UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              Washington, DC 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 reported)    February 13, 2007
                                           --------------------


                            American River Bankshares
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             (Exact name of registrant as specified in its chapter)


         California                   0-31525                   68-0352144
----------------------------        ------------           -------------------
(State or other jurisdiction        (Commission              (IRS Employer
      Of incorporation)             File Number)           Identification No.)


3100 Zinfandel Drive, Suite 450, Rancho Cordova, CA               95670
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(Address of principal executive offices)                       (Zip Code)


Registrant's telephone number, including area code            (916) 231-6700
                                                           -----------------


Check the appropriate box below if the Form 8-K is intended to simultaneously
satisfy the filing obligation of the registrant under any of the following
provisions:

[ ]  Written communication pursuant to Rule 425 under the Securities Act
     (17 CFR 230.425)

[ ]  Solicitation material pursuant to Rule 14a-12 under the Exchange Act
     (17 CFR 240.14a-12)

[ ]  Pre-commencement communications pursuant to Rule 14d-2(b) under the
     Exchange Act (17 CFR 240.14d-2(b))

[ ]  Pre-commencement communications pursuant to Rule 13e-4(c) under the
     Exchange Act (17 CFR 240.13e-4(c))

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The Index to Exhibits is on Page 3



Item 7.01  Regulation FD Disclosure

The Company is furnishing (not filing) an investor slide presentation as Exhibit
99.1 on this Current Report on Form 8-K pursuant to Regulation FD. On Tuesday,
February 13, 2007 beginning at approximately 8:00 a.m. Pacific Time, American
River Bankshares President and Chief Executive Officer David T. Taber will give
a presentation of the Company's business strategies and financial performance to
potential investors. Presentation materials will also be available online at
www.amrb.com.


Item 9.01. Financial Statements and Exhibits.

(c)      Exhibits

         (99.1)   Investor presentation dated February 13, 2007




                                   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.

                                    AMERICAN RIVER BANKSHARES


                                    /s/ MITCHELL A. DERENZO
                                    --------------------------------------------
February 13, 2007                   Mitchell A. Derenzo, Chief Financial Officer



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INDEX TO EXHIBITS


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

99.1               Investor Presentation of American River               4
                   Bankshares dated February 13, 2007












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