Press Release

Item 9. Regulation FD Disclosure.
---------------------------------
Item 12.  Results of Operations and Financial Condition.
--------------------------------------------------------

         On October 15, 2003, Indian River Banking Company issued the press
release attached as Exhibit 99.1.
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.

                                                 INDIAN RIVER BANKING COMPANY

                                                 By: /s/ Paul A. Beindorf
                                                     ---------------------------
                                                     Paul A. Beindorf, President

Dated: October 15, 2003