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<SEC-DOCUMENT>0000939057-05-000164.txt : 20050623
<SEC-HEADER>0000939057-05-000164.hdr.sgml : 20050623
<ACCEPTANCE-DATETIME>20050623103310
ACCESSION NUMBER:		0000939057-05-000164
CONFORMED SUBMISSION TYPE:	DEF 14A
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20050623
FILED AS OF DATE:		20050623
DATE AS OF CHANGE:		20050623
EFFECTIVENESS DATE:		20050623

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:		DEF 14A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-22957
		FILM NUMBER:		05911553

	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>DEF 14A
<SEQUENCE>1
<FILENAME>proxy05.htm
<DESCRIPTION>RIVERVIEW BANCORP, INC.
<TEXT>
<HTML>
<TABLE BORDER="0" WIDTH="671" cellspacing="1" cellpadding="0" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="TOP"><TD COLSPAN="2" width="669">
<P ALIGN="CENTER"><STRONG><font size="2">Proxy Statement</font></STRONG><font size="2">
</font> <STRONG><font size="2">Pursuant to Section 14(a) of the Securities Exchange Act of 1934</font></STRONG></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="2" width="669"><font size="2">&nbsp; </font></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="2" width="669"><font size="2">Filed by the Registrant <b>[X]</b></font></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="2" width="669"><font size="2">Filed by a Party other than the Registrant&nbsp;
  [&nbsp; ]</font></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="2" width="669"><font size="2">&nbsp; </font></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="2" width="669"><font size="2">&nbsp; </font></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="2" width="669"><font size="2">Check the appropriate box:</font></TD></TR>
<TR VALIGN="TOP"><TD width="30"><font size="2">[&nbsp;&nbsp; ] </font></TD>
<TD width="638"><font size="2">Preliminary Proxy Statement</font></TD></TR>
<TR VALIGN="TOP"><TD width="30"><font size="2">[&nbsp;&nbsp; ]</font></TD>
<TD width="638"><font size="2">Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2))</font></TD></TR>
<TR VALIGN="TOP"><TD width="30"><b><font size="2">[X]</font></b></TD>
<TD width="638"><font size="2">Definitive Proxy Statement</font></TD></TR>
<TR VALIGN="TOP"><TD width="30"><font size="2">[&nbsp;&nbsp; ]</font></TD>
<TD width="638"><font size="2">Definitive Additional Materials</font></TD></TR>
<TR VALIGN="TOP"><TD width="30"><font size="2">[&nbsp;&nbsp; ]</font></TD>
<TD width="638"><font size="2">Soliciting Material Under Rule 14a-12</font></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="2" width="669"><font size="2">&nbsp; </font></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="2" width="669"><font size="2">&nbsp; </font></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="2" ALIGN="CENTER" width="669"><font size="2">RIVERVIEW BANCORP, INC.</font>
<HR color="#000000">
</TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="2" width="669">
  <p align="center"><font size="2">(Name of Registrant as Specified in Its Charter)</font></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="2" width="669"><font size="2">&nbsp; </font></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="2" width="669">
<P ALIGN="CENTER"><HR color="#000000">
</TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="2" width="669">
  <p align="center"><font size="2">(Name of Person(s) Filing Proxy Statement, if Other Than the Registrant)</font></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="2" width="669"><font size="2">&nbsp; </font></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="2" width="669"><font size="2">Payment of Filing Fee (Check the appropriate box):</font></TD></TR>
<TR VALIGN="TOP"><TD width="30"><b><font size="2">[X]</font></b></TD>
<TD width="638"><font size="2">No fee required.</font></TD></TR>
<TR VALIGN="TOP"><TD width="30"><font size="2">[&nbsp;&nbsp; ]</font></TD>
<TD width="638"><font size="2">Fee computed on table below per Exchange Act Rules 14a-6(i)(1) and 0-11.</font></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="2" width="669"><font size="2">&nbsp; </font></TD></TR>
<TR VALIGN="TOP"><TD width="30"><font size="2">(1)</font></TD>
<TD width="638"><font size="2">Title of each class of securities to which transaction applies:</font></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="2" width="669">
<P ALIGN="CENTER"><font size="2">N/A</font>
<HR color="#000000">
</TD></TR>
<TR VALIGN="TOP"><TD width="30"><font size="2">(2)</font></TD>
<TD width="638"><font size="2">Aggregate number of securities to which transactions applies:</font></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="2" width="669">
  <p align="center"><font size="2">N/A</font>
<HR color="#000000">
</TD></TR>
<TR VALIGN="TOP"><TD width="30"><font size="2">(3)</font></TD>
<TD width="638"><font size="2">Per unit price or other underlying value of transaction computed pursuant to Exchange Act Rule 0-11:</font></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="2" width="669">
  <p align="center"><font size="2">N/A</font>
<HR color="#000000">
</TD></TR>
<TR VALIGN="TOP"><TD width="30"><font size="2">(4)</font></TD>
<TD width="638"><font size="2">Proposed maximum aggregate value of transaction:</font></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="2" width="669">
  <p align="center"><font size="2">N/A</font>
<HR color="#000000">
</TD></TR>
<TR VALIGN="TOP"><TD width="30"><font size="2">(5)</font></TD>
<TD width="638"><font size="2">Total fee paid:</font></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="2" width="669"><CENTER><font size="2">N/A</font></CENTER>
<HR color="#000000">
</TD></TR>
<TR VALIGN="TOP"><TD width="30">[&nbsp; ]</TD>
<TD width="638"><font size="2">Fee paid previously with preliminary materials:</font></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="2" width="669"><CENTER><font size="2">N/A</font></CENTER>
<HR color="#000000">
</TD></TR>
<TR VALIGN="TOP"><TD width="30">[&nbsp; ]</TD>
<TD width="638"><font size="2">Check box if any part of the fee is offset as provided by Exchange Act Rule 0-11(a)(2) and identify the
filing for which the offsetting fee was paid previously.  Identify the previous filing by registration
statement number, or the form or schedule and the date of its filing.</font></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="2" width="669"><font size="2">&nbsp; </font></TD></TR>
<TR VALIGN="TOP"><TD width="30"><font size="2">(1)</font></TD>
<TD width="638"><font size="2">Amount previously paid:</font></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="2" width="669">
  <p align="center"><font size="2">N/A </font>
  <HR color="#000000">
</TD></TR>
<TR VALIGN="TOP"><TD width="30"><font size="2">(2)</font></TD>
<TD width="638"><font size="2">Form, Schedule or Registration Statement No.:</font></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="2" width="669">
  <p align="center"><font size="2">N/A</font>
<HR color="#000000">
</TD></TR>
<TR VALIGN="TOP"><TD width="30"><font size="2">(3)</font></TD>
<TD width="638"><font size="2">Filing Party:</font></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="2" width="669">
  <p align="center"><font size="2">N/A</font>
<HR color="#000000">
</TD></TR>
<TR VALIGN="TOP"><TD width="30"><font size="2">(4)</font></TD>
<TD width="638"><font size="2">Date Filed:</font></TD></TR>
<TR VALIGN="TOP"><TD COLSPAN="2" width="669">
  <p align="center"><font size="2">N/A</font>
<HR color="#000000">
</TD></TR></TABLE>
</P>
<CENTER>&nbsp;</CENTER>


<p align="left"><font size="2">&lt;PAGE&gt;</font></p>
<CENTER>
<p><font size="2">June 23, 2005</font></p>
</CENTER>


<p><font size="2"><BR WP="BR2">
<BR WP="BR1">Dear Stockholder:</font></p>
<P align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; You are cordially invited to attend the Annual Meeting of Stockholders of Riverview Bancorp, Inc.
("Company").  The meeting will be held at the Water Resources Education Center, Bruce E. Hagensen Community
Room, 4600 S.E. Columbia Way, Vancouver, Washington, on Wednesday, July 20, 2005 at 10:00 a.m., local time.</font></P>

<P align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Notice of Annual Meeting of Stockholders and Proxy Statement appearing on the following pages describe
the formal business to be transacted at the meeting.  During the meeting, we will also report on the operations of the
Company.  Directors and officers of the Company, as well as a representative of McGladrey &amp; Pullen, LLP, the
Company's independent auditors, will be present to respond to appropriate questions of stockholders.</font></P>

<P align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; We would like to remind you of the investment presentation by our trust company, Riverview Asset
Management Corp., starting at 9:30 a.m. prior to our Annual Meeting of Stockholders.
</font> </P>

<P align="justify">	<STRONG><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; It is important that your shares are represented at this meeting, whether or not you attend the meeting
in person and regardless of the number of shares you own.  To make sure your shares are represented, we urge
you to complete and mail the enclosed proxy card.  If you attend the meeting, you may vote in person even if you
have previously mailed a proxy card.</font></STRONG><font size="2"><BR WP="BR2">
</font>
</P>

<P>	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; We look forward to seeing you at the meeting.</font></P>

<P>					<font size="2">&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; Sincerely,<BR WP="BR2">
<BR WP="BR1">&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;
/s/Patrick Sheaffer&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font><BR>

<font size="2">&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; <BR WP="BR2">
&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; Patrick Sheaffer</font><BR>
					<font size="2">&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; Chairman and Chief Executive Officer<BR WP="BR2">
</font>
<P><HR color="#000000">

<STRONG><font size="2">IMPORTANT:  THE PROMPT RETURN OF PROXIES WILL SAVE THE COMPANY THE EXPENSE OF
FURTHER REQUESTS FOR PROXIES IN ORDER TO ENSURE A QUORUM.  A SELF-ADDRESSED
ENVELOPE IS ENCLOSED FOR YOUR CONVENIENCE.  NO POSTAGE IS REQUIRED IF MAILED IN
THE UNITED STATES.</font></STRONG><font size="2"> </font>

<HR color="#000000">
</P>

<P ALIGN="left"><font size="2">&lt;PAGE&gt;</font></P>

<P ALIGN="CENTER">&nbsp;</P>

<P ALIGN="CENTER"><STRONG><font size="2">RIVERVIEW BANCORP, INC.</font></STRONG><BR>
<STRONG><font size="2">900 Washington Street</font></STRONG><BR>
<STRONG><font size="2">Suite 900</font></STRONG><BR>
<STRONG><font size="2">Vancouver, Washington 98660</font></STRONG><BR>
<STRONG><font size="2">(360) 693-6650</font></STRONG></P>

<STRONG><HR color="#000000">
<CENTER><font size="2">NOTICE OF ANNUAL MEETING OF STOCKHOLDERS</font></STRONG><BR>
<STRONG><font size="2">To Be Held On July 20, 2005</font></STRONG></CENTER>

<STRONG><HR color="#000000">
</P>

</STRONG>
<p align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; NOTICE IS HEREBY GIVEN that the Annual Meeting of Stockholders ("Meeting") of Riverview Bancorp,
Inc. ("Company") will be held at the Water Resources Education Center, Bruce E. Hagensen Community Room, 4600
S.E. Columbia Way, Vancouver, Washington, on Wednesday, July 20, 2005, at 10:00 a.m., local time, for the following
purposes:
</font>
</p>
<TABLE BORDER="0" WIDTH="671" cellspacing="0" cellpadding="0" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="TOP"><TD width="33"></TD>
<TD width="52"><font size="2">1.</font></TD>
<TD width="586"><font size="2">To elect two directors of the Company; and</font></TD></TR>
<TR VALIGN="TOP"><TD width="33"></TD>
<TD width="52"></TD>
<TD width="586"></TD></TR>
<TR VALIGN="TOP"><TD width="33">&nbsp;</TD>
<TD width="52">&nbsp;</TD>
<TD width="586">&nbsp;</TD></TR>
<TR VALIGN="TOP"><TD width="33"></TD>
<TD width="52"><font size="2">2.</font></TD>
<TD width="586"><font size="2">To consider and act upon such other matters as may properly come before the Meeting or any
<BR>
adjournments or postponements thereof.</font></TD></TR></TABLE>

<P>	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; NOTE:  The Board of Directors is not aware of any other business to come before the Meeting.</font></P>

<P align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Any action may be taken on the foregoing proposals at the Meeting on the date specified above or on any date
or dates to which the Meeting may be adjourned or postponed.  Stockholders of record at the close of business on
May&nbsp;24, 2005 are entitled to notice of and to vote at the Meeting and any adjournments or postponements thereof.</font></P>

<P align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; You are requested to complete and sign the enclosed form of proxy, which is solicited by the Board of
Directors, and to mail it promptly in the enclosed envelope.  The proxy will not be used if you attend the Meeting and
vote in person.</font></P>

<P>					<font size="2">&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; BY ORDER OF THE BOARD OF DIRECTORS</font></P>

<font size="2">

<BR WP="BR2">
&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;
/s/Phyllis Kreibich</font><P>					<font size="2">&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; PHYLLIS KREIBICH</font><BR>

				<font size="2">&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; CORPORATE SECRETARY</font></P>

<P><font size="2">Vancouver, Washington</font><BR>
<font size="2">June 23, 2005</font></P>

<STRONG><HR color="#000000">

</STRONG><b><font size="2">IMPORTANT:  THE PROMPT RETURN OF PROXIES WILL SAVE THE COMPANY THE EXPENSE OF
FURTHER REQUESTS FOR PROXIES IN ORDER TO ENSURE A QUORUM.  A SELF-ADDRESSED
ENVELOPE IS ENCLOSED FOR YOUR CONVENIENCE.  NO POSTAGE IS REQUIRED IF MAILED IN
THE UNITED STATES. </font></b><HR color="#000000">&nbsp;<p align="left">
<font size="2">&lt;PAGE&gt;</font><BR>




</p>




<P><HR color="#000000">
<CENTER><STRONG><font size="2">PROXY STATEMENT</font></STRONG><BR>
<STRONG><font size="2">OF</font></STRONG><BR>
<STRONG><font size="2">RIVERVIEW BANCORP, INC.</font></STRONG><BR>
<STRONG><font size="2">900 Washington Street </font> </STRONG><BR>
<STRONG><font size="2">Suite 900</font></STRONG><BR>
<STRONG><font size="2">Vancouver, Washington 98660</font></STRONG><BR>
<STRONG><font size="2">(360) 693-6650</font></STRONG></p>
</CENTER>

<STRONG><P><HR color="#000000">


<CENTER><font size="2">ANNUAL MEETING OF STOCKHOLDERS</font></STRONG><BR>
<STRONG><font size="2">JULY 20, 2005</font></STRONG></CENTER>

<STRONG><HR color="#000000">
</P>

</STRONG>
<p align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; This Proxy Statement is furnished in connection with the solicitation of proxies by the Board of Directors of
Riverview Bancorp, Inc. ("Company") to be used at the Annual Meeting of Stockholders of the Company ("Meeting").
The Company is the holding company for Riverview Community Bank ("Bank").  The Meeting will be held at the Water
Resources Education Center, Bruce E. Hagensen Community Room, 4600 S.E. Columbia Way, Vancouver, Washington,
on Wednesday, July 20, 2005, at 10:00 a.m., local time.  This Proxy Statement and the enclosed proxy card are being
first mailed to stockholders on or about June 23, 2005. <BR WP="BR2">
</font>
</p>
<P><HR color="#000000">

<CENTER><STRONG><font size="2">VOTING AND PROXY PROCEDURE</font></STRONG></CENTER>
<HR color="#000000">
</P>

	<p align="justify">

	<EM><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Stockholders Entitled to Vote at Meeting.</font></EM><font size="2">  Stockholders of record at the close of business on May 24, 2005
("Voting Record Date") are entitled to one vote for each share of common stock of the Company ("Common Stock")
then held.  At the close of business on the Voting Record Date, the Company had 5,015,749 shares of Common Stock
issued and outstanding.

<BR WP="BR1"><BR WP="BR2">
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; As provided in the Company's Articles of Incorporation, record holders of Common Stock who beneficially
own, either directly or indirectly, in excess of 10% of the Company's outstanding shares are not entitled to any vote in
respect of the shares held in excess of the 10% limit.</font></p>
<P align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; If you are a beneficial owner of Common Stock held by a broker, bank or other nominee (<EM>i.e.</EM>, in "street name"),
you will need proof of ownership to be admitted to the Meeting.  A recent brokerage statement or letter from a bank or
broker are examples of proof of ownership.  If you want to vote your shares of Common Stock held in street name in
person at the Meeting, you will have to get a written proxy in your name from the broker, bank or other nominee who
holds your shares.</font></P>

<P align="justify">	<EM><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Quorum Requirement.</font></EM><font size="2">  The presence, in person or by proxy, of at least a majority of the total number of
outstanding shares of Common Stock entitled to vote is necessary to constitute a quorum at the Meeting.  Abstentions
and broker non-votes will be counted as shares present and entitled to vote at the Meeting for purposes of determining
the existence of a quorum.</font></P>

<P align="justify">	<EM><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Proxies; Proxy Revocation Procedures.</font></EM><font size="2">  The Board of Directors solicits proxies so that each stockholder has
the opportunity to vote on the election of the director nominees and the proposals to be considered at the Meeting.
When a proxy card is returned properly signed and dated, the shares represented thereby will be voted in accordance
with the instructions on the proxy card.  Where a proxy card is properly signed and dated but no instructions are
indicated, proxies will be voted FOR the nominees for directors set forth below.  If a stockholder attends the Meeting,
he or she may vote by ballot.</font></P>

<P align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Stockholders who execute proxies retain the right to revoke them at any time before they are voted.  Proxies
may be revoked by written notice delivered in person or mailed to the Corporate Secretary of the Company or by filing
a later dated proxy before a vote being taken on a particular proposal at the Meeting.  Attendance at the Meeting will
not automatically revoke a proxy, but a stockholder in attendance may request a ballot and vote in person, thereby
revoking a prior granted proxy.</font></P>

<P align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; If
your Common Stock is held in street name, you will receive instructions from
your broker, bank or other nominee that you must follow in order to have your
shares voted. Your broker or bank may allow you to deliver your </font></P>

<P>	<font size="2">&lt;PAGE&gt;</font></P>

<P>	<font size="2">voting instructions via the telephone or the Internet. Please
see the instruction form that accompanies this proxy statement. If you wish to
change your voting instructions after you have returned your voting instruction
form to your broker or bank, you must contact your broker or bank.</font></P>

<P align="justify">	<EM><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Participants in the Company ESOP. </font>  </EM>
<font size="2">If a stockholder is a participant in the Company Employee Stock
Ownership Plan ("ESOP"), the proxy card represents a voting instruction to the trustees of the ESOP as to the number
of shares in the participant's plan account.  Each participant in the ESOP may direct the trustees as to the manner in
which shares of Common Stock allocated to the participant's plan account are to be voted.  Unallocated shares of
Common Stock held by the ESOP and allocated shares for which no voting instructions are received will be voted by
the trustees in the same proportion as shares for which the trustees have received voting instructions.  The deadline for
returning your voting instructions to the trustees is July 8, 2005.</font></P>

<P align="justify">	<EM><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Vote Required.</font></EM><font size="2">  The two directors to be elected at the Meeting will be elected by a plurality of the votes cast
by stockholders present in person or by proxy and entitled to vote.  Pursuant to the Company's Articles of Incorporation,
stockholders are not permitted to cumulate their votes for the election of directors.  With respect to the election of
directors, votes may be cast for or withheld from one or more nominees.  Votes that are withheld and broker non-votes
will have no effect on the outcome of the election because the nominee receiving the greatest number of votes will be
elected.</font></P>

<HR color="#000000">

<STRONG><CENTER><font size="2">SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT</font></CENTER>
<HR color="#000000">
</P>

</STRONG>
<p>	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Persons and groups who beneficially own in excess of 5% of the Common Stock are required to file certain
reports with the Securities and Exchange Commission ("SEC"), and furnish a copy to the Company, disclosing such
ownership pursuant to the Securities Exchange Act of 1934, as amended ("Exchange Act").  Based on these reports,
the following table sets forth, at the close of business on the Voting Record Date, certain information as to those persons
who were beneficial owners of more than 5% of the outstanding shares of Common Stock.  To the Company's
knowledge, no other person or entity beneficially owned more than 5% of the Company's outstanding Common Stock
at the close of business on the Voting Record Date.

<BR WP="BR1"><BR WP="BR2">
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The following table also sets forth, at the close of business on the Voting Record Date, information as to the
shares of Common Stock beneficially owned by (a) each director, (b) each executive officer named in the Summary
Compensation Table found below ("Named Executive Officers") and (c) all directors and executive officers of the
Company as a group.</font></p>
<TABLE BORDER="0" WIDTH="100%" cellspacing="1" cellpadding="0" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="BOTTOM"><TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER" rowspan="2" valign="baseline"><font size="2">Number of Shares<BR>
Beneficially Owned (1)</font>
<HR color="#000000" width="94%">
  </TD>
<TD ALIGN="CENTER" rowspan="2"><font size="2">Percent of Shares<BR>
</font>
<font size="2">Outstanding (%) </font>

<HR color="#000000" width="94%">
  </TD></TR>
<TR VALIGN="BOTTOM"><TD ALIGN="CENTER">
  <p align="left"><font size="2">Name </font>

&nbsp;
  <HR color="#000000" width="94%" align="left">
</TD>
</TR>
<TR VALIGN="BOTTOM"><TD>&nbsp; </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD></TR>
<TR VALIGN="BOTTOM"><TD><STRONG><font size="2">Beneficial Owners of More Than 5%</font></STRONG></TD>
<TD ALIGN="RIGHT">&nbsp;</TD>
<TD ALIGN="RIGHT"></TD></TR>
<TR VALIGN="BOTTOM"><TD>&nbsp; </TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD></TR>
<TR VALIGN="BOTTOM"><TD></STRONG><font size="2">Riverview Community Bank</font></TD>
<TD ALIGN="center">                      <font size="2">435,483 (2)</font></TD>
<TD ALIGN="center"><font size="2">&nbsp;9.06%</font></TD></TR>
<TR VALIGN="BOTTOM"><TD><font size="2">Employee Stock Ownership Plan Trust</font></TD>
<TD ALIGN="center"></TD>
<TD ALIGN="center"></TD></TR>
<TR VALIGN="BOTTOM"><TD><font size="2">900 Washington Street, Suite 900</font></TD>
<TD ALIGN="center"></TD>
<TD ALIGN="center"></TD></TR>
<TR VALIGN="BOTTOM"><TD><font size="2">Vancouver, Washington 98660</font></TD>
<TD ALIGN="center"></TD>
<TD ALIGN="center"></TD></TR>
<TR VALIGN="BOTTOM"><TD>&nbsp; </TD>
<TD ALIGN="center"></TD>
<TD ALIGN="center"></TD></TR>
<TR VALIGN="BOTTOM"><TD><font size="2">Wellington Management Company, LLP. (3)</font></TD>
<TD ALIGN="center"><font size="2">379,600&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></TD>
<TD ALIGN="center"><font size="2">5.98&nbsp; </font></TD></TR>
<TR VALIGN="BOTTOM"><TD><font size="2">75 State Street</font></TD>
<TD ALIGN="center"></TD>
<TD ALIGN="center"></TD></TR>
<TR VALIGN="BOTTOM"><TD><font size="2">Boston, Massachusetts 02109</font></TD>
<TD ALIGN="center"></TD>
<TD ALIGN="center"></TD></TR>
<TR VALIGN="BOTTOM"><TD>&nbsp; </TD>
<TD ALIGN="center"></TD>
<TD ALIGN="center"></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="3">
  <p align="center"><EM><font size="2">(table continued on following page)</font></EM></TD></TR>
</TABLE>
<p align="center">&nbsp;</p>
<p align="center"><font size="2">2</font></p>
<p align="left"><font size="2">&lt;PAGE&gt;</font></p>
<TABLE BORDER="0" WIDTH="100%" cellspacing="1" cellpadding="0" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="BOTTOM"><TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER" rowspan="2"><font size="2">Number of Shares<BR>
</font>
<font size="2">Beneficially Owned (1)</font>
<HR color="#000000" width="94%">
  </TD>
<TD ALIGN="CENTER" rowspan="2"><font size="2">Percent of Shares<BR>
</font>
<font size="2">Outstanding (%) </font>
<HR color="#000000" width="94%">
  </TD></TR>
<TR VALIGN="BOTTOM"><TD ALIGN="CENTER">
  <p align="left"><font size="2">Name </font>

&nbsp;
  <HR color="#000000" width="94%" align="left">
</TD>
</TR>
<TR VALIGN="BOTTOM"><TD>&nbsp; </TD>
<TD ALIGN="RIGHT"></TD>

<TR VALIGN="BOTTOM"><TD><STRONG><font size="2">Directors</font></STRONG></TD>
<TD ALIGN="center"></TD>
<TD ALIGN="center"></TD></TR>
<TR VALIGN="BOTTOM"><TD>&nbsp; </TD>
<TD ALIGN="center"></TD>
<TD ALIGN="center"></TD></TR>
<TR VALIGN="BOTTOM"><TD><font size="2">Gary R. Douglass</font></TD>
<TD ALIGN="center"><font size="2">30,240&nbsp;&nbsp; </font></TD>
<TD ALIGN="center"><font size="2">* </font>  </TD></TR>
<TR VALIGN="BOTTOM"><TD><font size="2">Robert K. Leick</font></TD>
<TD ALIGN="center"><font size="2">10,998&nbsp;&nbsp; </font></TD>
<TD ALIGN="center"><font size="2">* </font>  </TD></TR>
<TR VALIGN="BOTTOM"><TD><font size="2">Paul L. Runyan</font></TD>
<TD ALIGN="center"><font size="2">121,201&nbsp;&nbsp;&nbsp; </font></TD>
<TD ALIGN="center"><font size="2">2.42</font></TD></TR>
<TR VALIGN="BOTTOM"><TD><font size="2">Edward R. Geiger</font></TD>
<TD ALIGN="center"><font size="2">11,732&nbsp;&nbsp; </font></TD>
<TD ALIGN="center"><font size="2">* </font>  </TD></TR>
<TR VALIGN="BOTTOM"><TD><font size="2">Michael D. Allen</font></TD>
<TD ALIGN="center"><font size="2">17,367&nbsp;&nbsp; </font></TD>
<TD ALIGN="center"><font size="2">* </font>  </TD></TR>
<TR VALIGN="BOTTOM"><TD>&nbsp; </TD>
<TD ALIGN="center"></TD>
<TD ALIGN="center"></TD></TR>
<TR VALIGN="BOTTOM"><TD><STRONG><font size="2">Named Executive Officers</font></STRONG></TD>
<TD ALIGN="center"></TD>
<TD ALIGN="center"></TD></TR>
<TR VALIGN="BOTTOM"><TD>&nbsp; </TD>
<TD ALIGN="center"></TD>
<TD ALIGN="center"></TD></TR>
<TR VALIGN="BOTTOM"><TD><font size="2">Patrick Sheaffer**</font></TD>
<TD ALIGN="center"><font size="2">280,875&nbsp;&nbsp; </font></TD>
<TD ALIGN="center"><font size="2">5.55</font></TD></TR>
<TR VALIGN="BOTTOM"><TD><font size="2">Ronald A. Wysaske**</font></TD>
<TD ALIGN="center"><font size="2">106,234&nbsp;&nbsp; </font></TD>
<TD ALIGN="center"><font size="2">2.11</font></TD></TR>
<TR VALIGN="BOTTOM"><TD><font size="2">John A. Karas</font></TD>
<TD ALIGN="center"><font size="2">&nbsp; 17,981</font></TD>
<TD ALIGN="center"><font size="2">* </font>  </TD></TR>
<TR VALIGN="BOTTOM"><TD><font size="2">David Dahlstrom</font></TD>
<TD ALIGN="center"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10,022&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></TD>
<TD ALIGN="center"><font size="2">* </font>  </TD></TR>
<TR VALIGN="BOTTOM"><TD><font size="2">Ronald L. Dobyns</font></TD>
<TD ALIGN="center"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14,745&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></TD>
<TD ALIGN="center"><font size="2">* </font>  </TD></TR>
<TR VALIGN="BOTTOM"><TD><font size="2">James D. Baldovin</font></TD>
<TD ALIGN="center"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,444&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></TD>
<TD ALIGN="center"><font size="2">* </font>  </TD></TR>
<TR VALIGN="BOTTOM"><TD>&nbsp; </TD>
<TD ALIGN="center"></TD>
<TD ALIGN="center"></TD></TR>
<TR VALIGN="BOTTOM"><TD><font size="2">All Executive Officers and Directors
  </font> </TD>
<TD ALIGN="center"></TD>
<TD ALIGN="center"></TD></TR>
<TR VALIGN="BOTTOM"><TD>  <font size="2">as a Group (14 persons)</font></TD>
<TD ALIGN="center"><font size="2">&nbsp;&nbsp; 714,090&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></TD>
<TD ALIGN="center"><font size="2">&nbsp; 13.82%</font></TD></TR></TABLE><BR>

<HR ALIGN="LEFT" WIDTH="11%" color="#000000">
<TABLE BORDER="0" WIDTH="671" cellspacing="0" cellpadding="0" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="TOP"><TD width="22"><font size="2">*</font></TD>
<TD width="649"><font size="2">Less than one percent of shares outstanding.</font></TD></TR>
<TR VALIGN="TOP"><TD width="22"><font size="2">**</font></TD>
<TD width="649"><font size="2">Mr. Sheaffer and Mr. Wysaske are also directors of the Company.</font></TD></TR>
<TR VALIGN="TOP"><TD width="22"><font size="2">(1)</font></TD>
<TD width="649"><font size="2">In accordance with Rule 13d-3 under the Exchange Act, a person is deemed to be the beneficial owner, for purposes
of this table, of any shares of Common Stock over which he or she has voting and/or investment power and of
which he or she has the right to acquire beneficial ownership within 60 days of the Voting Record Date.  The table
includes shares owned by spouses, other immediate family members in trust, shares held in retirement accounts or
funds for the benefit of the named individuals, and other forms of ownership, over which shares the persons named
in the table may possess voting and/or investment power.  The amounts shown include the following amounts of
Common Stock which the following individuals have the right to acquire within 60 days of the Voting Record Date
through the exercise of stock options granted pursuant to the Company's 1998 Stock Option Plan: Mr. Douglass,
6,822 shares; Mr. Leick, 1,998 shares; Mr. Geiger, 9,998 shares; Mr. Allen, 10,000; Mr. Sheaffer, 41,227 shares;
Mr. Wysaske, 29,671 shares; Mr. Karas, 12,500 shares; Mr. Dahlstrom, 8,000 shares; Mr. Dobyns, 2,000 shares;
Mr. Baldovin, 3,000 shares; and all executive officers and directors of the Company as a group, 152,095 shares.</font></TD></TR>
<TR VALIGN="TOP"><TD width="22">
<font size="2">(2)</font><TD width="649">
<font size="2">Under the terms of the ESOP, the trustees will vote unallocated shares and allocated shares for which no voting
instructions are received in the same proportion as shares for which the trustees have received voting instructions
from participants.  As of the close of business on the Voting Record Date, 308,861 shares have been allocated to
participants' accounts.  The trustees of the ESOP are Mr. Sheaffer and Mr. Wysaske.
</font> </TD></TR>
<TR VALIGN="TOP"><TD width="22"><font size="2">(3)</font></TD>
<TD width="649"><font size="2">Based solely on an SEC Schedule 13G, dated February 14, 2005, that discloses shared voting power as to 289,700
shares, shared dispositive power as to 372,200 shares and an aggregate amount beneficially owned of 379,600
shares.</font></TD></TR></TABLE>

<font size="2">

<BR WP="BR1">&nbsp;</font><P><HR color="#000000">

<STRONG><CENTER><font size="2">PROPOSAL I - ELECTION OF DIRECTORS</font></STRONG></CENTER>
<HR color="#000000">
</P>

	<p align="justify">

	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Company's Board of Directors consists of seven members.  In accordance with the Company's Articles
of Incorporation, the Board is divided into three classes with three-year staggered terms, with approximately one-third
of the directors elected each year.  Two directors will be elected at the Meeting to serve for a term of three years, or until
their respective successors have been elected and qualified.<BR>
<P align="justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The nominees for election this year are Patrick Sheaffer and Edward R. Geiger, each of whom is a current
member of the Board of Directors of the Company.</font><p>

&nbsp;</p>
<p align="center">

<font size="2">3</font></p>
<p align="justify">

<font size="2">&lt;PAGE&gt;<BR WP="BR1"><BR WP="BR2">
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; It is intended that the proxies solicited by the Board of Directors will be voted for the election of the below
named nominees.  If any nominee is unable to serve, the shares represented by all valid proxies will be voted for the
election of such substitute as the Board of Directors may recommend or the Board of Directors may adopt a resolution
to amend the Bylaws and reduce the size of the Board.  At this time the Board of Directors knows of no reason why any
nominee might be unavailable to serve.</font></p>
<p align="justify">	<STRONG><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Board of Directors recommends a vote "FOR" the election of Messrs. Sheaffer and Geiger.</font></STRONG></p>
<p align="justify">

<font size="2">

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The following table sets forth certain information regarding the nominees for election at the Meeting and those
directors continuing in office after the Meeting.</font></p>
<TABLE BORDER="0" WIDTH="100%" cellspacing="1" cellpadding="0" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="BOTTOM"><TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER" rowspan="2"><font size="2">Age as of<BR>
</font>
<font size="2">March 31, 2005</font>
<HR color="#000000" width="94%">
  </TD>
<TD ALIGN="CENTER" rowspan="2"><font size="2">Year First Elected or<BR>
</font>
<font size="2">Appointed Director (1) </font>
<HR color="#000000" width="94%">
  </TD>
<TD ALIGN="CENTER" rowspan="2"><font size="2">Term to<BR></font>
<font size="2">Expire </font>
<HR color="#000000" width="94%">
  </TD></TR>
<TR VALIGN="BOTTOM"><TD ALIGN="CENTER">
  <p align="left"><font size="2">&nbsp;Name </font>
  <HR color="#000000" width="97%" align="left">
</TD>
</TR>
<TR VALIGN="BOTTOM"><TD>&nbsp; </TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="4">
  <p align="center"><STRONG><font size="2">BOARD NOMINEES</font></STRONG></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="4"></TD></TR>
<TR VALIGN="BOTTOM"><TD>&nbsp;</TD>
<TD ALIGN="CENTER">&nbsp;</TD>
<TD ALIGN="CENTER">&nbsp;</TD>
<TD ALIGN="CENTER">     &nbsp;</TD></TR>
<TR VALIGN="BOTTOM"><TD><font size="2">Patrick Sheaffer</font></TD>
<TD ALIGN="CENTER"><font size="2">65</font></TD>
<TD ALIGN="CENTER"><font size="2">1979</font></TD>
<TD ALIGN="CENTER">     <font size="2">2008 (2)</font></TD></TR>
<TR VALIGN="BOTTOM"><TD><font size="2">Edward R. Geiger</font></TD>
<TD ALIGN="CENTER"><font size="2">62</font></TD>
<TD ALIGN="CENTER"><font size="2">1999</font></TD>
<TD ALIGN="CENTER">     <font size="2">2008 (2)</font></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="4">&nbsp; </TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="4">
<P ALIGN="CENTER"><STRONG><font size="2">DIRECTORS CONTINUING IN OFFICE</font></STRONG></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="4">&nbsp; </TD></TR>
<TR VALIGN="BOTTOM"><TD><font size="2">Robert K. Leick</font></TD>
<TD ALIGN="CENTER"><font size="2">69</font></TD>
<TD ALIGN="CENTER"><font size="2">1972</font></TD>
<TD ALIGN="CENTER"><font size="2">2006&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></TD></TR>
<TR VALIGN="BOTTOM"><TD><font size="2">Gary R. Douglass</font></TD>
<TD ALIGN="CENTER"><font size="2">63</font></TD>
<TD ALIGN="CENTER"><font size="2">1994</font></TD>
<TD ALIGN="CENTER"><font size="2">2006&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></TD></TR>
<TR VALIGN="BOTTOM"><TD><font size="2">Paul L. Runyan</font></TD>
<TD ALIGN="CENTER"><font size="2">70</font></TD>
<TD ALIGN="CENTER"><font size="2">1979</font></TD>
<TD ALIGN="CENTER"><font size="2">2007&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></TD></TR>
<TR VALIGN="BOTTOM"><TD><font size="2">Ronald A. Wysaske</font></TD>
<TD ALIGN="CENTER"><font size="2">52</font></TD>
<TD ALIGN="CENTER"><font size="2">1985</font></TD>
<TD ALIGN="CENTER"><font size="2">2007&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></TD></TR>
<TR VALIGN="BOTTOM"><TD><font size="2">Michael D. Allen</font></TD>
<TD ALIGN="CENTER"><font size="2">63</font></TD>
<TD ALIGN="CENTER"><font size="2">2001</font></TD>
<TD ALIGN="CENTER"><font size="2">2007&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></TD></TR></TABLE>
<HR ALIGN="LEFT" WIDTH="11%" color="#000000">
<TABLE BORDER="0" WIDTH="100%" cellspacing="1" cellpadding="0" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="TOP"><TD><font size="2">(1)</font></TD>
<TD><font size="2">Includes service on the Board of Directors of the Bank.</font></TD></TR>
<TR VALIGN="TOP"><TD><font size="2">(2)</font></TD>
<TD><font size="2">Assuming the individual is re-elected.</font></TD></TR></TABLE>

<P align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The present principal occupation and other business experience during the last five years of each nominee for
election and each director continuing in office is set forth below:</font><BR>

<P align="justify">	<EM><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Patrick Sheaffer</font></EM><font size="2"> joined the Bank in 1965 and has served as Chief Executive Officer since 1976.  He became
Chairman of the Board in 1993.  He has been Chairman of the Board and Chief Executive Officer of the Company since
its inception in 1997.  He is responsible for the daily operations and the management of the Company.  Mr. Sheaffer
is active in numerous professional and civic organizations.</font></P>

<P align="justify">	<EM><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Edward R. Geiger </font> </EM><font size="2">is a business management and executive search consultant with over 35 years of experience.
Prior to establishing his consulting firm, Mr. Geiger was Corporate Controller at Pacific Telecom, Inc.  His prior
experience also includes three other Fortune 500 companies, municipal government and the military.  Mr. Geiger, an
inactive certified public accountant, is an active volunteer currently serving on the boards of directors of three non-profit
organizations, as well as on the board of directors of one other company.</font></P>

<P align="justify">	<EM><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Robert K. Leick</font></EM><font size="2">, an attorney in private practice, was a prosecuting attorney for Skamania County, Washington,
from 1967 to 1994.  He has served on the Port of Skamania County, S.W. Washington Air Pollution Authority, Fort
Vancouver Regional Library, Washington State Association of Prosecuting Attorneys (Past President), Skamania County
Historical Society, Skamania County Chamber of Commerce and Skamania County E.D.C.  He is currently serving on
the Board of Directors of Cascade Wood Components, Riverview Asset Management Corp. and Orchards Hills Country
Club.</font></P>

<P align="justify">	<EM><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Gary R. Douglass</font></EM><font size="2">, a certified public accountant, is a partner of Douglass, Paulson &amp; Lessard, CPAs, PC, in
Camas, Washington.  He also serves on the Board of Directors of Riverview Asset Management Corp. and is President
of Orchards Hills Country Club.</font></P>

<P>	&nbsp;</P>

<P align="center">	<font size="2">4</font></P>

<P align="left">	<font size="2">&lt;PAGE&gt;</font></P>

<P align="justify">	<EM><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Paul L. Runyan</font></EM><font size="2">, owned and operated Runyan's Jewelry Store in White Salmon, Washington from 1954 until
his retirement in 2004. He is an active member of numerous civic and community organizations, including the White
Salmon Elks, Order of the Eastern Star of the Grand Chapter of Washington and Masonic Lodge in Washougal and
White Salmon.  Mr. Runyan owns and operates the Mountain Brook Tree Farm near White Salmon.</font></P>

<P align="justify">	<EM><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Ronald A. Wysaske</font></EM><font size="2"> joined the Bank in 1976.  He became President and Chief Operating Officer of the Bank
and the Company in February 2004.  He has been a member of the Board of Directors of the Bank since 1985, and the
Company since its inception in 1997.  Prior to his appointment as President and Chief Operating Officer, he served as
Executive Vice President, Treasurer and Chief Financial Officer of the Bank since 1981 and of the Company since its
inception.  He is responsible for the daily operations and the management of the Bank.  Mr. Wysaske holds a B.A. and
an M.B.A. from Washington State University, and is active in numerous professional, educational and civic
organizations.<BR WP="BR2">
</font></P>

<P align="justify">	<EM><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Michael D. Allen </font> </EM><font size="2">began his career with Seafirst in 1964 and progressed through a number of management
positions, including serving as Vice President and Credit Supervisor for Southwest Washington.  In 1989, Mr. Allen
became the Executive Vice President of Northwest National Bank, responsible for commercial and retail banking
operations.  During that Bank's pending acquisition by US Bank, Mr. Allen served as President.  He is a past board
member of the Southwest Washington Private Industry Council, Identity Clark County, the Vancouver Housing
Authority and the Community Housing Resource Center.</font></P>

<P><HR color="#000000">
<CENTER><STRONG><font size="2">MEETINGS AND COMMITTEES OF THE BOARD OF DIRECTORS</font></STRONG></CENTER>
<HR color="#000000">
</P>

	<p align="justify">

	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Boards of Directors of the Company and the Bank conduct their business through meetings of the Boards
and through their committees.  During the fiscal year ended March 31, 2005, the Board of Directors of the Company
held nine regular meetings and the Board of Directors of the Bank held nine regular meetings.  No director of the
Company or the Bank attended fewer than 75% of the total meetings of the Boards and committees on which such
person served during this period.<STRONG>  </STRONG>A majority of the Board of Directors is comprised of independent directors, in
accordance with the requirements for companies quoted on The Nasdaq Stock Market.  The Board of Directors has
determined that Messrs. Allen, Douglass, Geiger, Leick and Runyan are independent. <BR>
</font><BR>
    <EM><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Committees of the Company's Board.</font></EM><font size="2">  The Company's Board of Directors has a standing Audit Committee
and Nominating Committee.  There is no Executive Committee of the Company's Board of Directors, and the
Personnel/Compensation Committee of the Bank serves as the Company's Compensation Committee.</font><P align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Audit Committee consists of Directors Douglass (Chairman), Geiger and Allen and is responsible for
developing and monitoring the audit program.  It also has the sole authority to appoint or replace the Company's
independent auditors.  The Committee meets with the independent auditors to discuss the results of the annual audit and
quarterly procedures.  The members of the Committee also receive and review all the reports, findings and other
information presented to them by the officers regarding financial reporting policies and practices.  Each member of the
Audit Committee is "independent," in accordance with the requirements for companies quoted on The Nasdaq Stock
Market.  In addition, Mr. Douglass meets the definition of "audit committee financial expert," as defined by the
Securities and Exchange Commission ("SEC").  The Audit Committee met nine times during the fiscal year ended
March 31, 2005.</font></P>

<P align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Nominating Committee consists of Directors Leick (Chairman), Douglass and Geiger and is responsible
for selecting nominees for the election of directors and developing a list of nominees for Board vacancies.  The
Committee has a Charter which specifies its obligations.  A copy of the Charter is available on the Company's website
at www.riverviewbank.com.  Each member of the Committee is "independent," in accordance with the requirements
for companies quoted on The Nasdaq Stock Market.  The Committee met once during the fiscal year ended March 31,
2005. </font>  </P>

<P align="justify"><FONT FACE="Times New Roman" size="2">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Nominating Committee met on April 20, 2005 to nominate directors for
election at the Meeting. Only those nominations made by the Committee or
properly presented by stockholders will be voted upon at the Meeting. In its
deliberations for selecting candidates for nominees as director, the Nominating
Committee considers the candidate's </FONT></P>

<P align="center"><font size="2">5</font></P>

<P align="left"><font size="2">&lt;PAGE&gt;</font></P>

<P align="justify"><FONT FACE="Times New Roman" size="2">	knowledge of the banking business
and involvement in community, business and civic affairs, and also considers
whether the candidate would provide for adequate representation of its market
area. Any nominee for director made by the Committee must be highly qualified
with regard to some or all these attributes. In searching for qualified director
candidates to fill vacancies in the Board, the Committee solicits its current
Board of Directors for names of potentially qualified candidates. Additionally,
the Committee may request that members of the Board of Directors pursue their
own business contacts for the names of potentially qualified candidates. The
Committee would then consider the potential pool of director candidates, select
the candidate the Committee believes best meets the then-current needs of the
Board, and conduct a thorough investigation of the proposed candidate's
background to ensure there is no past history that would cause the candidate not
to be qualified to serve as a director of the Company. The Committee will
consider director candidates recommended by the Company's stockholders. If a
stockholder submits a proposed nominee, the Committee would consider the
proposed nominee, along with any other proposed nominees recommended by members
of the Company's Board of Directors, in the same manner in which the Committee
would evaluate its nominees for director. For a description of the proper
procedure for stockholder nominations, see &quot;Stockholder Proposals and
Nominations&quot; in this proxy statement.</FONT></P>

<p align="justify">

<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <EM>	Committees of the Bank's Board.</EM>  The Bank's Board of Directors has standing Executive, Audit,
Personnel/Compensation, Compliance and Senior Loan Committees, among others.</font></p>
<P align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Executive Committee, which consists of Directors Sheaffer (Chairman), Douglass and Allen meets as
necessary in between meetings of the full Board of Directors.  The Executive Committee met three times during the
fiscal year ended March 31, 2005.</P>
<p align="justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Audit Committee consists of Directors Douglass (Chairman), Geiger and Allen and is responsible for
developing and monitoring the audit program.  The Committee meets with the independent auditors to discuss the results
of the annual audit and quarterly procedures.  The members of the Committee also receive and review all the reports,
findings and other information presented to them by the officers regarding financial reporting policies and practices.
The Audit Committee met nine times during the fiscal year ended March 31, 2005.</font></p>
<P align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Personnel/Compensation Committee consists of Directors Runyan (Chairman), Douglass and Allen.  This
Committee determines annual grade and salary levels for employees and establishes personnel policies.  The Committee
also serves as the Company's Compensation Committee.  Each member of the Personnel/Compensation Committee is
"independent," in accordance with the requirements for companies quoted on The Nasdaq Stock Market.  The
Compensation Committee did not meet at the holding company level during the fiscal year ended March 31, 2005.  The
Bank's Personnel/Compensation Committee, however, met four times during the fiscal year ended March 31, 2005.</font></P>

<p align="justify">

<font size="2">

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Compliance Committee consists of Directors Leick (Chairman), Douglass, Geiger, Runyan and Allen.
This committee is responsible for directing and monitoring the internal audit and compliance programs.  The Compliance
Committee met six times during the fiscal year ended March 31, 2005.</font></p>
<p align="justify">

<font size="2">

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Senior Loan Committee consists of Directors Sheaffer, Douglass and Allen, and is chaired by Executive
Vice President David A. Dahlstrom, who does not vote on matters presented to the Committee.  The Committee reviews
and approves all aggregate lending relationships from $3 million to the Bank's internal loan limit.  The Senior Loan
Committee met 30 times during the fiscal year ended March 31, 2005.</font></p>
<P align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The full Board of Directors of the Bank acts as the Nominating Committee to submit nominations for the
annual election of directors.  The full Board of Directors met once in its capacity as the Nominating Committee during
the fiscal year ended March 31, 2005.</font></P>

<P align="justify">	<STRONG><font size="2">Board Policies Regarding Communications with the Board of Directors and Attendance at Annual Meetings</font></STRONG></P>

<P align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Board of Directors maintains a process for stockholders to communicate with
the Board of Directors. Stockholders wishing to communicate with the Board of
Directors should send any communication to the Corporate Secretary, Riverview
Bancorp, Inc., 900 Washington Street, Suite 900, Vancouver, Washington 98660.
Any communication must state the number of shares beneficially owned by the
stockholder making the communication. The
</font> </P>

<P align="center">	<font size="2">6</font></P>

<P align="left">	<font size="2">&lt;PAGE&gt;</font></P>

<P align="justify">	<font size="2">Corporate Secretary will forward such communication to the
full Board of Directors or to any individual director or directors to whom the
communication is directed unless the communication is unduly hostile,
threatening, illegal or similarly inappropriate, in which case the Corporate
Secretary has the authority to discard the communication or take appropriate
legal action. The Company does not have a policy regarding Board member
attendance at annual meetings of stockholders. All seven members of the Board of
Directors attended the 2004 Annual Meeting of Stockholders.
</font> </P>

<STRONG><font size="2">Corporate Governance</font></STRONG><p align="justify">

<font size="2">

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

The Company and the Bank are committed to establishing and maintaining high standards of corporate
governance.  The Board of Directors is cognizant of its responsibility to comply with the provisions contained in the
Sarbanes-Oxley Act of 2002, the rules and regulations of the SEC adopted thereunder, and the Nasdaq Stock Market
with respect to corporate governance.  The Board and its committees will continue to evaluate and improve the
Company's and the Bank's corporate governance principles and policies as necessary and as required.</font></p>
<p align="justify">
<EM><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Code of Ethics.</font></EM><font size="2">  On January 19, 2005, the Board of Directors reviewed and approved the Officer and Director
Code of Ethics, that had originally been adopted December 17, 2003.  The Code is applicable to each of the Company's
directors and officers, including the principal executive officer and senior financial officers, and requires individuals
to maintain the highest standards of professional conduct.  A copy of the Code of Ethics is available on the Company's
website at <u>www.riverviewbank.com</u>.</font><STRONG></p>
</P>
<P><HR color="#000000"></STRONG><CENTER><b><font size="2">DIRECTORS' COMPENSATION</font></b></CENTER>
<HR color="#000000">
</P>

	<p align="justify">

	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Directors receive an annual retainer of $4,600 and a fee of $900 for each board meeting attended.  Outside
directors also receive $225 for each committee meeting attended.<STRONG>  </STRONG>Director and committee fees totaled $115,800 for the
year ended March 31, 2005.

<BR WP="BR1"><BR WP="BR2">
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Directors may elect to defer their retainer and monthly fees until retirement with no income tax payable by the
director until retirement benefits are received.  This alternative is available through a non-qualified deferred
compensation plan adopted by the Bank in December 1986, and subsequently amended.  If the participant's employment
is terminated on or after the date he attains age 65 or five years of participation in the plan ("Normal Retirement Date"),
the Company shall pay the participant or his designated beneficiaries in annual or monthly installments over a period
of 120 months, an amount equal to the balance in the participant's account immediately before the date on which
benefits commence, plus interest on the unpaid balance.  Participants may also choose two optional forms of benefit
payments:  (i) a lump-sum payment within five years of the Normal Retirement Date; or (ii) an annuity over the life of
the participant, or a joint survivor annuity over the lives of the participant and the participant's spouse.  Benefits are also
payable upon disability, early retirement, termination of service or death.  The Company pays annual interest on assets
under the plan based on a formula relating to gross revenues, which amounted to 6.04% for the calendar year ended
December 31, 2004.  The estimated liability under the plan is accrued as earned by the participant.  At March 31, 2005,
the Company's aggregate liability under the plan was $1.6 million.</font></p>
<p align="center"><font size="2">7</font></p>
<p align="left"><font size="2">&lt;PAGE&gt;</font></p>

<HR color="#000000"><STRONG><CENTER><font size="2">EXECUTIVE COMPENSATION</font></CENTER><HR color="#000000">
</P>

</STRONG>

<p align="justify">

<STRONG><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Summary Compensation Table.</font></STRONG><font size="2">  The following information is furnished for the Chief Executive Officer of
the Company and for the executive officers of the Company who received salary and incentive compensation in excess
of $100,000 for the year ended March 31, 2005 ("Named Executive Officers").  No other executive officers of the
Company or its subsidiaries received salary and bonus in excess of $100,000 during the year ended March 31, 2005.
</font>
</p>
<TABLE BORDER="0" WIDTH="100%" cellspacing="1" cellpadding="0" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="BOTTOM"><TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD COLSPAN="2" ALIGN="CENTER"></TD>
<TD ALIGN="CENTER" rowspan="3"><EM><font size="2">Long-term<BR>
</font></EM>
<EM><font size="2">Compensation</font></EM><BR>
</EM><EM><font size="2">Awards</font></EM>
<HR color="#000000" width="97%">
  </TD>
<TD ALIGN="CENTER">&nbsp;</TD></TR>
<TR VALIGN="BOTTOM"><TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD COLSPAN="2" ALIGN="CENTER" rowspan="2"></EM><EM><font size="2">Annual<BR>
</font></EM></EM>
<i>
<font size="2">Compensation (1) </font></i> <HR color="#000000" width="97%">
  </TD>
<TD ALIGN="CENTER">&nbsp;</TD></TR>
<TR VALIGN="BOTTOM"><TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD></TR>
<TR VALIGN="BOTTOM"><TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER" rowspan="3"><EM><font size="2">Restricted<BR>
</font></EM></EM>
<EM><font size="2">Stock</font></EM><BR>
<EM><font size="2">Awards ($)</font></EM><font size="2">
</font>
<HR color="#000000" width="97%">
  </TD>
<TD ALIGN="CENTER" rowspan="3"><EM>   <font size="2">All Other<BR>
</font></EM>
<EM><font size="2">Compensation</font></EM><BR>
<EM><font size="2">($)(2)</font></EM><font size="2"> </font>
<HR color="#000000" width="97%">
  </TD></TR>
<TR VALIGN="BOTTOM"><TD ALIGN="CENTER">&nbsp;</TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
</TR>
<TR VALIGN="BOTTOM"><TD ALIGN="CENTER">
  <p align="left"><EM><font size="2">Name and Position</font></EM><font size="2">
  </font>
<HR color="#000000" width="97%">
</TD>
<TD ALIGN="CENTER"><EM><font size="2">Year</font></EM><font size="2"> </font>
<HR color="#000000" width="97%">
</TD>
<TD ALIGN="CENTER"><EM><font size="2">Salary ($)</font></EM><font size="2">
</font>
<HR color="#000000" width="97%">
</TD>
<TD ALIGN="CENTER"><EM><font size="2">Bonus ($)</font></EM><font size="2">
</font>
<HR color="#000000" width="97%">
</TD>
</TR>
<TR VALIGN="BOTTOM"><TD>&nbsp; </TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD></TR>
<TR VALIGN="BOTTOM"><TD><font size="2">Patrick Sheaffer</font></TD>
<TD ALIGN="CENTER"><font size="2">2005</font></TD>
<TD ALIGN="center"><font size="2">$192,319&nbsp; </font></TD>
<TD ALIGN="center"><font size="2">$78,854</font></TD>
<TD ALIGN="CENTER"><font size="2">--</font></TD>
<TD ALIGN="center"><font size="2">26,795</font></TD></TR>
<TR VALIGN="BOTTOM"><TD>  <font size="2">&nbsp; Chairman and </font> </TD>
<TD ALIGN="CENTER"><font size="2">2004</font></TD>
<TD ALIGN="center"><font size="2">&nbsp;177,505</font></TD>
<TD ALIGN="center"><font size="2">&nbsp; 49,383</font></TD>
<TD ALIGN="CENTER"><font size="2">--</font></TD>
<TD ALIGN="center"><font size="2">25,981</font></TD></TR>
<TR VALIGN="BOTTOM"><TD>  <font size="2">&nbsp; Chief Executive Officer</font></TD>
<TD ALIGN="CENTER"><font size="2">2003</font></TD>
<TD ALIGN="center"><font size="2">&nbsp;156,106</font></TD>
<TD ALIGN="center"><font size="2">&nbsp; 54,584</font></TD>
<TD ALIGN="CENTER"><font size="2">--</font></TD>
<TD ALIGN="center"><font size="2">16,683</font></TD></TR>
<TR VALIGN="BOTTOM"><TD>&nbsp; </TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="center"></TD>
<TD ALIGN="center"></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="center"></TD></TR>
<TR VALIGN="BOTTOM"><TD><font size="2">Ronald A. Wysaske</font></TD>
<TD ALIGN="CENTER"><font size="2">2005</font></TD>
<TD ALIGN="center"><font size="2">&nbsp;161,519</font></TD>
<TD ALIGN="center"><font size="2">&nbsp; 51,504</font></TD>
<TD ALIGN="CENTER"><font size="2">--</font></TD>
<TD ALIGN="center"><font size="2">22,101</font></TD></TR>
<TR VALIGN="BOTTOM"><TD>  <font size="2">&nbsp; President and </font> </TD>
<TD ALIGN="CENTER"><font size="2">2004</font></TD>
<TD ALIGN="center"><font size="2">&nbsp;129,699</font></TD>
<TD ALIGN="center"><font size="2">&nbsp;&nbsp; 32,255</font></TD>
<TD ALIGN="CENTER"><font size="2">--</font></TD>
<TD ALIGN="center"><font size="2">18,801</font></TD></TR>
<TR VALIGN="BOTTOM"><TD>  <font size="2">&nbsp; Chief Operating Officer</font></TD>
<TD ALIGN="CENTER"><font size="2">2003</font></TD>
<TD ALIGN="center"><font size="2">&nbsp;114,037</font></TD>
<TD ALIGN="center"><font size="2">&nbsp;&nbsp; 34,762</font></TD>
<TD ALIGN="CENTER"><font size="2">--</font></TD>
<TD ALIGN="center"><font size="2">16,151</font></TD></TR>
<TR VALIGN="BOTTOM"><TD>&nbsp; </TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="center"></TD>
<TD ALIGN="center"></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="center"></TD></TR>
<TR VALIGN="BOTTOM"><TD><font size="2">David Dahlstrom</font></TD>
<TD ALIGN="CENTER"><font size="2">2005</font></TD>
<TD ALIGN="center"><font size="2">125,569</font></TD>
<TD ALIGN="center"><font size="2">&nbsp; 44,190</font></TD>
<TD ALIGN="CENTER"><font size="2">--</font></TD>
<TD ALIGN="center"><font size="2">17,263</font></TD></TR>
<TR VALIGN="BOTTOM"><TD>  <font size="2">&nbsp; Executive Vice President and</font></TD>
<TD ALIGN="CENTER"><font size="2">2004</font></TD>
<TD ALIGN="center"><font size="2">112,094</font></TD>
<TD ALIGN="center"><font size="2">&nbsp; 35,245</font></TD>
<TD ALIGN="CENTER"><font size="2">--</font></TD>
<TD ALIGN="center"><font size="2">&nbsp; 9,867</font></TD></TR>
<TR VALIGN="BOTTOM"><TD>  <font size="2">&nbsp; Chief Credit Officer</font></TD>
<TD ALIGN="CENTER"><font size="2">2003</font></TD>
<TD ALIGN="center"> <font size="2">&nbsp; 96,890</font></TD>
<TD ALIGN="center"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</font></TD>
<TD ALIGN="CENTER"><font size="2">--</font></TD>
<TD ALIGN="center"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</font></TD></TR>
<TR VALIGN="BOTTOM"><TD>&nbsp; </TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD></TR>
<TR VALIGN="BOTTOM"><TD><font size="2">John A. Karas</font></TD>
<TD ALIGN="CENTER"><font size="2">2005</font></TD>
<TD ALIGN="center"><font size="2">133,360</font></TD>
<TD ALIGN="center"><font size="2">&nbsp;50,567</font></TD>
<TD ALIGN="CENTER"><font size="2">--</font></TD>
<TD ALIGN="center"><font size="2">19,612</font></TD></TR>
<TR VALIGN="BOTTOM"><TD>  <font size="2">&nbsp; Senior Vice President/Trust</font></TD>
<TD ALIGN="CENTER"><font size="2">2004</font></TD>
<TD ALIGN="center"><font size="2">127,282</font></TD>
<TD ALIGN="center"><font size="2">&nbsp;34,042</font></TD>
<TD ALIGN="CENTER"><font size="2">--</font></TD>
<TD ALIGN="center"><font size="2">21,238</font></TD></TR>
<TR VALIGN="BOTTOM"><TD></TD>
<TD ALIGN="CENTER"><font size="2">2003</font></TD>
<TD ALIGN="center"><font size="2">115,922</font></TD>
<TD ALIGN="center"><font size="2">111,750&nbsp;&nbsp; </font></TD>
<TD ALIGN="CENTER"><font size="2">--</font></TD>
<TD ALIGN="center"><font size="2">17,728</font></TD></TR>
<TR VALIGN="BOTTOM"><TD>&nbsp; </TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="center"></TD>
<TD ALIGN="center"></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="center"></TD></TR>
<TR VALIGN="BOTTOM"><TD><font size="2">Ronald L. Dobyns</font></TD>
<TD ALIGN="CENTER"><font size="2">2005</font></TD>
<TD ALIGN="center"><font size="2">97,378</font></TD>
<TD ALIGN="center"><font size="2">&nbsp;&nbsp; 8,517</font></TD>
<TD ALIGN="CENTER"><font size="2">--</font></TD>
<TD ALIGN="center"><font size="2">10,918</font></TD></TR>
<TR VALIGN="BOTTOM"><TD>  <font size="2">&nbsp; Senior Vice President and</font></TD>
<TD ALIGN="CENTER"><font size="2">2004</font></TD>
<TD ALIGN="center"><font size="2">86,235</font></TD>
<TD ALIGN="center"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</font></TD>
<TD ALIGN="CENTER"><font size="2">--</font></TD>
<TD ALIGN="center"><font size="2">10,424</font></TD></TR>
<TR VALIGN="BOTTOM"><TD>  <font size="2">&nbsp; Chief Financial Officer</font></TD>
<TD ALIGN="CENTER"><font size="2">2003</font></TD>
<TD ALIGN="center"><font size="2">82,700</font></TD>
<TD ALIGN="center"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</font></TD>
<TD ALIGN="CENTER"><font size="2">--</font></TD>
<TD ALIGN="center"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</font></TD></TR>
<TR VALIGN="BOTTOM"><TD>&nbsp; </TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="center"></TD>
<TD ALIGN="center"></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="center"></TD></TR>
<TR VALIGN="BOTTOM"><TD><font size="2">James D. Baldovin</font></TD>
<TD ALIGN="CENTER"><font size="2">2005</font></TD>
<TD ALIGN="center"><font size="2">105,149</font></TD>
<TD ALIGN="center"><font size="2">35,175</font></TD>
<TD ALIGN="CENTER"><font size="2">--</font></TD>
<TD ALIGN="center"><font size="2">14,230</font></TD></TR>
<TR VALIGN="BOTTOM"><TD>  <font size="2">&nbsp; Senior Vice President/Retail</font></TD>
<TD ALIGN="CENTER"><font size="2">2004</font></TD>
<TD ALIGN="center"><font size="2">&nbsp; 86,708</font></TD>
<TD ALIGN="center"><font size="2">&nbsp; 5,000</font></TD>
<TD ALIGN="CENTER"><font size="2">--</font></TD>
<TD ALIGN="center"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp; 926</font></TD></TR>
<TR VALIGN="BOTTOM"><TD>  <font size="2">&nbsp; Banking</font></TD>
<TD ALIGN="CENTER"><font size="2">2003</font></TD>
<TD ALIGN="center"><font size="2">&nbsp; 21,961</font></TD>
<TD ALIGN="center"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</font></TD>
<TD ALIGN="CENTER"><font size="2">--</font></TD>
<TD ALIGN="center"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</font></TD></TR></TABLE>

<HR ALIGN="LEFT" WIDTH="11%" color="#000000">


<TABLE BORDER="0" WIDTH="671" cellspacing="0" cellpadding="0" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="TOP"><TD width="27"><font size="2">(1)</font></TD>
<TD width="644"><font size="2">Does not include certain benefits, the aggregate amounts of which do not exceed 10% of total annual salary and
bonus.</font></TD></TR>
<TR VALIGN="TOP"><TD width="27"><font size="2">(2)</font></TD>
<TD width="644"><font size="2">Amounts for 2005 include: for Mr. Sheaffer, ESOP contribution of $18,249 and employer 401(k) matching
contribution of $4,579, car lease $3,967; for Mr. Wysaske, ESOP contribution of $17,680 and employer 401(k)
matching contribution of $4,421; for Mr. Dahlstrom, ESOP contribution of $13,941and employer 401(k) matching
contribution of $3,322;  for Mr. Karas, ESOP contribution of $16,030 and employer 401(k) matching contribution
of $3,582; for Mr. Dobyns, ESOP contribution of $8,576 and employer 401(k) matching contribution of $2,342;
for Mr. Baldovin, ESOP contribution of $11,418 and employer 401(k) matching contribution of $2,812.</font></TD></TR></TABLE>

<p align="justify">

<font size="2">

<BR WP="BR2">
</font>
<STRONG><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Option Grants.</font></STRONG><font size="2">  There were no stock options granted to any of the Named Executive Officers during the fiscal
year ended March 31, 2005.</font></p>
<p align="justify">&nbsp;</p>
<p align="center"><font size="2">8</font></p>
<p align="left"><font size="2">&lt;PAGE&gt;</font></p>
<p align="justify">

<font size="2">

<BR WP="BR1">
</font>
<STRONG><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Option Exercise/Value Table.</font></STRONG><font size="2">  The following information with respect to options exercised during the fiscal
year ended March 31, 2005, and remaining unexercised options at the end of the fiscal year, is presented for the Named
Executive Officers.</font></p>
<TABLE BORDER="0" WIDTH="100%" cellspacing="1" cellpadding="0" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="BOTTOM"><TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD COLSPAN="2" ALIGN="CENTER" rowspan="3"><FONT SIZE="-1"><EM>Number of Securities<BR>
</EM></FONT></EM></FONT>
<FONT SIZE="-1"><EM>Underlying Unexercised</EM></FONT><BR>
<FONT SIZE="-1"><EM> Options at Fiscal Year End</EM></FONT><font size="2">
</font>
<FONT SIZE="-1"><EM><HR color="#000000" width="97%">
  </TD>
<TD COLSPAN="2" ALIGN="CENTER" rowspan="3"><FONT SIZE="-1"><EM>Value of Unexercised<BR>
</EM></FONT><FONT SIZE="-1"><EM>In-the-Money Options</EM></FONT><BR>
</EM></FONT><FONT SIZE="-1"><EM>at Fiscal Year End ($)(1)</EM></FONT>
<HR color="#000000" width="97%">
  </TD></TR>
<TR VALIGN="BOTTOM"><TD ALIGN="CENTER">&nbsp;</TD>
<TD ALIGN="CENTER" rowspan="3"></EM></FONT><FONT SIZE="-1"><EM>Shares<BR>
</EM></FONT></EM></FONT>
<FONT SIZE="-1"><EM>Acquired on</EM></FONT><BR>
<FONT SIZE="-1"><EM>Exercise (#)</EM></FONT><font size="2">
</font>
<HR color="#000000" width="97%">
  </TD>
<TD ALIGN="CENTER">&nbsp;</TD>
</TR>
<TR VALIGN="BOTTOM"><TD ALIGN="CENTER">&nbsp;</TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"><EM>Value</EM></FONT></TD>
</TR>
<TR VALIGN="BOTTOM"><TD ALIGN="CENTER">
  <p align="left"><FONT SIZE="-1"><EM>Name </EM></FONT>
  <HR color="#000000" width="97%">
</TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"><EM>Realized ($)</EM></FONT><font size="2">
</font>
<HR color="#000000" width="97%">
</TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"><EM>Exercisable</EM></FONT><font size="2">
</font>
<HR color="#000000" width="97%">
</TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"><EM>Unexercisable</EM></FONT><font size="2">
</font>
<HR color="#000000" width="97%">
</TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"><EM>Exercisable</EM></FONT><font size="2">
</font>
<HR color="#000000" width="97%">
</TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"><EM>Unexercisable</EM></FONT><font size="2">
</font>
<HR color="#000000" width="97%">
</TD></TR>
<TR VALIGN="BOTTOM"><TD>&nbsp; </TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="CENTER"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD>
<TD ALIGN="RIGHT"></TD></TR>
<TR VALIGN="BOTTOM"><TD><FONT SIZE="-1">Patrick Sheaffer</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">--</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">$&nbsp;&nbsp;&nbsp;&nbsp;   --&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;    </FONT></TD>
<TD ALIGN="center"><FONT SIZE="-1">41,227     </FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">--</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">$309,203</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">$&nbsp;&nbsp;&nbsp;   --&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;     </FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD><FONT SIZE="-1">Ronald A. Wysaske</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">--</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">--</FONT></TD>
<TD ALIGN="center"><FONT SIZE="-1">29,671     </FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">--</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">  &nbsp;  222,533</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">--</FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD><FONT SIZE="-1">David Dahlstrom</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">--</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">--</FONT></TD>
<TD ALIGN="center"><FONT SIZE="-1">&nbsp;8,000     </FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">2,000</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">   &nbsp;&nbsp;&nbsp;   61,920</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">15,480</FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD><FONT SIZE="-1">John A. Karas</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">7,500</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">67,058</FONT></TD>
<TD ALIGN="center"><FONT SIZE="-1">12,500     </FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">--</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"> &nbsp; 111,250</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">--</FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD><FONT SIZE="-1">Ronald L. Dobyns</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">3,000</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">21,752</FONT></TD>
<TD ALIGN="center"><FONT SIZE="-1">&nbsp;2,000     </FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">--</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">   &nbsp;&nbsp;&nbsp;   15,000</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">--</FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD><FONT SIZE="-1">James D. Baldovin</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">--</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">--</FONT></TD>
<TD ALIGN="center"><FONT SIZE="-1">&nbsp;3,000     </FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">2,000</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">   &nbsp;&nbsp;&nbsp;   18,840</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">12,560</FONT></TD></TR></TABLE>

<HR ALIGN="LEFT" WIDTH="11%">


<TABLE BORDER="0" WIDTH="671" cellspacing="0" cellpadding="0" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="TOP"><TD width="28"><FONT SIZE="-1">(1)</FONT></TD>
<TD width="643"><FONT SIZE="-1">Value of unexercised in-the-money options equals market value of shares covered by in-the-money options on
March&nbsp;31, 2005, less the option exercise price.  Options are in-the-money if the market value of the shares covered
by the options is greater than the option exercise price.</FONT></TD></TR></TABLE>

<p align="justify"><FONT SIZE="-1">	<STRONG>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Employment Agreements.</STRONG>  The Company and the Bank (collectively, the "Employers") have entered into three-year employment agreements ("Employment Agreements") with Messrs. Sheaffer and Wysaske (individually, the
"Executive").</FONT></p>
<p align="justify"><FONT SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	Under the Employment Agreements, the current salary levels for Messrs. Sheaffer and Wysaske are $192,319 and
$161,519, respectively, which amounts are paid by the Bank and may be increased at the discretion of the Board of
Directors of the Bank or an authorized committee of the Board.  On each anniversary of the commencement date of the
Employment Agreements, the term of each agreement may be extended for an additional year at the discretion of the Board.
The agreement is terminable by the Employers at any time, by the Executive if the Executive is assigned duties inconsistent
with his initial position, duties, responsibilities and status, or upon the occurrence of certain events specified by federal
regulations.  In the event that an Executive's employment is terminated without cause or upon the Executive's voluntary
termination following the occurrence of an event described in the preceding sentence, the Bank would be required to honor
the terms of the agreement through the expiration of the current term, including payment of current cash compensation and
continuation of employee benefits.</FONT></p>
<P><FONT SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The Employment Agreements also provide for severance payments and other benefits in the event of involuntary
termination of employment in connection with any change in control of the Employers.  Severance payments also will be
provided on a similar basis in connection with a voluntary termination of employment where, subsequent to a change in
control, an Executive is assigned duties inconsistent with his position, duties, responsibilities and status immediately prior
to such change in control.  The term "change in control" is defined in the agreement as having occurred when, among other
things, (a) a person other than the Company purchases shares of Common Stock pursuant to a tender or exchange offer
for such shares, (b) any person (as such term is used in Sections 13(d) and 14(d)(2) of the Exchange Act) is or becomes
the beneficial owner, directly or indirectly, of securities of the Company representing 25% or more of the combined voting
power of the Company's then outstanding securities, (c) the membership of the Board of Directors changes as the result
of a contested election, or (d) stockholders of the Company approve a merger, consolidation, sale or disposition of all or
substantially all of the Company's assets, or a plan of partial or complete liquidation.</FONT></P>

<P><FONT SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The maximum value of the severance benefits under the Employment Agreements is 2.99 times the Executive's
average annual compensation during the five-year period preceding the effective date of the change in control (the "base
amount").  The Employment Agreements provide that the value of the maximum benefit may be distributed, at the
Executive's election, (i) in the form of a lump sum cash payment equal to 2.99 times the Executive's base amount or (ii)
a combination of a cash payment and continued coverage under the Employers' health, life and disability programs for a
36-month period following the change in control, the total value of which does not exceed 2.99 times the Executive's base
amount.  Assuming that a change in control had occurred at March 31, 2005 and that each Executive elected to receive a

</FONT></P>

<P align="center"><font size="2">9</font></P>

<P align="left"><font size="2">&lt;PAGE&gt;</font></P>

<P><FONT SIZE="-1">	lump sum cash payment, Messrs. Sheaffer and Wysaske would be entitled to payments of approximately $692,000 and
$522,000, respectively.  Section 280G of the Internal Revenue Code of 1986, as amended, provides that severance
payments that equal or exceed three times the individual's base amount are deemed to be "excess parachute payments" if
they are contingent upon a change in control.  Individuals receiving excess parachute payments are subject to a 20% excise
tax on the amount of such excess payments, and the Employers would not be entitled to deduct the amount of such excess
payments.</FONT></P>

<P><FONT SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The Employment Agreements restrict each Executive's right to compete against the Employers for a period of
one year from the date of termination of the agreement if an Executive voluntarily terminates employment, except in the
event of a change in control.</FONT></P>

<FONT SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	<STRONG>Severance Agreements.</STRONG>  The Employers have entered into three-year severance agreements with Messrs.
Dahlstrom, Karas, Dobyns and Baldovin.  The severance agreements provide for severance payments and continuation of
other employee benefits in the event of involuntary termination of employment in connection with any change in control
of the Employers in the same manner as provided for in the Employment Agreements.  Severance payments and benefits
are also provided on a similar basis in connection with a voluntary termination of employment where, subsequent to a
change in control, an officer is assigned duties inconsistent with his position, duties, responsibilities and status immediately
prior to such change in control.</FONT><P><FONT SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The term "change in control" is defined in the agreements as having occurred when, among other things, (a) a
person other than the Company purchases shares of Common Stock pursuant to a tender or exchange offer for such shares,
(b) any person (as such term is used in Sections 13(d) and 14(d)(2) of the Exchange Act) is or becomes the beneficial
owner, directly or indirectly, of securities of the Company representing 25% or more of the combined voting power of the
Company's then outstanding securities, (c) the membership of the Board of Directors changes as the result of a contested
election, or (d) stockholders of the Company approve a merger, consolidation, sale or disposition of all or substantially all
of the Company's assets, or a plan of partial or complete liquidation.</FONT></P>

<P><FONT SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	Assuming that a change in control had occurred at March 31, 2005, and excluding any other benefits due under
the severance agreements, the aggregate value of the severance benefits payable to Messrs. Dahlstrom, Karas, Dobyns and
Baldovin would have been approximately $440,000, $588,000, $286,000 and $370,000, respectively.</FONT></P>

<FONT SIZE="-1"><HR color="#000000">


<CENTER><STRONG>AUDIT COMMITTEE MATTERS</STRONG></FONT></CENTER>
<FONT SIZE="-1"><STRONG><HR color="#000000">
</P>

</STRONG></FONT>
<p><FONT SIZE="-1"><STRONG>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Audit Committee Charter.  </STRONG>The Audit Committee operates pursuant to a Charter approved by the Company's
Board of Directors.  In April 2004, the Board of Directors adopted a revised Audit Committee Charter to reflect the new
responsibilities imposed by the Sarbanes-Oxley Act of 2002, a copy of which was attached to last year's annual meeting
proxy statement.  The Charter sets out the responsibilities, authority and specific duties of the Audit Committee.  The
Charter specifies, among other things, the structure and membership requirements of the Audit Committee, as well as the
relationship of the Audit Committee to the independent auditors, the internal audit department, and management of the
Company.  The Audit Committee reports to the Board of Directors and is responsible for overseeing and monitoring
financial accounting and reporting, the system of internal controls established by management and the audit process of the
Company.  </FONT>

<font size="2">

<BR WP="BR1"><BR WP="BR2">
</font>
<FONT SIZE="-1">	<STRONG>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Report of the Audit Committee.</STRONG>  The Audit Committee reports as follows with respect to the Company's audited
financial statement for the year ended March 31, 2005:</FONT></p>
  <p align="justify"><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  *&nbsp;&nbsp;&nbsp; The Audit Committee has completed its review and
  discussion of the Company's 2005 audited financial statements<br>
   &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
   with management;</FONT><p align="justify"><FONT SIZE="-1">
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
*&nbsp;&nbsp; The Audit Committee has discussed with the independent auditors, McGladrey &amp; Pullen, LLP, the
matters required to<br>
 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; be discussed by Statement on Auditing Standards ("SAS") No. 61, <EM>Communication
with Audit Committees</EM>, as<br>
 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; amended by SAS No. 90, <EM>Audit Committee Communications</EM>, including
matters related to the conduct of the audit of<br>
 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
 the Company's financial statements;</FONT><p align="center"><font size="-1">10</font></p>
<p align="left"><font size="-1">&lt;PAGE&gt;</font></p>
  <p align="justify"><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *&nbsp;&nbsp;&nbsp;The Audit Committee has received written disclosures, as required by Independence Standards Board
Standard No. 1,<EM><br>
 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Independence Discussions with Audit Committee</EM>, indicating all relationships, if any,
between the independent auditor<br>
 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; and its related entities and the Company and its related entities which,
in the auditors' professional judgment,<br>
 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; reasonably may be thought to bear on the auditors' independence,
and the letter from the independent auditors<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; confirming that, in
  its professional judgment, it is independent from the Company and its related entities, and has<br>
   &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
   discussed with the
 auditors the auditors'
independence from the Company; and </FONT><font size="2"></LI>

  </font>
  <p align="justify"><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *&nbsp;&nbsp;&nbsp;The Audit Committee has, based on its review and discussions with management of the Company's
2005 audited<br>
 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; financial statements and discussions with the independent auditors, recommended to the
Board of Directors that the<br>
 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Company's audited financial statements for the year ended March 31, 2005
be included in the Company's Annual<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Report on Form 10-K<EM>.</EM></FONT><P align="justify"><FONT SIZE="-1">					&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;					Audit Committee:		</FONT><BR>
<FONT SIZE="-1">					&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;					Gary R. Douglass<EM>, </EM>Chairman</FONT><BR>
<FONT SIZE="-1">					&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;					Edward R. Geiger</FONT><BR>
<FONT SIZE="-1">					&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;					Michael D. Allen</FONT></P>

<FONT SIZE="-1"><HR color="#000000">
<CENTER><STRONG>COMPENSATION COMMITTEE MATTERS</STRONG></FONT></CENTER>
<FONT SIZE="-1"><STRONG><HR color="#000000">
</P>

</STRONG></FONT>
<p align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<i> Notwithstanding anything to the contrary set forth in any of the Company's previous filings under the Securities
Act of 1933, as amended, or the Exchange Act that might incorporate future filings, including this Proxy Statement, in
whole or in part, the following Report of the Compensation Committee and Performance Graph shall not be incorporated
by reference into any such filings. </i>

<BR WP="BR1"><BR WP="BR2">
</font>
<FONT SIZE="-1">	<STRONG>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Report of the Compensation Committee.</STRONG>  Under rules established by the SEC, the Company is required to
provide certain data and information in regard to the compensation and benefits provided to the Company's Chief Executive
Officer and other executive officers.  The disclosure requirements for the Chief Executive Officer and other executive
officers include the use of tables and a report explaining the rationale and considerations that led to the fundamental
executive compensation decisions affecting those individuals.  The Personnel/Compensation Committee of the Bank also
serves as the Company's Compensation Committee, as the Company has no employees.  The Compensation Committee
is responsible for establishing and monitoring compensation policies of the Company and the Bank, and for evaluating
performance and setting salaries. </FONT></p>
<P align="justify"><FONT SIZE="-1">	<EM>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; General</EM>.  The Compensation Committee's duties are to recommend and administer policies that govern executive
compensation.  The Committee evaluates individual executive performance, compensation policies and salaries. The
Committee is responsible for evaluating the performance of the Chief Executive Officer of the Company and the Bank
while the Chief Executive Officer of the Company and the Bank evaluates the performance of other senior officers of the
Bank and makes recommendations to the Committee regarding compensation levels.</FONT></P>

<P align="justify"><FONT SIZE="-1">	<EM>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Compensation Policies</EM>.
The executive compensation policies of the Bank are designed to establish an
appropriate relationship between executive pay and the Company's and Bank's
annual performance, to reflect the attainment of short- and long-term financial
performance goals and to enhance the ability of the Company and the Bank to
attract and retain qualified executive officers. The principles underlying the
executive compensation policies include the following</FONT></P>

  <p align="justify"><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  *&nbsp;&nbsp;&nbsp;&nbsp;To attract and retain key executives who
  are vital to the long-term success of the Company and the Bank<br>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&nbsp;&nbsp; and are of the highest caliber;</FONT><font size="2"></LI>  </font>

  <p align="justify"><font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  *&nbsp;&nbsp;&nbsp; </font><FONT SIZE="-1">To provide levels of compensation
  competitive with those offered throughout the financial industry and <br>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&nbsp;&nbsp;&nbsp; consistent with the Company's and the Bank's level of performance;</FONT><font size="2"></LI>  </font>

  <p align="justify"><FONT SIZE="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  *&nbsp;&nbsp;&nbsp; To motivate executives to enhance long-term
  stockholder value by building their equity interest in the<BR>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&nbsp;&nbsp;&nbsp; Company; and</FONT><p align="center"><font size="-1">11</font></p>
<p align="left"><font size="-1">&lt;PAGE&gt;</font></p>
<font size="-1">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *&nbsp;&nbsp; To integrate the compensation program with the Company's
  and the Bank's annual and long-term<BR>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&nbsp;&nbsp;strategic planning and performance measurement processes.
</font>

<P align="justify"><FONT SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The Committee considers a variety of subjective and objective factors in determining the compensation package
for individual executives, including: (1) the performance of the Company and the Bank as a whole with emphasis on annual
performance factors and long-term objectives; (2) the responsibilities assigned to each executive; and (3) the performance
of each executive of assigned responsibilities as measured by the progress of the Company and the Bank during the year.</FONT></P>

<P align="justify"><FONT SIZE="-1">	<EM>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Base Salary</EM>.  The Bank's current compensation plan involves a combination of salary, salary-at-risk cash bonuses
to reward short-term performance, and deferred compensation.  The salary levels of executive officers are designed to be
competitive within the banking and financial services industries.  In setting competitive salary levels, the Compensation
Committee continually evaluates current salary levels by surveying similar institutions in Washington State, the Pacific
Northwest and the United States.  The Compensation Committee's peer group analysis focuses on asset size, nature of
ownership, type of operation and other common factors.  Specifically, the Compensation Committee annually reviews the
Washington State Financial Industry Survey and Portland Cross Area Industry Survey prepared by Milliman Consultants
and Actuaries covering 110 Washington financial organizations, and the America's Community Banker's Survey of
Salaries which covers over 300 financial institutions nationwide.</FONT></P>

<P align="justify"><FONT SIZE="-1">	<EM>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Salary-at-Risk Bonus Program</EM>.  A short-term incentive salary-at-risk bonus plan is in effect for the senior officers
of the Bank which is designed to compensate for performance.  The plan is designed to provide for bonuses of up to 50%
of salary for the Chief Executive Officer, 45% of salary for the Chief Operating Officer, 35% to 40% of salary for the
Executive Vice Presidents, and up to 35% of salary for the Senior Vice Presidents, Vice Presidents, and certain other
officers.  In limited circumstances, salary-at-risk bonuses may be payable at higher levels based on exceptional performance
in excess of established targets. The salary-at-risk performance bonus is based primarily on quantifiable data such as return
on equity, deposit totals, loan production, and levels of operating expenses compared to revenues.  Subjective evaluation
of performance is limited.</FONT></P>

<P align="justify"><FONT SIZE="-1">	<EM>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Deferred Compensation</EM>.  Executive officers at the level of senior vice president and above may elect to defer up
to 10% of salary and bonus until retirement, with no income tax payable by the executive officers until retirement benefits
are received.  This alternative is available through a non-qualified deferred compensation plan adopted by the Bank in
December 1986, and subsequently amended.</FONT></P>

<P align="justify"><FONT SIZE="-1">	<EM>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Long Term Incentive Compensation</EM>.  In connection with the Company's reorganization into the holding company
structure, the Company adopted the 1998 Stock Option Plan and the 1998 Management Development and Recognition Plan
for executive officers, employees, and non-employee directors of the Company.  These plans were approved by the
stockholders of the Company in 1998.  The Company also adopted the 2003 Stock Option Plan, which was approved by
stockholders at the 2003 annual meeting of stockholders.  Under the plans, non-employee directors, executive officers and
other employees may receive grants and awards.  The Company believes that stock ownership by the Company's and the
Bank's executives is a significant factor in aligning the interests of the executives with those of stockholders.  Stock options
and awards under such plans were allocated based upon regulatory practices and policies, and the practices of other publicly
traded financial institutions as verified by external surveys and were based upon the executive officers' level of
responsibility and contributions to the Company and the Bank.</FONT></P>

<P align="justify"><FONT SIZE="-1">	<EM>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Compensation of the Chief Executive Officer</EM>.  During the fiscal year ended March 31, 2005, the base salary of
Mr. Sheaffer was $192,319.  In addition, he received a salary-at-risk performance bonus of $78,854 and was credited with
$26,795 in other compensation (comprised of ESOP contribution of $18,249, employer 401(k) contribution of $4,579 and
car lease of $3,967) as set forth in the preceding Summary Compensation Table.  This resulted in total compensation of
$297,968, which represents an 17.8% increase from the previous year.  Mr. Sheaffer's salary-at-risk performance bonus
reflected the attainment of the specific performance criteria consisting of profitability, efficiency, revenues generated from
non-interest income sources and an aggregate performance index for all senior executives<STRONG> </STRONG>for the fiscal year established
by </FONT></P>

<P align="center"><font size="2">12</font></P>

<P align="left"><font size="2">&lt;PAGE&gt;</font></P>

<P align="justify"><FONT SIZE="-1">the Board in the Company's salary-at-risk performance bonus plan.  The Committee believes that Mr. Sheaffer's
compensation is appropriate based on the Company's overall compensation policy, on the basis of the Committee's
consideration of peer group data, and the financial performance of the Company during the fiscal year.  Mr. Sheaffer did
not participate in the Committee's consideration of his compensation level for the fiscal year.</FONT></P>

<P><FONT SIZE="-1">					&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;					Compensation Committee of the Board of Directors:</FONT><BR>
<FONT SIZE="-1">					&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;					Paul L. Runyan, Chairman</FONT><BR>
<FONT SIZE="-1">					&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;					Gary R. Douglass</FONT><BR>
<FONT SIZE="-1">					&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;					Michael D. Allen</FONT></P>

<P align="justify"><FONT SIZE="-1"><STRONG>	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	Compensation Committee Interlocks and Insider Participation.  </STRONG>No members of the Compensation Committee were officers or employees of the Company or any of its subsidiaries during the year ended March 31, 2005, were formerly Company officers or had any relationships otherwise requiring disclosure.  </FONT></P>

<p align="justify"><FONT SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	<STRONG>Performance Graph.</STRONG>  The following graph compares the cumulative total stockholder return on the Company's
Common Stock with the cumulative total return on the S&amp;P 500 (U.S. Stock) Index and the Nasdaq Bank Index.  Total return assumes the reinvestment of all dividends and that the value of the Company's Common Stock and each index was $100 on March 31, 2000.</FONT></p>

<P align=center><img src="proxy05.jpg" width="635" height="475" ></P>

<TABLE BORDER="0" WIDTH="100%" cellspacing="1" cellpadding="0" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="TOP"><TD></TD>
<TD COLSPAN="6" ALIGN="CENTER"><FONT SIZE="-1"><STRONG>Period Ending</STRONG></FONT><font size="2">
</font>

<FONT SIZE="-1"><STRONG><HR color="#000000">
</TD></TR>
<TR VALIGN="TOP"><TD></STRONG></FONT><FONT SIZE="-1"><STRONG>Index</STRONG></FONT><HR color="#000000" width="97%" align="left">
</TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"><STRONG>3/31/00</STRONG></FONT><font size="2">
</font>
<HR color="#000000" width="97%">
</TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"><STRONG>3/31/01</STRONG></FONT><font size="2">
</font>
<HR color="#000000" width="97%">
</TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"><STRONG>3/31/02</STRONG></FONT><font size="2">
</font>
<HR color="#000000" width="97%">
</TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"><STRONG>3/31/03</STRONG></FONT><font size="2">
</font>
<HR color="#000000" width="97%">
</TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"><STRONG>3/31/04</STRONG></FONT><font size="2">
</font>
<HR color="#000000" width="97%">
</TD>
<TD ALIGN="CENTER"><FONT SIZE="-1"><STRONG>3/31/05</STRONG></FONT><font size="2">
</font>
<HR color="#000000" width="97%">
</TD></TR>
<TR VALIGN="TOP"><TD><FONT SIZE="-1">Riverview Bancorp, Inc.</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">$100.00</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">121.08</FONT></TD>
<TD ALIGN="RIGHT"><FONT SIZE="-1">190.35   </FONT></TD>
<TD ALIGN="RIGHT"><FONT SIZE="-1">238.57   </FONT></TD>
<TD ALIGN="RIGHT"><FONT SIZE="-1">292.07   </FONT></TD>
<TD ALIGN="RIGHT"><FONT SIZE="-1">316.35   </FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT SIZE="-1">S&amp;P 500</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">  100.00</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">  78.35</FONT></TD>
<TD ALIGN="RIGHT"><FONT SIZE="-1">78.66   </FONT></TD>
<TD ALIGN="RIGHT"><FONT SIZE="-1">59.18   </FONT></TD>
<TD ALIGN="RIGHT"><FONT SIZE="-1">80.09   </FONT></TD>
<TD ALIGN="RIGHT"><FONT SIZE="-1">85.48   </FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT SIZE="-1">Nasdaq Bank Index</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">  100.00</FONT></TD>
<TD ALIGN="RIGHT"><FONT SIZE="-1">121.18    </FONT></TD>
<TD ALIGN="RIGHT"><FONT SIZE="-1">149.50   </FONT></TD>
<TD ALIGN="RIGHT"><FONT SIZE="-1">135.37   </FONT></TD>
<TD ALIGN="RIGHT"><FONT SIZE="-1">183.49   </FONT></TD>
<TD ALIGN="RIGHT"><FONT SIZE="-1">190.55   </FONT></TD></TR></TABLE>

<p align="left">

<font size="2"><i>*Source: CRSP, Center for Research in Security Prices, Graduate School of Business, The University of Chicago 2005.
Used with permission.  All rights reserved.  crsp.com </i>

<BR WP="BR1"><BR WP="BR2">
</font>
</p>
<p align="center"><font size="2">13</font></p>
<p align="left"><font size="2">&lt;PAGE&gt;</font></p>
<FONT SIZE="-1"><STRONG><HR color="#000000">
<CENTER>SECTION 16(a) BENEFICIAL OWNERSHIP REPORTING COMPLIANCE</STRONG></FONT></CENTER>
<FONT SIZE="-1"><HR color="#000000">
</P>

</FONT>
<p align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Section 16(a) of the Exchange Act requires the Company's executive officers and directors, and persons who own
more than 10% of any registered class of the Company's equity securities, to file reports of ownership and changes in
ownership with the SEC.  Executive officers, directors and greater than 10% stockholders are required by regulation to
furnish the Company with copies of all Section 16(a) forms they file.

<BR WP="BR1"><BR WP="BR2">
</font>
<FONT SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	Based solely on its review of the copies of such forms it has received and written representations provided to the
Company by the above referenced persons, the Company believes that during the fiscal year ended March 31, 2005 all
filing requirements applicable to its reporting officers, directors and greater than 10% stockholders were properly and
timely complied with.</FONT></p>
<FONT SIZE="-1"><HR color="#000000">
<CENTER><STRONG>TRANSACTIONS WITH MANAGEMENT</STRONG></FONT></CENTER>
<FONT SIZE="-1"><HR color="#000000">
	</FONT></P>

<p align="justify">

<font size="2">

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font>
<FONT SIZE="-1">	Federal regulations require that all loans or extensions of credit to executive officers and directors must be made
on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable
transactions with other persons (unless the loan or extension of credit is made under a benefit program generally available
to all other employees and does not give preference to any insider over any other employee) and does not involve more than
the normal risk of repayment or present other unfavorable features.  The Bank is therefore prohibited from making any new
loans or extensions of credit to the Bank's executive officers and directors at different rates or terms than those offered to
the general public and has adopted a policy to this effect.  The aggregate amount of loans by the Bank to its executive
officers and directors was approximately $408,000 at March 31, 2005.  These loans (i) were made in the ordinary course
of business, (ii) were made on substantially the same terms and conditions, including interest rates and collateral, as those
prevailing at the time for comparable transactions with the Bank's other customers, and (iii) did not involve more than the
normal risk of collectibility or present other unfavorable features when made.<BR>
</p>
<P><HR color="#000000">
<CENTER><STRONG>INDEPENDENT AUDITORS</STRONG></FONT></CENTER><FONT SIZE="-1">
<HR color="#000000">
</P>

</FONT>
<p align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; McGladrey &amp; Pullen, LLP served as the Company's independent auditors for the fiscal year ended March 31,
2005.  The Audit Committee of the Board of Directors has not made a decision as to its independent auditors for the fiscal
year ending March 31, 2006.  A representative of McGladrey &amp; Pullen, LLP will be present at the Meeting to respond to
stockholders' questions and will have the opportunity to make a statement if he or she so desires.

<BR WP="BR1"><BR WP="BR2">
</font>
<FONT SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The following table sets forth the aggregate fees billed to the Company by McGladrey &amp; Pullen, LLP and RSM
McGladrey Inc. (affiliate of McGladrey &amp; Pullen, LLP) (collectively, "McGladrey") for professional services rendered
for the fiscal years ended March 31, 2005 and 2004.</FONT></p>
<TABLE WIDTH="100%" cellspacing="1" cellpadding="0" border="0" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="TOP"><TD></TD>
<TD COLSPAN="2" ALIGN="CENTER"><FONT SIZE="-1">March 31,</FONT><font size="2">
</font>

<FONT SIZE="-1"><HR color="#000000" width="98%">
</TD></TR>
<TR VALIGN="TOP"><TD></TD>
<TD ALIGN="CENTER"></FONT><FONT SIZE="-1">2005</FONT><HR color="#000000" width="98%">
</TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">2004</FONT><font size="2"> </font>
<HR color="#000000" width="98%">
</TD></TR>
<TR VALIGN="TOP"><TD><FONT SIZE="-1">Audit Fees	</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">$180,399</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">$118,765 </FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT SIZE="-1">Audit-Related Fees	</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">    &nbsp;&nbsp;    14,011</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">   &nbsp;&nbsp;&nbsp;   26,045</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT SIZE="-1">Tax Fees	</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">      &nbsp;&nbsp;&nbsp;&nbsp;      6,981</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">   &nbsp;&nbsp;&nbsp;   18,267</FONT></TD></TR>
<TR VALIGN="TOP"><TD><FONT SIZE="-1">All Other Fees	</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">    &nbsp;&nbsp;    21,819</FONT></TD>
<TD ALIGN="CENTER"><FONT SIZE="-1">          &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;          50</FONT></TD></TR></TABLE>

	<p align="justify">

	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Audit Committee will establish general guidelines for the permissible scope and nature of any permitted non-audit services to be provided by the independent auditors in connection with its annual review of its Charter.  Pre-approval
may be granted by action of the full Audit Committee or by delegated authority to one or more members of the Audit
Committee.  If this authority is delegated, all approved non-audit services will be presented to the Audit Committee at its
next meeting.  In considering non-audit services, the Audit Committee or its delegate will consider various factors,
including but not limited to, whether it would be beneficial to have the service provided by the independent auditors and
whether the service could compromise the independence of the independent auditors.

<BR WP="BR1">&nbsp;</font></p>
<p align="center"><font size="2">14</font></p>
<p align="left"><font size="2">&lt;PAGE&gt;</font></p>
<FONT SIZE="-1"><HR color="#000000">


<CENTER><STRONG>OTHER MATTERS</STRONG></FONT></CENTER>
<FONT SIZE="-1"><HR color="#000000">
</P>

</FONT>
<p align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Board of Directors is not aware of any business to come before the Meeting other than those matters
described above in this Proxy Statement.  However, if any other matters should properly come before the Meeting, it is
intended that proxies in the accompanying form will be voted in respect thereof in accordance with the judgment of the
person or persons voting the proxies.
</font>
</p>
<FONT SIZE="-1"><STRONG><HR color="#000000">
<CENTER>MISCELLANEOUS</STRONG></FONT></CENTER>
<FONT SIZE="-1"><STRONG><HR color="#000000">
</P>

</STRONG></FONT>
<p align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The cost of solicitation of proxies will be borne by the Company.  In addition to solicitations by mail, directors,
officers and regular employees of the Company may solicit proxies personally or by telephone without additional
compensation.

<BR WP="BR1"><BR WP="BR2">
</font>
<FONT SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The Company's Annual Report to Stockholders, which includes the Company's Annual Report on Form 10-K
as filed with the SEC, has been mailed to stockholders as of the close of business on the Voting Record Date.  Any
stockholder who has not received a copy of such Annual Report may obtain a copy by writing to the Corporate Secretary
of the Company.  The Annual Report is not to be treated as part of the proxy solicitation material or as having been
incorporated herein by reference.</FONT></p>
<FONT SIZE="-1"><HR color="#000000">
<CENTER><STRONG>STOCKHOLDER PROPOSALS AND NOMINATIONS</STRONG></FONT></CENTER>
<FONT SIZE="-1"><HR color="#000000"></P>

</FONT>
<p align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; In order to be eligible for inclusion in the Company's proxy solicitation materials for next year's Annual Meeting
of Stockholders, any stockholder proposal to take action at such meeting must be received at the Company's main office
at 900 Washington Street, Suite 900, Vancouver, Washington 98660, no later than February 24, 2006.  Any such proposals
shall be subject to the requirements of the proxy solicitation rules adopted under the Exchange Act.
</font>
</p>
<P align="justify"><FONT SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The Company's Articles of Incorporation provide that if a stockholder intends to nominate a candidate for election
as a director or submit a stockholder proposal, the stockholder must deliver written notice of his or her intention to the
Corporate Secretary of the Company not less than 30 nor more than 60 days prior to the date of a meeting of stockholders;
provided, however, that if less than 31 days' notice of the date of the meeting is given or made to stockholders, such written
notice must be delivered to the Corporate Secretary of the Company not later than the close of the tenth day following the
day on which notice of the meeting was mailed to stockholders.  The notice must set forth certain information specified
in the Company's Articles of Incorporation.</FONT></P>

<P><FONT SIZE="-1">					&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;BY ORDER OF THE BOARD OF DIRECTORS</FONT><font size="2"><BR WP="BR1"><BR WP="BR2">
&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;
/s/Phyllis Kreibich</font></P>

<P><FONT SIZE="-1">					&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;					PHYLLIS KREIBICH</FONT><BR>
<FONT SIZE="-1">					&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;					CORPORATE SECRETARY</FONT><P><FONT SIZE="-1">Vancouver, Washington</FONT><BR>
<FONT SIZE="-1">June 23, 2005</FONT></P>

<P>&nbsp;</P>

<P align="center"><font size="-1">15</font></P>

<P align="left"><font size="-1">&lt;PAGE&gt;</font></P>

<P ALIGN="CENTER"><FONT SIZE="-1"><STRONG>REVOCABLE PROXY</STRONG></FONT><BR>
<CENTER><FONT SIZE="-1"><STRONG>RIVERVIEW BANCORP, INC.</STRONG></FONT><BR>

&nbsp;<FONT SIZE="-1"><STRONG><HR color="#000000">
<CENTER>ANNUAL MEETING OF STOCKHOLDERS</STRONG></FONT><BR>
<FONT SIZE="-1"><STRONG>JULY 20, 2005</STRONG></FONT>
<FONT SIZE="-1"></CENTER><HR color="#000000">
</P>


</FONT>
<p align="justify">	<font size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The undersigned hereby appoints the official Proxy Committee of the Board of Directors of Riverview Bancorp,
Inc. with full powers of substitution, as attorneys and proxies for the undersigned, to vote all shares of common stock of
Riverview Bancorp, Inc. ("Company") which the undersigned is entitled to vote at the Annual Meeting of Stockholders,
to be held at the Water Resources Education Center, Bruce E. Hagensen Community Room, 4600 S.E. Columbia Way,
Vancouver, Washington, on Wednesday, July 20, 2005, at 10:00 a.m., local time, and at any and all adjournments or
postponements thereof, as indicated.
</font>
</p>
<CENTER>
<TABLE BORDER="0" WIDTH="671" cellspacing="1" cellpadding="0" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="BOTTOM"><TD width="32"></TD>
<TD width="384"></TD>
<TD ALIGN="CENTER" width="96"></TD>
<TD ALIGN="CENTER" width="154"><FONT SIZE="-1">VOTE</FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD width="32">&nbsp;</TD>
<TD width="384">&nbsp; </TD>
<TD ALIGN="CENTER" width="96"></FONT><FONT SIZE="-1">FOR</FONT><font size="2"> </font>

<FONT SIZE="-1"><HR color="#000000" width="96%">
</TD>
<TD ALIGN="CENTER" width="154"></FONT><FONT SIZE="-1">WITHHELD</FONT></P>
<HR color="#000000" width="96%">
</TD></TR>
<TR VALIGN="BOTTOM"><TD width="32"></TD>
<TD width="384">&nbsp; </TD>
<TD width="96"></TD>
<TD width="154"></TD></TR>
<TR VALIGN="BOTTOM"><TD width="32"><FONT SIZE="-1">1.</FONT></TD>
<TD width="384"><FONT SIZE="-1">The election as directors of the nominees listed below,</FONT></TD>
<TD ALIGN="CENTER" width="96"><FONT SIZE="-1">[&nbsp;&nbsp;   ]</FONT></TD>
<TD ALIGN="CENTER" width="154"><FONT SIZE="-1">[&nbsp;&nbsp; ]</FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD width="32">&nbsp;</TD>
<TD width="384"></FONT><FONT SIZE="-1">each for a three-year term (except as marked to the </FONT></TD>
<TD width="96">&nbsp;</TD>
<TD width="154"></TD></TR>
<TR VALIGN="BOTTOM"><TD width="32"></TD>
<TD width="384"></FONT><FONT SIZE="-1">contrary below).</FONT></TD>
<TD width="96">&nbsp;</TD>
<TD width="154"></TD></TR>
<TR VALIGN="BOTTOM"><TD width="32"></TD>
<TD width="384">&nbsp; </TD>
<TD width="96"></TD>
<TD width="154"></TD></TR>
<TR VALIGN="BOTTOM"><TD width="32"></TD>
<TD width="384"></FONT><FONT SIZE="-1">Patrick Sheaffer</FONT></TD>
<TD width="96">&nbsp;</TD>
<TD width="154"></TD></TR>
<TR VALIGN="BOTTOM"><TD width="32"></TD>
<TD width="384"></FONT><FONT SIZE="-1">Edward R. Geiger</FONT></TD>
<TD width="96">&nbsp;</TD>
<TD width="154"></TD></TR>
<TR VALIGN="BOTTOM"><TD width="32"></TD>
<TD width="384">&nbsp; </TD>
<TD width="96"></TD>
<TD width="154"></TD></TR>
<TR VALIGN="BOTTOM"><TD width="32"></TD>
<TD width="384"></FONT><FONT SIZE="-1"><STRONG>INSTRUCTIONS:  To withhold your vote for any</STRONG></FONT></TD>
<TD width="96">&nbsp;</TD>
<TD width="154"></TD></TR>
<TR VALIGN="BOTTOM"><TD width="32"></TD>
<TD width="384"></STRONG></FONT><FONT SIZE="-1"><STRONG>individual nominee, write the nominee's name on </STRONG></FONT></TD>
<TD width="96">&nbsp;</TD>
<TD width="154"></TD></TR>
<TR VALIGN="BOTTOM"><TD width="32"></TD>
<TD width="384"></STRONG></FONT><FONT SIZE="-1"><STRONG>the line below.</STRONG></FONT></TD>
<TD width="96">&nbsp;</TD>
<TD width="154"></TD></TR>
<TR VALIGN="BOTTOM"><TD width="32"></TD>
<TD width="384">_________________________________&nbsp; </TD>
<TD width="96"></TD>
<TD width="154"></TD></TR>
<TR VALIGN="BOTTOM"><TD width="32"></TD>
<TD width="384"></STRONG></FONT><FONT SIZE="-1">                                                                         </U></STRONG></FONT>
<font size="2">&nbsp;</font></TD>
<TD width="96">&nbsp;</TD>
<TD width="154"></TD></TR></TABLE>


<TABLE BORDER="0" WIDTH="671" cellspacing="1" cellpadding="0" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="BOTTOM"><TD COLSPAN="5" width="669">&nbsp; </TD></TR>
<TR VALIGN="BOTTOM"><TD width="18"></FONT><FONT SIZE="-1">2.</FONT></TD>
<TD width="590"><FONT SIZE="-1">In their discretion, upon such other matters as may </FONT></TD>
<TD width="19">&nbsp;</TD>
<TD width="19"></TD>
<TD width="19"></TD></TR>
<TR VALIGN="BOTTOM"><TD width="18"></TD>
<TD width="590"></FONT><FONT SIZE="-1">properly come before the meeting.</FONT></TD>
<TD width="19">&nbsp;</TD>
<TD width="19"></TD>
<TD width="19"></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="5" width="669">&nbsp; </TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="5" width="669">&nbsp; </TD></TR>
<TR VALIGN="BOTTOM"><TD width="18"></TD>
<TD COLSPAN="4" width="650"></FONT><FONT SIZE="-1"><STRONG>The Board of Directors recommends a vote "FOR" the election of the nominees listed above.</STRONG></FONT></TD></TR></TABLE>

<font size="2">

<BR WP="BR1">&nbsp;</font><FONT SIZE="-1"><STRONG></CENTER><HR color="#000000">

</STRONG></FONT><font size="2"></CENTER><b>THIS PROXY WILL BE VOTED AS DIRECTED, BUT IF NO INSTRUCTIONS ARE SPECIFIED, THIS
PROXY WILL BE VOTED FOR THE ELECTION OF THE NOMINEES LISTED ABOVE.  IF ANY OTHER
BUSINESS IS PRESENTED AT SUCH MEETING, THIS PROXY WILL BE VOTED BY THOSE NAMED IN
THIS PROXY IN THEIR BEST JUDGMENT.  AT THE PRESENT TIME, THE BOARD OF DIRECTORS
KNOWS OF NO OTHER BUSINESS TO BE PRESENTED AT THE MEETING. </b> </font>

<FONT SIZE="-1"><HR color="#000000">
</P>

</FONT><CENTER>&nbsp;</CENTER>
<p align="left"><font size="2">&lt;PAGE&gt;</font></p>
<CENTER><p><FONT SIZE="-1"><STRONG>THIS PROXY IS SOLICITED BY THE BOARD OF DIRECTORS</STRONG></p>
</CENTER>
</FONT>

<P align="justify"><FONT SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	Should the undersigned be present and elect to vote at the Meeting or at any adjournment or postponement thereof
and after notification to the Corporate Secretary of the Company at the Meeting of the stockholder's decision to terminate
this proxy, then the power of said attorneys and proxies shall be deemed terminated and of no further force and effect.</FONT></P>

<p align="justify"><FONT SIZE="-1">	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;	The undersigned acknowledges receipt from the Company, prior to the execution of this proxy, of the Notice of
Annual Meeting of Stockholders, a Proxy Statement for the Annual Meeting of Stockholders, and the 2005 Annual Report
to Stockholders.</FONT></p>
<TABLE BORDER="0" WIDTH="671" cellspacing="1" cellpadding="0" style="border-collapse: collapse" bordercolor="#111111">
<TR VALIGN="BOTTOM"><TD COLSPAN="3" width="669"><FONT SIZE="-1">Dated: ___________________, 2005</FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="3" width="669">&nbsp;</TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="3" width="669">&nbsp; </TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="3" width="669">&nbsp; </TD></TR>
<TR VALIGN="BOTTOM"><TD width="272"></FONT>____________________________</TD>
<TD width="42">&nbsp;</TD>
<TD width="353"></FONT>__________________________</TD></TR>
<TR VALIGN="BOTTOM"><TD width="272"></U></FONT><FONT SIZE="-1">PRINT NAME OF STOCKHOLDER</FONT></TD>
<TD width="42">&nbsp;</TD>
<TD width="353"></FONT><FONT SIZE="-1">PRINT NAME OF STOCKHOLDER</FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="3" width="669">&nbsp;</TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="3" width="669">&nbsp; </TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="3" width="669">&nbsp;</TD></TR>
<TR VALIGN="BOTTOM"><TD width="272"></FONT>
  ____________________________</TD>
<TD width="42"></TD>
<TD width="353"></FONT>___________________________</TD></TR>
<TR VALIGN="BOTTOM"><TD width="272"></FONT><FONT SIZE="-1">SIGNATURE OF STOCKHOLDER</FONT></TD>
<TD width="42">&nbsp;</TD>
<TD width="353"></FONT><FONT SIZE="-1">SIGNATURE OF STOCKHOLDER</FONT></TD></TR>
<TR VALIGN="BOTTOM"><TD COLSPAN="3" width="669">&nbsp;</TD></TR></TABLE>



</FONT>
<p><font size="2">Please sign exactly as your name appears on the enclosed card.  When signing as attorney, executor, administrator, trustee
or guardian, please give your full title.  If shares are held jointly, only one signature is required, but each holder should sign,
if possible.

<BR WP="BR1">&nbsp;</font></p>
<P><FONT SIZE="-1"><STRONG>PLEASE COMPLETE, DATE, SIGN AND MAIL THIS PROXY PROMPTLY IN THE ENCLOSED POSTAGE-PREPAID ENVELOPE.</STRONG></FONT></P>

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<p><font size="2">&lt;PAGE&gt;</font></p>

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`
end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----
