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<SEC-DOCUMENT>0000939057-03-000265.txt : 20030912
<SEC-HEADER>0000939057-03-000265.hdr.sgml : 20030912
<ACCEPTANCE-DATETIME>20030912145651
ACCESSION NUMBER:		0000939057-03-000265
CONFORMED SUBMISSION TYPE:	8-K/A
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030718
ITEM INFORMATION:		Other events
ITEM INFORMATION:		Financial statements and exhibits
FILED AS OF DATE:		20030912

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			RIVERVIEW BANCORP INC
		CENTRAL INDEX KEY:			0001041368
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				911838969
		STATE OF INCORPORATION:			WA
		FISCAL YEAR END:			0331

	FILING VALUES:
		FORM TYPE:		8-K/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-22957
		FILM NUMBER:		03893707

	BUSINESS ADDRESS:	
		STREET 1:		900 WASHINGTON STREET
		STREET 2:		SUITE 900
		CITY:			VANCOUVER
		STATE:			WA
		ZIP:			98660
		BUSINESS PHONE:		360-693-6650

	MAIL ADDRESS:	
		STREET 1:		900 WASHINGTON STREET
		STREET 2:		SUITE 900
		CITY:			VANCOUVER
		STATE:			WA
		ZIP:			98660
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K/A
<SEQUENCE>1
<FILENAME>revsd8k.htm
<DESCRIPTION>RIVERVIEW FORM 8-K/A
<TEXT>
<HTML>
<BODY>

<BR><BR><BR><BR><BR>
<FONT FACE="Times New Roman, Times, Serif" SIZE=3>
<P><CENTER>SECURITIES AND EXCHANGE COMMISSION<BR>WASHINGTON, D.C. 20549</CENTER></P>

<BR>
<P><CENTER><FONT SIZE="+1"><STRONG>FORM 8-K/A</STRONG></FONT></CENTER></P>
<BR>

<P><CENTER>CURRENT REPORT<BR><BR>PURSUANT TO SECTION 13 OR 15 (d) OF THE<BR><BR>
SECURITIES EXCHANGE ACT OF 1934</CENTER></P>

<BR><BR>
<P><CENTER>Date of Report&nbsp; (Date of earliest event reported):&nbsp; July 18, 2003</CENTER></P>

<BR>
<BR>
<P><CENTER><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Riverview Bancorp, Inc.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U><BR>
(Exact name of registrant as specified in its charter)</CENTER></P>

<BR><BR>
<table width=84% align=center>
<tr>
<td width=28% align=center valign=top></td>
<td width=28% align=center valign=top></td>
<td width=28% align=center valign=top></td>
</tr>

<tr>
<td width=28% align=center valign=top><u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Washington&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u></td>
<td width=28% align=center valign=top><u>&nbsp;&nbsp;&nbsp;&nbsp;0-22957&nbsp;&nbsp;&nbsp;&nbsp;</u></td>
<td width=28% align=center valign=top><u>&nbsp;&nbsp;&nbsp;&nbsp;91-1838969&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u></td>
</tr>

<tr>
<td width=28% align=center valign=top>State or other jurisdiction<br>of incorporation</td>
<td width=28% align=center valign=top>Commission<br>File Number</td>
<td width=28% align=center valign=top>(I.R.S. Employer<br>Identification No.)</td>
</tr>
</table>

<BR><BR>
<table width=84% align=center>
<tr>
<td width=54% align=left valign=top></td>
<td width=30% align=center valign=top></td>
</tr>

<tr>
<td width=54% align=left valign=top><U>900 Washington Street, Suite 900, Vancouver, Washington</U></td>
<td width=30% align=center valign=top><U>&nbsp;&nbsp;&nbsp;&nbsp;98660&nbsp;&nbsp;&nbsp;&nbsp;</U></td>
</tr>


<tr>
<td width=54% align=left valign=top>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(Address of principal executive offices)</td>
<td width=30% align=center valign=top>(Zip Code)</td>
</tr>
</table>

<BR>
<P><CENTER>Registrant's telephone number (including area code)  (360) 693-6650</CENTER></P>

<BR>
<P><CENTER><U>&nbsp;&nbsp;Not Applicable&nbsp;&nbsp;</U><BR>
(Former name or former address, if changed since last report)</CENTER></P>

<br><br>
<p align=center><font size=2></p>
<p align=left><b><font size="1">&lt;PAGE&gt;</b><hr noshade size=2 width=100%>
<font size="3"></p>
<br>

<P><STRONG><U>Item 5.&nbsp;&nbsp;&nbsp;Other Events</U></STRONG></P>

<BR>
<P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As reported by Riverview Bancorp, Inc. ("Riverview") on its Current Report on Form 8-K dated July 18, 2003 and filed with the Securities and Exchange Commission on July 28, 2003, Riverview and its wholly-owned subsidiary, Riverview Community Bank consummated the previously announced acquisition of Today's Bancorp, Inc. ("Today's Bancorp") and its wholly-owned subsidiary, Today's Bank, pursuant to the Agreement and Plan of Merger, dated as of February 5, 2003, by and between Riverview and Today's Bancorp (the "Merger Agreement"). </P>

<BR>
<P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The merger was completed through the merger of Today's Bancorp with and into Riverview with Riverview being the surviving corporation in the merger.  Pursuant to the terms of the Merger Agreement, Today's Bancorp shareholders who elected to receive Riverview stock received 430,733
shares of Riverview common stock and Today's Bancorp shareholders who elected to receive cash
received $13.6361 in cash for each share of Today's Bancorp common stock.  Today's Bancorp
shareholders who did not submit properly completed election forms within the required time frame
received $13.6361 in cash for each share of Today's Bancorp stock.  Riverview issued a total of
approximately 430,733 shares and paid a total of approximately $9.5 million in cash to the former
Today's Bancorp shareholders.  Riverview issued the stock consideration out of its authorized but
unissued shares and received dividends from Riverview Community Bank to pay the cash
consideration.</P>

<BR>
<P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This Current Report on Form 8-K/A amends the Current Report on Form 8-K dated July 18, 2003 to include Item 7(a) Financial Statements and Item 7(b) Pro Forma Financial Information.</P>

<BR>
<P><STRONG><U>Item 7.&nbsp;&nbsp;&nbsp;Financial Statements, Pro Forma Financial Information and Exhibits</U></STRONG></P>

<BR>

<p style="margin-left: .25 in; margin-right: .15 in" align=justify>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)<EM>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Financial Statements of Businesses Acquired.</EM></P>

<BR>
<p style="margin-left: .25 in; margin-right: .15 in" align=justify>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The historical consolidated financial statements of Today's Bancorp, including its consolidated balance sheets as of December 31, 2002 and 2001, and the related consolidated statements of operations and comprehensive income (loss), changes in stockholders' equity and cash flows for each of the years then ended, which are included in Riverview's Registration Statement on Form S-4 (File No. 333-104538), are incorporated herein by reference.</P>

<BR>
<p style="margin-left: .25 in; margin-right: .15 in" align=justify>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)<EM>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pro Forma Financial Information.</EM></P>

<BR>
<p style="margin-left: .25 in; margin-right: .15 in" align=justify>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The unaudited pro forma condensed combined financial statements set forth below reflect consummation of the merger between Riverview and Today's Bancorp as if the merger had been consummated on June 30, 2003.  The unaudited pro forma condensed combined statements of
income for Riverview for the three months ended June 30, 2003 and 2002 and for Today's Bancorp
for the three months ended March 31, 2003 and 2002 were prepared as if the merger had been
consummated on April 1, 2002.</P>

<BR>
<p style="margin-left: .25 in; margin-right: .15 in" align=justify>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The unaudited pro forma condensed combined financial statements and notes thereto reflect the application of the purchase method of accounting.  Under the purchase method of accounting, the assets and liabilities of Today's Bancorp are recorded on the books of Riverview at their fair
value as of the effective time of the merger.  The difference between the cost of Today's Bancorp
and the fair value of its identifiable assets, less the fair value of its liabilities, will be recorded as
goodwill.  The unaudited pro forma condensed combined financial statements included herein are
not necessarily indicative of the future results of operations or the future financial position of the
combined entities or the results of operations and financial position of the combined entities that
would have actually occurred had the transactions been in effect as of the dates or for the periods
presented.  Such information does not include any pro forma adjustments relating to any future
revenue enhancements and reductions in expenses that may be realized.  </P>


<br><br>
<p align=center><font size=2></p>
<p align=left><b><font size="1">&lt;PAGE&gt;</b><hr noshade size=2 width=100%>
<font size="3"></p>
<br>

<P ALIGN="CENTER">RIVERVIEW BANCORP, INC.<BR>
TODAY'S BANCORP, INC.<BR>
<FONT SIZE="-1">Unaudited Pro Forma Condensed Combined Balance Sheet<BR>
(In thousands, except share data)</FONT></P>

<BR>
<TABLE WIDTH="100%">
<TR VALIGN="TOP"><TD></TD>
<TD ALIGN="CENTER">6/30/2003</TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER">3/31/2003</TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD></TR>

<TR VALIGN="TOP"><TD></TD>
<TD ALIGN="CENTER">Riverview</TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER">Today's</TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER">Pro Forma</TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER">Combined</TD></TR>

<TR VALIGN="TOP"><TD></TD>
<TD ALIGN="CENTER">Bancorp, Inc.<hr noshade size=2 width=100%></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER">Bancorp, Inc.<hr noshade size=2 width=100%></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER">Adjustments<hr noshade size=2 width=100%></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER">Entities<hr noshade size=2 width=100%></TD></TR>

<TR VALIGN="TOP"><TD>ASSETS</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD>Cash including interest-earning accounts</TD>
<TD ALIGN="RIGHT"> $     88,939 </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"> $     12,638 </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"> $      (9,507)</TD>
<TD ALIGN="RIGHT"> (2) </TD>
<TD ALIGN="RIGHT"> $     92,070 </TD></TR>

<TR VALIGN="TOP"><TD></TD>
<TD ALIGN="RIGHT">                - </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                - </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">           (351)</TD>
<TD ALIGN="RIGHT"> (2) </TD>
<TD ALIGN="RIGHT">           (351)</TD></TR>

<TR VALIGN="TOP"><TD>Loans held for sale</TD>
<TD ALIGN="RIGHT">         1,308 </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                - </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                - </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">         1,308 </TD></TR>

<TR VALIGN="TOP"><TD>Investment securities held to maturity, at amortized cost</TD>
<TD ALIGN="RIGHT">                - </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                - </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                - </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                - </TD></TR>

<TR VALIGN="TOP"><TD>Investment securities available for sale, at fair value</TD>
<TD ALIGN="RIGHT">        19,745 </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">        13,833 </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                - </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">        33,578 </TD></TR>

<TR VALIGN="TOP"><TD>Mortgage-backed securities held to maturity, at amortized cost</TD>
<TD ALIGN="RIGHT">               3,087 </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                - </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                - </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">         3,087 </TD></TR>

<TR VALIGN="TOP"><TD>Mortgage-backed securities available for sale, at fair value</TD>
<TD ALIGN="RIGHT">        10,109 </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">            665 </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                - </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">        10,774 </TD></TR>

<TR VALIGN="TOP"><TD>Loans receivable (net of allowance for loan losses)</TD>
<TD ALIGN="RIGHT">      296,451 </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">        88,129 </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">            922 </TD>
<TD ALIGN="RIGHT"> (3)</TD>
<TD ALIGN="RIGHT">      385,502</TD></TR>

<TR VALIGN="TOP"><TD>Real estate owned</TD>
<TD ALIGN="RIGHT">            445 </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">            328 </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                - </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">            773 </TD></TR>

<TR VALIGN="TOP"><TD>Prepaid expenses and other assets</TD>
<TD ALIGN="RIGHT">         1,033 </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">            289 </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                - </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">         1,322 </TD></TR>

<TR VALIGN="TOP"><TD>Accrued interest receivable</TD>
<TD ALIGN="RIGHT">         1,418 </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">            714 </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                - </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">         2,132 </TD></TR>

<TR VALIGN="TOP"><TD>Federal Home Loan Bank stock, at cost</TD>
<TD ALIGN="RIGHT">         5,706 </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">            159 </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                - </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">         5,865 </TD></TR>

<TR VALIGN="TOP"><TD>Premises and equipment, net</TD>
<TD ALIGN="RIGHT">         9,497 </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">         1,273 </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">           (101)</TD>
<TD ALIGN="RIGHT"> (3)</TD>
<TD ALIGN="RIGHT">        10,669 </TD></TR>

<TR VALIGN="TOP"><TD>Deferred income taxes, net</TD>
<TD ALIGN="RIGHT">         1,607 </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">         1,264 </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                (200)</TD>
<TD ALIGN="RIGHT">(3)</TD>
<TD ALIGN="RIGHT">         2,671 </TD></TR>

<TR VALIGN="TOP"><TD>Mortgage servicing rights, net</TD>
<TD ALIGN="RIGHT">            481 </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                - </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                - </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">            481 </TD></TR>

<TR VALIGN="TOP"><TD>Core deposit intangible, net</TD>
<TD ALIGN="RIGHT">            287 </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                - </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">            820 </TD>
<TD ALIGN="RIGHT"> (3)</TD>
<TD ALIGN="RIGHT">         1,107 </TD></TR>

<TR VALIGN="TOP"><TD>Goodwill</TD>
<TD ALIGN="RIGHT">                - <hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                - <hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">         7,805 <hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"> (4)</TD>
<TD ALIGN="RIGHT">         7,805 <hr noshade size=2 width=100%></TD></TR>

<TR VALIGN="TOP"><TD>TOTAL ASSETS</TD>
<TD ALIGN="RIGHT" style="border-bottom: 4.0pt double windowtext; border-top: none; border-left: none; border-right: none"> $   440,113</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT" style="border-bottom: 4.0pt double windowtext; border-top: none; border-left: none; border-right: none"> $   119,292</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT" style="border-bottom: 4.0pt double windowtext; border-top: none; border-left: none; border-right: none"> $        (612)</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT" style="border-bottom: 4.0pt double windowtext; border-top: none; border-left: none; border-right: none"> $   558,793</TD></TR>

<TR VALIGN="TOP"><TD ALIGN="RIGHT">&nbsp;</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD>LIABILITIES AND SHAREHOLDERS' EQUITY</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">&nbsp;</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD>LIABILITIES: </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD>Deposit accounts</TD>
<TD ALIGN="RIGHT"> $   340,036 </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"> $   110,195 </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"> $       1,015 </TD>
<TD ALIGN="RIGHT"> (3) </TD>
<TD ALIGN="RIGHT"> $   451,246 </TD></TR>

<TR VALIGN="TOP"><TD>Accrued expenses and other liabilities</TD>
<TD ALIGN="RIGHT">         4,853 </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">            360 </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                - </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">         5,213 </TD></TR>

<TR VALIGN="TOP"><TD>Advance payment by borrowers for taxes and insurance</TD>
<TD ALIGN="RIGHT">              60</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                -</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                -</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">              60</TD></TR>

<TR VALIGN="TOP"><TD>Federal Home Loan Bank advances</TD>
<TD ALIGN="RIGHT">        40,000<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                       -<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></FONT>                -<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></FONT>        40,000<hr noshade size=2 width=100%></TD></TR>

<TR VALIGN="TOP"><TD>Total liabilities</TD>
<TD ALIGN="RIGHT">384,949 </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">110,555 </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">1,015 </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">496,519 </TD></TR>

<TR VALIGN="TOP"><TD></TD>
<TD ALIGN="RIGHT">&nbsp;</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD>SHAREHOLDERS' EQUITY:</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD>Serial preferred stock</TD>
<TD ALIGN="RIGHT">                - </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                - </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                       - </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                     - </TD></TR>

<TR VALIGN="TOP"><TD> Common stock</TD>
<TD ALIGN="RIGHT">              46 </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">        11,362 </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">       (11,358)</TD>
<TD ALIGN="RIGHT"> (5) </TD>
<TD ALIGN="RIGHT">              50 </TD></TR>

<TR VALIGN="TOP"><TD> Additional paid-in capital</TD>
<TD ALIGN="RIGHT">        33,777 </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                - </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">         7,106 </TD>
<TD ALIGN="RIGHT"> (2) </TD>
<TD ALIGN="RIGHT">        40,883 </TD></TR>

<TR VALIGN="TOP"><TD> Retained earnings</TD>
<TD ALIGN="RIGHT">        23,275 </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">        (2,661)</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">         2,661 </TD>
<TD ALIGN="RIGHT"> (5) </TD>
<TD ALIGN="RIGHT">        23,275 </TD></TR>

<TR VALIGN="TOP"><TD> Unearned shares issued to employee stock ownership trust</TD>
<TD ALIGN="RIGHT">        (1,753)</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                - </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                - </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">        (1,753)</TD></TR>

<TR VALIGN="TOP"><TD> Unearned common stock held by the MRDP at grant cost:</TD>
<TD ALIGN="RIGHT">               (7)</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                - </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                - </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">               (7)</TD></TR>

<TR VALIGN="TOP"><TD> Accumulated other comprehensive income (loss)</TD>
<TD ALIGN="RIGHT">           (174)<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">              36<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">             (36)<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"> (5) </TD>
<TD ALIGN="RIGHT">           (174)<hr noshade size=2 width=100%></TD></TR>

<TR VALIGN="TOP"><TD>Total shareholders' equity</TD>
<TD ALIGN="RIGHT">55,164<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></FONT>         8,737<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">(1,627)<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">62,274<hr noshade size=2 width=100%></TD></TR>

<TR VALIGN="TOP"><TD>TOTAL LIABILITIES AND SHAREHOLDER'S EQUITY</TD>
<TD ALIGN="RIGHT" style="border-bottom: 4.0pt double windowtext; border-top: none; border-left: none; border-right: none"> $   440,113</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT" style="border-bottom: 4.0pt double windowtext; border-top: none; border-left: none; border-right: none"> $   119,292</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT" style="border-bottom: 4.0pt double windowtext; border-top: none; border-left: none; border-right: none"> $        (612)</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT" style="border-bottom: 4.0pt double windowtext; border-top: none; border-left: none; border-right: none"> $   558,793</TD></TR>

<TR VALIGN="TOP"><TD></TD>
<TD ALIGN="RIGHT">&nbsp;</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD COLSPAN="3">See notes to the unaudited pro forma condensed combined financial statements.</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD></TR></TABLE>


<br><br><br>
<p align=center><font size=2></p>
<p align=left><b><font size="1">&lt;PAGE&gt;</b><hr noshade size=2 width=100%>
<font size="3"></p>
<br>

<P ALIGN="CENTER"><FONT FACE="Times New Roman" >RIVERVIEW BANCORP, INC.<BR>
TODAY'S BANCORP, INC.<BR>
<FONT SIZE=2>Unaudited Pro Forma Condensed Combined Statements of Income<BR>
(In thousands, except share data)</FONT></P><FONT SIZE=3>

<BR>
<TABLE WIDTH="100%">
<TR VALIGN="TOP"><TD></TD>
<TD COLSPAN="3" ALIGN="CENTER">Three Months Ended<hr noshade size=2 width=100%></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD></TD>
<TD ALIGN="CENTER"></TD></TR>

<TR VALIGN="TOP"><TD></TD>
<TD ALIGN="CENTER">06/30/03</TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER">03/31/03</TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD></TD>
<TD ALIGN="CENTER"></TD></TR>

<TR VALIGN="TOP"><TD></TD>
<TD ALIGN="CENTER">Riverview</FONT></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER">Today's</FONT></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER">Pro Forma</FONT></TD>
<TD></TD>
<TD ALIGN="CENTER">Combined</FONT></TD></TR>

<TR VALIGN="TOP"><TD></TD>
<TD ALIGN="CENTER">Bancorp, Inc.<hr noshade size=2 width=100%></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER">Bancorp, Inc.<hr noshade size=2 width=100%></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER">Adjustments<hr noshade size=2 width=100%></TD>
<TD></TD>
<TD ALIGN="CENTER">Entities<hr noshade size=2 width=100%></TD></TR>

<TR VALIGN="TOP"><TD>INTEREST INCOME<STRONG></STRONG></FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD>Interest and fees on loans receivable</FONT></TD>
<TD ALIGN="RIGHT"> $            5,669 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"> $               1,689 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"> $          (77)</FONT></TD>
<TD>(6)</FONT></TD>
<TD ALIGN="RIGHT"> $            7,281 </FONT></TD></TR>

<TR VALIGN="TOP"><TD> Interest on investment securities</FONT></TD>
<TD ALIGN="RIGHT">67 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                      87 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                  - </FONT></TD>
<TD></TD>
<TD ALIGN="RIGHT">                   154 </FONT></TD></TR>

<TR VALIGN="TOP"><TD> Interest on mortgage-backed securities</FONT></TD>
<TD ALIGN="RIGHT">181 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                         - </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                  - </FONT></TD>
<TD></TD>
<TD ALIGN="RIGHT">                   181 </FONT></TD></TR>

<TR VALIGN="TOP"><TD> Other interest and dividends</FONT></TD>
<TD ALIGN="RIGHT">214<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                      35<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">             (20)<hr noshade size=2 width=100%></TD>
<TD>(6)</FONT></TD>
<TD ALIGN="RIGHT">                  229<hr noshade size=2 width=100%></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest income</FONT></TD>
<TD ALIGN="RIGHT">6,131<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">1,811<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">(97)<hr noshade size=2 width=100%></TD>
<TD></TD>
<TD ALIGN="RIGHT">7,845<hr noshade size=2 width=100%></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD>INTEREST EXPENSE</FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD> Interest on deposits</FONT></TD>
<TD ALIGN="RIGHT">1,009 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                    850 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">             (74)</FONT></TD>
<TD>(6)</FONT></TD>
<TD ALIGN="RIGHT">                1,785 </FONT></TD></TR>

<TR VALIGN="TOP"><TD> Interest on borrowings</FONT></TD>
<TD ALIGN="RIGHT">495<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                        5<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                  -<hr noshade size=2 width=100%></TD>
<TD></TD>
<TD ALIGN="RIGHT">                  500<hr noshade size=2 width=100%></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest expense</FONT></TD>
<TD ALIGN="RIGHT">1,504<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                    855<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">             (74)<hr noshade size=2 width=100%></TD>
<TD></TD>
<TD ALIGN="RIGHT">               2,285<hr noshade size=2 width=100%></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net interest income</FONT></TD>
<TD ALIGN="RIGHT">4,627 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">956 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">(23)</FONT></TD>
<TD></TD>
<TD ALIGN="RIGHT">5,560 </FONT></TD></TR>

<TR VALIGN="TOP"><TD>Less provision for loan losses</FONT></TD>
<TD ALIGN="RIGHT">70<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                         -<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                  -<hr noshade size=2 width=100%></TD>
<TD></TD>
<TD ALIGN="RIGHT">                    70<hr noshade size=2 width=100%></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net interest income after</FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;provision for loan losses</FONT></TD>
<TD ALIGN="RIGHT">4,557<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">956<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">(23)<hr noshade size=2 width=100%></TD>
<TD></TD>
<TD ALIGN="RIGHT">5,490<hr noshade size=2 width=100%></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD>NON-INTEREST INCOME</FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD> Fees and service charges</FONT></TD>
<TD ALIGN="RIGHT">1,173 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                      63 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                  - </FONT></TD>
<TD></TD>
<TD ALIGN="RIGHT">                1,236 </FONT></TD></TR>

<TR VALIGN="TOP"><TD> Asset management fees</FONT></TD>
<TD ALIGN="RIGHT">223 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                         - </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                  - </FONT></TD>
<TD></TD>
<TD ALIGN="RIGHT">                  223 </FONT></TD></TR>

<TR VALIGN="TOP"><TD> Gain on sale of loans held for sale</FONT></TD>
<TD ALIGN="RIGHT">304 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                         - </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                  - </FONT></TD>
<TD></TD>
<TD ALIGN="RIGHT">                  304 </FONT></TD></TR>

<TR VALIGN="TOP"><TD> Gain on sale of securities </FONT></TD>
<TD ALIGN="RIGHT">                       - </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                      22 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                  - </FONT></TD>
<TD></TD>
<TD ALIGN="RIGHT">                    22 </FONT></TD></TR>

<TR VALIGN="TOP"><TD> Gain on sale of other real estate owned</FONT></TD>
<TD ALIGN="RIGHT">3 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                         - </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                  - </FONT></TD>
<TD></TD>
<TD ALIGN="RIGHT">                      3 </FONT></TD></TR>

<TR VALIGN="TOP"><TD> Loan servicing expense</FONT></TD>
<TD ALIGN="RIGHT">(108)</FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                         - </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                  - </FONT></TD>
<TD></TD>
<TD ALIGN="RIGHT">                 (108)</FONT></TD></TR>

<TR VALIGN="TOP"><TD> Other</FONT></TD>
<TD ALIGN="RIGHT">21<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                        7<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                  -<hr noshade size=2 width=100%></TD>
<TD></TD>
<TD ALIGN="RIGHT">                    28<hr noshade size=2 width=100%></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total non-interest income</TD>
<TD ALIGN="RIGHT">1,616<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">92<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                  -<hr noshade size=2 width=100%></TD>
<TD></TD>
<TD ALIGN="RIGHT">1,708<hr noshade size=2 width=100%></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD>NON-INTEREST EXPENSE</FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD>Salaries and employee benefits</FONT></TD>
<TD ALIGN="RIGHT">2,249 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                    384 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                  - </FONT></TD>
<TD></TD>
<TD ALIGN="RIGHT">               2,633 </FONT></TD></TR>

<TR VALIGN="TOP"><TD>Occupancy and depreciation </FONT></TD>
<TD ALIGN="RIGHT">586 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                      171 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                  - </FONT></TD>
<TD></TD>
<TD ALIGN="RIGHT">                  757 </FONT></TD></TR>

<TR VALIGN="TOP"><TD>Data processing</FONT></TD>
<TD ALIGN="RIGHT">204 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                      40 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                  - </FONT></TD>
<TD></TD>
<TD ALIGN="RIGHT">                  244 </FONT></TD></TR>

<TR VALIGN="TOP"><TD>Amortization of core deposit intangible</FONT></TD>
<TD ALIGN="RIGHT">82 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                         - </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">               33 </FONT></TD>
<TD>(9)</FONT></TD>
<TD ALIGN="RIGHT">                   115 </FONT></TD></TR>

<TR VALIGN="TOP"><TD>Marketing expense</FONT></TD>
<TD ALIGN="RIGHT">269 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                       13 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                  - </FONT></TD>
<TD></TD>
<TD ALIGN="RIGHT">                  282 </FONT></TD></TR>

<TR VALIGN="TOP"><TD>FDIC insurance premium</FONT></TD>
<TD ALIGN="RIGHT">12 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                       15 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                  - </FONT></TD>
<TD></TD>
<TD ALIGN="RIGHT">                    27 </FONT></TD></TR>

<TR VALIGN="TOP"><TD>State and local taxes</FONT></TD>
<TD ALIGN="RIGHT">94 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                      28 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                  - </FONT></TD>
<TD></TD>
<TD ALIGN="RIGHT">                   122 </FONT></TD></TR>

<TR VALIGN="TOP"><TD>Telecommunications</FONT></TD>
<TD ALIGN="RIGHT">48 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                      29 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                  - </FONT></TD>
<TD></TD>
<TD ALIGN="RIGHT">                    77 </FONT></TD></TR>

<TR VALIGN="TOP"><TD>Professional fees</FONT></TD>
<TD ALIGN="RIGHT">89 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                     153 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                  - </FONT></TD>
<TD></TD>
<TD ALIGN="RIGHT">                  242 </FONT></TD></TR>

<TR VALIGN="TOP"><TD>Other</FONT></TD>
<TD ALIGN="RIGHT">302<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                     132<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                  -<hr noshade size=2 width=100%></TD>
<TD></TD>
<TD ALIGN="RIGHT">                  434<hr noshade size=2 width=100%></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total non-interest expense</FONT></TD>
<TD ALIGN="RIGHT">3,935<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">965<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">33<hr noshade size=2 width=100%></TD>
<TD></TD>
<TD ALIGN="RIGHT">4,933<hr noshade size=2 width=100%></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD>INCOME BEFORE FEDERAL INCOME TAXES</FONT></TD>
<TD ALIGN="RIGHT">2,238 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">83 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">(56)</FONT></TD>
<TD></TD>
<TD ALIGN="RIGHT">2,265 </FONT></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD>PROVISION FOR FEDERAL INCOME TAXES </FONT></TD>
<TD ALIGN="RIGHT">738<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                      57<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">              (18)<hr noshade size=2 width=100%></TD>
<TD>(7)</FONT></TD>
<TD ALIGN="RIGHT">                  777<hr noshade size=2 width=100%></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD>NET INCOME </FONT></TD>
<TD ALIGN="RIGHT" style="border-bottom: 4.0pt double windowtext; border-top: none; border-left: none; border-right: none"> $             1,500</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT" style="border-bottom: 4.0pt double windowtext; border-top: none; border-left: none; border-right: none"> $                   26</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT" style="border-bottom: 4.0pt double windowtext; border-top: none; border-left: none; border-right: none"> $          (38)</TD>
<TD></TD>
<TD ALIGN="RIGHT" style="border-bottom: 4.0pt double windowtext; border-top: none; border-left: none; border-right: none"> $            1,488</TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD>Earning  per common share:</FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Basic</FONT></TD>
<TD ALIGN="RIGHT"> $               0.34 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">N/A</FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD></TD>
<TD ALIGN="RIGHT"> $              0.31 </FONT></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Diluted</FONT></TD>
<TD ALIGN="RIGHT">                 0.34 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">N/A</FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD></TD>
<TD ALIGN="RIGHT">                 0.30 </FONT></TD></TR>

<TR VALIGN="TOP"><TD>Weighted average number of shares outstanding:</FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Basic</FONT></TD>
<TD ALIGN="RIGHT">         4,371,380 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">N/A</FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD></TD>
<TD ALIGN="RIGHT">         4,802,113 </FONT></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Diluted</FONT></TD>
<TD ALIGN="RIGHT">        4,442,363 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">N/A</FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD></TD>
<TD ALIGN="RIGHT">        4,873,096 </FONT></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD COLSPAN="4"><FONT SIZE=2>See notes to the unaudited pro forma condensed combined financial statements.</FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD></TD>
<TD ALIGN="RIGHT"></TD></TR></TABLE>


<br><br>
<p align=center><font size=2></p>
<p align=left><b><font size="1">&lt;PAGE&gt;</b><hr>
<font size="3"></p>
<br>


<P ALIGN="CENTER"><FONT SIZE=3>RIVERVIEW BANCORP, INC.<BR>
TODAY'S BANCORP, INC.<BR>
<FONT SIZE="-1">Unaudited Pro Forma Condensed Combined Statements of Income<BR>
(In thousands, except share data)</FONT><FONT SIZE=3></P>

<BR>
<TABLE WIDTH="100%">
<TR VALIGN="TOP"><TD></TD>
<TD COLSPAN="3" ALIGN="CENTER">Three Months Ended<hr noshade size=2 width=100%></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD></TD>
<TD ALIGN="CENTER">06/30/02</FONT></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER">03/31/02</FONT></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD></TD>
<TD ALIGN="CENTER">Riverview</FONT></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER">Today's</FONT></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER">Pro Forma</FONT></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER">Combined</FONT></TD></TR>

<TR VALIGN="TOP"><TD></TD>
<TD ALIGN="CENTER">Bancorp, Inc.<hr noshade size=2 width=100%></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER">Bancorp, Inc.<hr noshade size=2 width=100%></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER">Adjustments<hr noshade size=2 width=100%></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER">Entities<hr noshade size=2 width=100%></TD></TR>

<TR VALIGN="TOP"><TD>INTEREST INCOME</FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD> Interest and fees on loans receivable</FONT></TD>
<TD ALIGN="RIGHT"> $       5,913 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"> $         1,337 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"> $         (141)</FONT></TD>
<TD>(6)</FONT></TD>
<TD ALIGN="RIGHT"> $        7,109 </FONT></TD></TR>

<TR VALIGN="TOP"><TD> Interest on investment securities</FONT></TD>
<TD ALIGN="RIGHT">28 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                   77 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">    - </FONT></TD>
<TD></TD>
<TD ALIGN="RIGHT">            105 </FONT></TD></TR>

<TR VALIGN="TOP"><TD> Interest on mortgage-backed securities</FONT></TD>
<TD ALIGN="RIGHT">449 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                   38 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">          - </FONT></TD>
<TD></TD>
<TD ALIGN="RIGHT">         487 </FONT></TD></TR>

<TR VALIGN="TOP"><TD> Other interest and dividends</FONT></TD>
<TD ALIGN="RIGHT">390<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">          15<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                  (20)<hr noshade size=2 width=100%></TD>
<TD>(6)</FONT></TD>
<TD ALIGN="RIGHT">              385<hr noshade size=2 width=100%></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest income</FONT></TD>
<TD ALIGN="RIGHT">6,780<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">1,467<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">(161)<hr noshade size=2 width=100%></TD>
<TD></TD>
<TD ALIGN="RIGHT">8,086<hr noshade size=2 width=100%></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD>INTEREST EXPENSE</FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD> Interest on deposits</FONT></TD>
<TD ALIGN="RIGHT">1,594 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                 686 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">      (180)</FONT></TD>
<TD>(6)</FONT></TD>
<TD ALIGN="RIGHT">            2,100 </FONT></TD></TR>

<TR VALIGN="TOP"><TD> Interest on borrowings</FONT></TD>
<TD ALIGN="RIGHT">1,130<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                     4<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                -<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">     1,134<hr noshade size=2 width=100%></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest expense</FONT></TD>
<TD ALIGN="RIGHT">2,724<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                 690<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">        (180)<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">     3,234<hr noshade size=2 width=100%></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net interest income</FONT></TD>
<TD ALIGN="RIGHT">4,056 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">777 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">19 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">4,852 </FONT></TD></TR>

<TR VALIGN="TOP"><TD>Less provision for loan losses</FONT></TD>
<TD ALIGN="RIGHT">245<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                 99<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">               -<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">  344<hr noshade size=2 width=100%></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net interest income after</FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;provision for loan losses</FONT></TD>
<TD ALIGN="RIGHT">3,811<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">678<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">19<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">4,508<hr noshade size=2 width=100%></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD>NON-INTEREST INCOME</FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD> Fees and service charges</FONT></TD>
<TD ALIGN="RIGHT">928 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                   47 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">             - </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">            975 </FONT></TD></TR>

<TR VALIGN="TOP"><TD> Asset management fees</FONT></TD>
<TD ALIGN="RIGHT">192 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                      - </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">            - </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">          192 </FONT></TD></TR>

<TR VALIGN="TOP"><TD> Gain on sale of loans held for sale</FONT></TD>
<TD ALIGN="RIGHT">349 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                     - </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">               - </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">         349 </FONT></TD></TR>

<TR VALIGN="TOP"><TD> Gain on sale of other real estate owned</FONT></TD>
<TD ALIGN="RIGHT">20 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                      - </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                 - </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">              20 </FONT></TD></TR>

<TR VALIGN="TOP"><TD> Loan servicing expense</FONT></TD>
<TD ALIGN="RIGHT">(100)</FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                     - </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">      - </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"> (100)</FONT></TD></TR>

<TR VALIGN="TOP"><TD> Other</FONT></TD>
<TD ALIGN="RIGHT">21<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                     -<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">               -<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">             21<hr noshade size=2 width=100%></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total non-interest income</FONT></TD>
<TD ALIGN="RIGHT">1,410<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">47<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">     - <hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">1,457<hr noshade size=2 width=100%></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD>NON-INTEREST EXPENSE</FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD>Salaries and employee benefits</FONT></TD>
<TD ALIGN="RIGHT">2,034 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                 336 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">             - </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">    2,370 </FONT></TD></TR>

<TR VALIGN="TOP"><TD>Occupancy and depreciation </FONT></TD>
<TD ALIGN="RIGHT">592 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                129 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">               - </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">         721 </FONT></TD></TR>

<TR VALIGN="TOP"><TD>Data processing</FONT></TD>
<TD ALIGN="RIGHT">210 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                   35 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">        - </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">    245 </FONT></TD></TR>

<TR VALIGN="TOP"><TD>Amortization of core deposit intangible</FONT></TD>
<TD ALIGN="RIGHT">82 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                   - </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                     39 </FONT></TD>
<TD ALIGN="RIGHT">(9)</FONT></TD>
<TD ALIGN="RIGHT">
<P ALIGN="RIGHT">                121 </FONT></TD></TR>

<TR VALIGN="TOP"><TD>Marketing expense</FONT></TD>
<TD ALIGN="RIGHT">189 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                  54 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                       - </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">               243 </FONT></TD></TR>

<TR VALIGN="TOP"><TD>FDIC insurance premium</FONT></TD>
<TD ALIGN="RIGHT">11 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                     4 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                      - </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                 15 </FONT></TD></TR>

<TR VALIGN="TOP"><TD>State and local taxes</FONT></TD>
<TD ALIGN="RIGHT">90 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                   22 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                       - </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                112 </FONT></TD></TR>

<TR VALIGN="TOP"><TD>Telecommunications</FONT></TD>
<TD ALIGN="RIGHT">44 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                   12 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                       - </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                 56 </FONT></TD></TR>

<TR VALIGN="TOP"><TD>Professional fees</FONT></TD>
<TD ALIGN="RIGHT">118 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                   24 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                       - </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">               142 </FONT></TD></TR>

<TR VALIGN="TOP"><TD>Other</FONT></TD>
<TD ALIGN="RIGHT">322<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                   77<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                 -<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">           399<hr noshade size=2 width=100%></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total non-interest expense</FONT></TD>
<TD ALIGN="RIGHT">3,692<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">693<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">39<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">4,424<hr noshade size=2 width=100%></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD>INCOME BEFORE FEDERAL INCOME TAXES</FONT></TD>
<TD ALIGN="RIGHT">1,529 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">32 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">(20)</FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">1,541 </FONT></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD>PROVISION FOR FEDERAL INCOME TAXES </FONT></TD>
<TD ALIGN="RIGHT">457<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">                   11<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">             (7)<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT">(7)</FONT></TD>
<TD ALIGN="RIGHT">      461<hr noshade size=2 width=100%></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD>NET INCOME </FONT></TD>
<TD ALIGN="RIGHT" style="border-bottom: 4.0pt double windowtext; border-top: none; border-left: none; border-right: none"> $       1,072</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT" style="border-bottom: 4.0pt double windowtext; border-top: none; border-left: none; border-right: none"> $                21</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT" style="border-bottom: 4.0pt double windowtext; border-top: none; border-left: none; border-right: none"> $        (13)</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT" style="border-bottom: 4.0pt double windowtext; border-top: none; border-left: none; border-right: none"> $    1,080</TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD>Earning  per common share:</FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Basic</FONT></TD>
<TD ALIGN="RIGHT"> $     0.24 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">N/A</FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"> $  0.22 </FONT></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Diluted</FONT></TD>
<TD ALIGN="RIGHT">         0.24 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">N/A</FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">    0.22 </FONT></TD></TR>

<TR VALIGN="TOP"><TD>Weighted average number of shares outstanding:</FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Basic</FONT></TD>
<TD ALIGN="RIGHT">   4,440,426 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">N/A</FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"> 4,871,159 </FONT></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Diluted</FONT></TD>
<TD ALIGN="RIGHT"> 4,486,182 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT">N/A</FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"> 4,916,915 </FONT></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD COLSPAN="4">See notes to the unaudited pro forma condensed combined financial statements.</FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD></TR></TABLE>

<br><br>
<p align=center><font size=2></p>
<p align=left><b><font size="1">&lt;PAGE&gt;</b><hr>
<font size="3"></p>
<br><br>


<P ALIGN="CENTER">RIVERVIEW BANCORP, INC.<BR>
TODAY'S BANCORP, INC.<BR>
<FONT FACE="Times New Roman" SIZE="-1">Notes to Unaudited Pro Forma Condensed <BR>
Combined Financial Statements </FONT></P>


<P Align=justify><FONT FACE="Times New Roman" SIZE="3">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Basis of Presentation</FONT></P>

<P Align=justify><FONT FACE="Times New Roman" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The unaudited pro forma condensed combined balance sheet as of June 30, 2003 has been prepared as if the merger had
been consummated on that date.  The unaudited pro forma condensed combined statements of income for Riverview for the three months ended June 30, 2003 and 2002 and for Today's Bancorp, Inc. for the three months ended March 31, 2003 and 2002 were prepared as if the merger had been consummated on April 1, 2002. </FONT></P>

<BR>
<P Align=justify><FONT FACE="Times New Roman" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The unaudited pro forma condensed combined financial statements are based on historical financial statements of Riverview
Bancorp, Inc. and Today's Bancorp, Inc. after giving effect to the merger under the purchase method of accounting and the assumptions and adjustments in the notes that follow.</FONT></P>

<BR>
<P Align=justify><FONT FACE="Times New Roman" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Assumptions relating to the pro forma adjustments set forth in the unaudited pro forma condensed combined financial
statements are summarized as follows:</FONT></P>

<p style="margin-left: .5 in; margin-right: .15 in" align=justify>
Estimated fair values - Estimated fair values for securities, loans and deposits were obtained from appropriate
valuation methodologies and market information used in accordance with Statement of Financial Accounting
Standards (SFAS) No. 107, Disclosures About Values of Financial Instruments.<br><br>

The resulting premium on loans for purposes of these pro forma financial statements is being amortized to interest
income using an accelerated method over the weighted lives of 2.2 years which approximate a constant  yield to
maturity. The premium on deposits will be amortized using an accelerated method over a weighted average life
of 1.7 years to interest income which approximate a constant yield to maturity.  A core deposit intangible analysis
was performed that concluded there was $820,000 in core deposit intangible created as a result of the merger and
is being amortized to interest expense using an accelerated amortization method that approximates a constant
yield to maturity.</P><BR>

<P Align=justify><FONT FACE="Times New Roman" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No earnings per share are presented for Today's Bancorp, Inc. per SFAS No. 128, Earnings per Share.</FONT></P>

<BR>
<BR>
<P Align=justify><FONT FACE="Times New Roman" SIZE="3">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Acquisition Cost</FONT></P>

<BR>
<P Align=justify><FONT FACE="Times New Roman" SIZE="3">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The cost to acquire Today's Bancorp, Inc. is 1,158,679 shares of Today's Bancorp, Inc. common stock (plus all options at a cost of $259,981 and warrants at a cost of $552,348 to purchase Today's Bancorp, Inc. common stock were cashed out at their respective strike prices prior to completion of the merger) multiplied by the per share price of $13.6361.  These shares will be exchanged for 55% cash and 45% of Riverview Bancorp, Inc. common stock subject to a reverse split of 0.8261.</FONT></P>


<BR>
<TABLE WIDTH="93%" align=center>
<TR VALIGN="TOP"><TD></TD>
<TD><FONT SIZE="2">(In thousands)</FONT></TD></TR>

<TR VALIGN="TOP"><FONT SIZE="3"><TD>Cash consideration is made up of:</FONT></TD>
<TD></TD></TR>

<TR VALIGN="TOP"><TD></FONT>55% of the 1,158,679 shares of Today's common stock at $13.6361 per share</FONT></TD>
<TD ALIGN="RIGHT">$      8,690</FONT></TD></TR>

<TR VALIGN="TOP"><TD>Options cost of $259,981, warrants cost of $552,348 and cash for fractional shares of $5,068</FONT></TD>
<TD ALIGN="RIGHT">817</FONT></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;</TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD></FONT>Stock consideration is the issuance of Riverview Bancorp, Inc. common stock for 45%</FONT></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD></FONT>of 1,158,679 shares of Today's common stock subject to a reverse split of 0.8261 times the</FONT></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD></FONT>average closing price of Riverview common stock during the measurement period which was $16.5066.</FONT></TD>
<TD ALIGN="RIGHT">7,110</FONT></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;</TD>
<TD ALIGN="RIGHT"><hr noshade size=2 width=100%></TD></TR>

<TR VALIGN="TOP"><TD>Total stock and cash consideration for Today's Bancorp, Inc. shares</FONT></TD>
<TD ALIGN="RIGHT">16,617</FONT></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;</TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD></FONT>Acquisition costs</FONT></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD></FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Riverview:</FONT></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD></FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Transaction costs</FONT></TD>
<TD ALIGN="RIGHT">351</FONT></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;</TD>
<TD ALIGN="RIGHT"><hr noshade size=2 width=100%>
</TD></TR>

<TR VALIGN="TOP"><TD>Total acquisition cost</FONT></TD>
<TD ALIGN="RIGHT" style="border-bottom: 4.0pt double windowtext; border-top: none; border-left: none; border-right: none">$    16,968</TD></TR></TABLE>


<br><br>
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<br><br>

<P Align=justify>3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Purchase accounting adjustments recorded for the merger were as follows (in thousands):</P><BR>

<TABLE align=center WIDTH="93%">
<TR VALIGN="TOP"><TD>Today's Bancorp, Inc. net assets at historical cost at March 31, 2003</FONT></TD>
<TD ALIGN="RIGHT">$             8,737 </FONT></TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;</TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD></FONT>Fair value adjustments:</FONT></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD></FONT>Core deposit intangible</FONT></TD>
<TD ALIGN="RIGHT">820 </FONT></TD></TR>

<TR VALIGN="TOP"><TD>Loan receivable, net</FONT></TD>
<TD ALIGN="RIGHT">922 </FONT></TD></TR>

<TR VALIGN="TOP"><TD>Deposits</FONT></TD>
<TD ALIGN="RIGHT">(1,015)</FONT></TD></TR>

<TR VALIGN="TOP"><TD>Write-off fixed assets</FONT></TD>
<TD ALIGN="RIGHT">(101)<hr noshade size=2 width=100%></TD></TR>

<TR VALIGN="TOP"><TD></FONT>Sub-total net fair value adjustments</FONT></TD>
<TD ALIGN="RIGHT">626 </FONT></TD></TR>

<TR VALIGN="TOP"><TD>Tax effect of fair value adjustments</TD>
<TD ALIGN="RIGHT">(200)<hr noshade size=2 width=100%></TD></TR>

<TR VALIGN="TOP"><TD>Net assets acquired</TD>
<TD ALIGN="RIGHT" style="border-bottom: 4.0pt double windowtext; border-top: none; border-left: none; border-right: none">$             9,163</TD></TR></TABLE>

<BR>

<P align=justify>4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Excess of cost over fair value of net assets acquired for the merger was calculated as follows (in thousands):</P><BR>

<TABLE align=center WIDTH="93%">
<TR VALIGN="TOP"><TD>Total cost</FONT></TD>
<TD ALIGN="RIGHT">$           16,968 </FONT></TD></TR>

<TR VALIGN="TOP"><TD>Net assets acquired</FONT></TD>
<TD ALIGN="RIGHT">(9,163)<hr noshade size=2 width=100%></TD></TR>

<TR VALIGN="TOP"><TD></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD></FONT>Total excess of cost over fair value of net assets acquired from the merger</FONT></TD>
<TD ALIGN="RIGHT" style="border-bottom: 4.0pt double windowtext; border-top: none; border-left: none; border-right: none">$              7,805</TD></TR></TABLE>


<P ALIGN=LEFT>5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Purchase accounting adjustment to eliminate Today's Bancorp, Inc. stockholders'<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;equity accounts (in thousands):&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8,737</P>

<BR><BR>
<P align=justify>6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pro forma adjustments to interest income and interest expense were calculated for the merger as follows (in thousands):</P>

<BR>
<TABLE Align=Center WIDTH="93%">
<TR VALIGN="TOP"><TD></TD>
<TD ALIGN="CENTER">For the Three</FONT></TD>
<TD ALIGN="CENTER">For the Three</FONT></TD></TR>

<TR VALIGN="TOP"><TD></TD>
<TD ALIGN="CENTER"></FONT>Months Ended</FONT></TD>
<TD ALIGN="CENTER">Months Ended</FONT></TD></TR>

<TR VALIGN="TOP"><TD></TD>
<TD ALIGN="CENTER"></FONT>June 30, 2002<hr noshade size=2 width=100%></TD>
<TD ALIGN="CENTER"></FONT>June 30, 2003<hr noshade size=2 width=100%></TD></TR>

<TR VALIGN="TOP"><TD>Reduction in interest income for cash utilized to purchase</FONT></TD>
<TD></TD>
<TD></TD></TR>

<TR VALIGN="TOP"><TD></FONT> Today's Bancorp Inc. common stock (based on average annual </FONT></TD>
<TD></TD>
<TD></TD></TR>

<TR VALIGN="TOP"><TD></FONT>  rate of 0.80%)</FONT></TD>
<TD ALIGN="RIGHT">$               20 </FONT></TD>
<TD ALIGN="RIGHT">$              20 </FONT></TD></TR>

<TR VALIGN="TOP"><TD> </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD></FONT>Amortization of fair value adjustment on loans acquired (2.2 yrs)</FONT></TD>
<TD ALIGN="RIGHT">141<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT">77<hr noshade size=2 width=100%></TD></TR>

<TR VALIGN="TOP"><TD></TD>
<TD ALIGN="RIGHT">161 </FONT></TD>
<TD ALIGN="RIGHT">97 </FONT></TD></TR>

<TR VALIGN="TOP"><TD></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD></FONT>Amortization of fair value adjustment of deposits acquired (1.7 years)</FONT></TD>
<TD ALIGN="RIGHT">(180)</FONT></TD>
<TD ALIGN="RIGHT">(74)</FONT></TD></TR>

<TR VALIGN="TOP"><TD></TD>
<TD ALIGN="RIGHT"><hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"><hr noshade size=2 width=100%></TD></TR>

<TR VALIGN="TOP"><TD>Total net adjustments to interest income</FONT></TD>
<TD ALIGN="RIGHT" style="border-bottom: 4.0pt double windowtext; border-top: none; border-left: none; border-right: none">$             (19)</TD>
<TD ALIGN="RIGHT" style="border-bottom: 4.0pt double windowtext; border-top: none; border-left: none; border-right: none">$              23</TD></TR>

<TR VALIGN="TOP"><TD>&nbsp;</TD>
<TD></TD>
<TD></TD></TR></TABLE>


<P Align=Justify>7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Income tax expense was calculated using Riverview Bancorp, Inc. effective tax rate of 32%.</p>

<BR><BR>
<P Align=Justify>8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Basic earnings per common share for the three months ended June 30, 2003 and 2002 is calculated by dividing net income by the average number of common shares outstanding.  Diluted earnings per common share is calculated using the same method as basic earning per common share, but reflects potential dilution of common share equivalents.  Basic and diluted weighted average number of common stock and common stock equivalents utilized for the calculation of earnings per share for the periods presented were calculated using Riverview Bancorp, Inc. historical weighted average common stock and common stock equivalents plus 430,733 shares issued to Today's Bancorp, Inc. stockholders under the terms of the merger.</FONT></P>

<br><br>
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<font size="3"></p>
<BR><BR><BR>

<P Align=Justify>9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following table summarizes the estimated impact of the amortization and the accretion of the purchase<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;accounting adjustments made in connection with the merger on Riverview Bancorp, Inc. results of<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;operations (in thousands):</FONT></P>

<BR>
<TABLE Align=Center WIDTH="94%">
<TR VALIGN="TOP"><TD ALIGN="RIGHT"></TD>
<TD ALIGN="CENTER">Projected Future</FONT></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD></TR>

<TR VALIGN="TOP"><TD ALIGN="RIGHT"></TD>
<TD ALIGN="CENTER"></FONT></FONT>Amounts For the</FONT></TD>
<TD ALIGN="CENTER">Core Deposit</FONT></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></FONT>Net</FONT></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></FONT>Net Decrease</FONT></TD></TR>

<TR VALIGN="TOP"><TD ALIGN="RIGHT"></TD>
<TD ALIGN="CENTER"></FONT>Fiscal Years Ended</FONT></TD>
<TD ALIGN="CENTER">Intangible</FONT></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></FONT>(Accretion)</FONT></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></FONT>In Income</FONT></TD></TR>

<TR VALIGN="TOP"><TD ALIGN="RIGHT"></TD>
<TD ALIGN="CENTER"></FONT><U>March 31,</U></FONT></TD>
<TD ALIGN="CENTER"><U>Amortization</U></FONT></TD>
<TD ALIGN="CENTER"><U></TD>
<TD ALIGN="CENTER"></U></FONT><U>Amortization</U></FONT></TD>
<TD ALIGN="CENTER"><U></TD>
<TD ALIGN="CENTER"></U></FONT><U>Before taxes</U></FONT></TD></TR>

<TR VALIGN="TOP"><TD ALIGN="RIGHT"><U></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD></TR>

<TR VALIGN="TOP"><TD ALIGN="RIGHT"></TD>
<TD ALIGN="CENTER"></U></FONT></FONT>2002</FONT></TD>
<TD ALIGN="RIGHT"> $           155 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></FONT> $          (156)</FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></FONT> $             (1)</FONT></TD></TR>

<TR VALIGN="TOP"><TD ALIGN="RIGHT"></TD>
<TD ALIGN="CENTER"></FONT>2003</FONT></TD>
<TD ALIGN="RIGHT">              130 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></FONT>               11 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></FONT>          141 </FONT></TD></TR>

<TR VALIGN="TOP"><TD ALIGN="RIGHT"></TD>
<TD ALIGN="CENTER"></FONT>2004</FONT></TD>
<TD ALIGN="RIGHT">              109 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></FONT>               52 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></FONT>          161 </FONT></TD></TR>

<TR VALIGN="TOP"><TD ALIGN="RIGHT"></TD>
<TD ALIGN="CENTER"></FONT>2005</FONT></TD>
<TD ALIGN="RIGHT">                92 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></FONT>                  - </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></FONT>           92 </FONT></TD></TR>

<TR VALIGN="TOP"><TD ALIGN="RIGHT"></TD>
<TD ALIGN="CENTER"></FONT>2006</FONT></TD>
<TD ALIGN="RIGHT">                78 </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></FONT>                  - </FONT></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></FONT>           78 </FONT></TD></TR>

<TR VALIGN="TOP"><TD ALIGN="RIGHT"></TD>
<TD ALIGN="CENTER"></FONT>            2007 and thereafter</TD>
<TD ALIGN="RIGHT">              256<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></FONT>                  -<hr noshade size=2 width=100%></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></FONT>          256<hr noshade size=2 width=100%></TD></TR>

<TR VALIGN="TOP"><TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT" style="border-bottom: 4.0pt double windowtext; border-top: none; border-left: none; border-right: none">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;820</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT" style="border-bottom: 4.0pt double windowtext; border-top: none; border-left: none; border-right: none">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(93)</TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT" style="border-bottom: 4.0pt double windowtext; border-top: none; border-left: none; border-right: none">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;727</TD></TR></TABLE>

<BR><FONT FACE="Times New Roman, Times, Serif" SIZE=3>
<P Align=Justify>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Core deposit intangible is amortized on an accelerated basis over 10 years.  The estimated amortization for the three months ended June 30, 2002 and 2003 is $39 and $33, respectively.</FONT></P>



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<p style="margin-left: .5 in; margin-right: .15 in" align=justify>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Exhibits.</I></P>

<table width=92% align=center>
<tr>
<td width=12% align=left valign=top></td>
<td width=80% align=justify valign=top></td>
</tr>

<tr>
<td width=12% align=center valign=top><U>Exhibit</U></td>
<td width=80% align=justify valign=top><U>Description</U></td>
</tr>

<tr>
<td width=12% align=center valign=top>&nbsp;</td>
<td width=80% align=justify valign=top></td>
</tr>

<tr>
<td width=12% align=center valign=top>2</td>
<td width=80% align=justify valign=top>Agreement and Plan of Merger dated February 5, 2003 by and among Riverview Bancorp, Inc., Riverview Community Bank, Today's Bancorp, Inc. and Today's Bank.  (Incorporated by reference to Riverview Bancorp, Inc.'s Current Report on Form 8-K filed on February 6, 2003.)</td>
</tr>

<tr>
<td width=12% align=center valign=top>&nbsp;</td>
<td width=80% align=justify valign=top></td>
</tr>

<tr>
<td width=12% align=center valign=top>23</td>
<td width=80% align=justify valign=top>Consent of Moss Adams LLP.</td>
</tr>

<tr>
<td width=12% align=center valign=top>&nbsp;</td>
<td width=80% align=justify valign=top></td>
</tr>

<tr>
<td width=12% align=center valign=top>99</td>
<td width=80% align=justify valign=top>Press Release dated July 18, 2003.  (Filed as an exhibit to Riverview Bancorp, Inc.'s Current Report on Form 8-K filed on July 28, 2003.)</td>
</tr>
</table>





<br><br><br><br><br><br><br><br><br><br>
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<font size="3"></p>
<br>



<P><CENTER><U>SIGNATURES</U></CENTER></P>

<P><CENTER></CENTER></P>

<BR>
<P Align=Justify>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.</P>

<table width=90% align=center>
<tr>
<td width=40% align=left valign=top></td>
<td width=50% align=left valign=top></td>
</tr>

<tr>
<td width=40% align=left valign=top></td>
<td width=50% align=left valign=top>RIVERVIEW BANCORP, INC.</td>
</tr>

<tr>
<td width=40% align=left valign=top>&nbsp;</td>
<td width=50% align=left valign=top></td>
</tr>

<tr>
<td width=40% align=left valign=top>&nbsp;</td>
<td width=50% align=left valign=top></td>
</tr>

<tr>
<td width=40% align=left valign=top>Date: September 12, 2003</td>
<td width=50% align=left valign=top>By:&nbsp;<U>/s/&nbsp;Patrick Sheaffer&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></td>
</tr>

<tr>
<td width=40% align=left valign=top>&nbsp;</td>
<td width=50% align=left valign=top>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Patrick Sheaffer<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Chairman and Chief Executive Officer</td>
</tr>
</table>



<br><br><br><br><br><br><br><br><br><br>
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<font size="3"></p>
<br><br><br><br><br><br><br><br><br><br>


<P ALIGN="CENTER"><STRONG>Exhibit 23<BR><BR>

Consent of Moss Adams LLP</STRONG></P>



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<br><br>


<P><CENTER>CONSENT OF INDEPENDENT ACCOUNTANTS </CENTER></P>

<BR>
<P Align=Justify>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We hereby consent to the incorporation by reference in the Current Report on Form 8-K/A of Riverview Bancorp, Inc. of our report dated February 28, 2003, on the consolidated balance sheets of Today's Bancorp, Inc. and Subsidiary as of December 31, 2002 and 2001, and the related consolidated statements of operations, stockholders' equity and cash flows for each of the years in the two-year period ended December 31, 2002, which appears in the Registration Statement on Form S-4 of Riverview Bancorp, Inc. (File No. 333-104538). <BR><BR>

/s/ Moss Adams LLP <BR><BR>


Portland, Oregon <BR>

September 12, 2003</P>

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