<?xml version='1.0' encoding='iso-8859-1'?>
<!-- Produced by EDGARsuite software, Advanced Computer Innovations, Inc., Copyright (C) 2008-2013 [PPXC7JF4UJYC]. www.edgarsuite.com -->
<schema xmlns:nonnum='http://www.xbrl.org/dtr/type/non-numeric' xmlns='http://www.w3.org/2001/XMLSchema' xmlns:num='http://www.xbrl.org/dtr/type/numeric' xmlns:link='http://www.xbrl.org/2003/linkbase' xmlns:us-gaap='http://fasb.org/us-gaap/2013-01-31' elementFormDefault='qualified' xmlns:fil='http://www.riverviewbank.com/20130331' attributeFormDefault='unqualified' xmlns:xbrli='http://www.xbrl.org/2003/instance' xmlns:dei='http://xbrl.sec.gov/dei/2013-01-31' targetNamespace='http://www.riverviewbank.com/20130331' xmlns:xlink='http://www.w3.org/1999/xlink' xmlns:xbrldt='http://xbrl.org/2005/xbrldt'>
	<annotation>
		<appinfo>
			<link:linkbaseRef xlink:type="simple" xlink:href="rvsb-20130331_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
			<link:linkbaseRef xlink:type="simple" xlink:href="rvsb-20130331_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
			<link:linkbaseRef xlink:type="simple" xlink:href="rvsb-20130331_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
			<link:linkbaseRef xlink:type="simple" xlink:href="rvsb-20130331_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure17FairValueMeasurementFairValueMeasurementsNonrecurringDetails" id="idr_Disclosure17FairValueMeasurementFairValueMeasurementsNonrecurringDetails">
				<link:definition>001180 - Disclosure - 17. Fair Value Measurement: Fair Value Measurements, Nonrecurring (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure5LoansReceivableScheduleOfRelatedPartyTransactionsDetails" id="idr_Disclosure5LoansReceivableScheduleOfRelatedPartyTransactionsDetails">
				<link:definition>000900 - Disclosure - 5. Loans Receivable: Schedule of Related Party Transactions (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure14EmployeeStockOwnershipPlanEmployeeStockOwnershipPlanESOPPolicyDetails" id="idr_Disclosure14EmployeeStockOwnershipPlanEmployeeStockOwnershipPlanESOPPolicyDetails">
				<link:definition>001110 - Disclosure - 14. Employee Stock Ownership Plan: Employee Stock Ownership Plan (ESOP), Policy (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure13EmployeeBenefitPlansScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingDetails" id="idr_Disclosure13EmployeeBenefitPlansScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingDetails">
				<link:definition>001090 - Disclosure - 13. Employee Benefit Plans: Schedule of Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Outstanding (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure18FairValueOfFinancialInstrumentsFairValueOptionQuantitativeDisclosuresTables" id="idr_Disclosure18FairValueOfFinancialInstrumentsFairValueOptionQuantitativeDisclosuresTables">
				<link:definition>000720 - Disclosure - 18. Fair Value of Financial Instruments: Fair Value, Option, Quantitative Disclosures (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure12IncomeTaxesScheduleOfEffectiveIncomeTaxRateReconciliationTables" id="idr_Disclosure12IncomeTaxesScheduleOfEffectiveIncomeTaxRateReconciliationTables">
				<link:definition>000600 - Disclosure - 12. Income Taxes: Schedule of Effective Income Tax Rate Reconciliation (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure11JuniorSubordinatedDebenturesScheduleOfTermsOfTheCurrentDebenturesTables" id="idr_Disclosure11JuniorSubordinatedDebenturesScheduleOfTermsOfTheCurrentDebenturesTables">
				<link:definition>000570 - Disclosure - 11. Junior Subordinated Debentures: Schedule of terms of the current Debentures (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_RIVERVIEWBANCORPINCANDSUBSIDIARYCONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOMELOSS" id="idr_RIVERVIEWBANCORPINCANDSUBSIDIARYCONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOMELOSS">
				<link:definition>000050 - Statement - RIVERVIEW BANCORP, INC. AND SUBSIDIARY CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure7PremisesAndEquipmentPropertyPlantAndEquipmentDetails" id="idr_Disclosure7PremisesAndEquipmentPropertyPlantAndEquipmentDetails">
				<link:definition>000980 - Disclosure - 7. Premises and Equipment: Property, Plant and Equipment (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure6AllowanceForLoanLossesFinancingReceivablesAgingOfLoansDetails" id="idr_Disclosure6AllowanceForLoanLossesFinancingReceivablesAgingOfLoansDetails">
				<link:definition>000940 - Disclosure - 6. Allowance For Loan Losses: Financing Receivables Aging of Loans (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure17FairValueMeasurementFairValueMeasurementsNonrecurringTables" id="idr_Disclosure17FairValueMeasurementFairValueMeasurementsNonrecurringTables">
				<link:definition>000700 - Disclosure - 17. Fair Value Measurement: Fair Value Measurements, Nonrecurring (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_RIVERVIEWBANCORPINCANDSUBSIDIARYCONSOLIDATEDSTATEMENTSOFCASHFLOWS" id="idr_RIVERVIEWBANCORPINCANDSUBSIDIARYCONSOLIDATEDSTATEMENTSOFCASHFLOWS">
				<link:definition>000060 - Statement - RIVERVIEW BANCORP, INC. AND SUBSIDIARY CONSOLIDATED STATEMENTS OF CASH FLOWS</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure18FairValueOfFinancialInstrumentsFairValueOptionQuantitativeDisclosuresDetails" id="idr_Disclosure18FairValueOfFinancialInstrumentsFairValueOptionQuantitativeDisclosuresDetails">
				<link:definition>001200 - Disclosure - 18. Fair Value of Financial Instruments: Fair Value, Option, Quantitative Disclosures (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure4MortgageBackedSecuritiesMortgageBackedSecuritiesHeldToMaturityClassifiedByContractualMaturityDetails" id="idr_Disclosure4MortgageBackedSecuritiesMortgageBackedSecuritiesHeldToMaturityClassifiedByContractualMaturityDetails">
				<link:definition>000850 - Disclosure - 4. Mortgage-backed Securities: Mortgage-Backed Securities Held to Maturity Classified By Contractual Maturity (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure17FairValueMeasurementScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTables" id="idr_Disclosure17FairValueMeasurementScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTables">
				<link:definition>000680 - Disclosure - 17. Fair Value Measurement: Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure1SummaryOfSignificantAccountingPolicies" id="idr_Disclosure1SummaryOfSignificantAccountingPolicies">
				<link:definition>000080 - Disclosure - 1. Summary of Significant Accounting Policies</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure13EmployeeBenefitPlansScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingTables" id="idr_Disclosure13EmployeeBenefitPlansScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingTables">
				<link:definition>000630 - Disclosure - 13. Employee Benefit Plans: Schedule of Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Outstanding (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure20RiverviewBancorpIncParentCompanyScheduleOfParentCompanyBalanceSheetDetails" id="idr_Disclosure20RiverviewBancorpIncParentCompanyScheduleOfParentCompanyBalanceSheetDetails">
				<link:definition>001220 - Disclosure - 20. Riverview Bancorp, Inc. (Parent Company): Schedule of Parent Company Balance Sheet (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure3InvestmentSecuritiesInvestmentSecuritiesPledgedAsCollateralPolicyDetails" id="idr_Disclosure3InvestmentSecuritiesInvestmentSecuritiesPledgedAsCollateralPolicyDetails">
				<link:definition>000820 - Disclosure - 3. Investment Securities: Investment securities pledged as collateral policy (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure3InvestmentSecuritiesScheduleOfTemporaryImpairmentLossesInvestmentsTableDetails" id="idr_Disclosure3InvestmentSecuritiesScheduleOfTemporaryImpairmentLossesInvestmentsTableDetails">
				<link:definition>000800 - Disclosure - 3. Investment Securities: Schedule of Temporary Impairment Losses Investments Table (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure10DepositAccounts" id="idr_Disclosure10DepositAccounts">
				<link:definition>000170 - Disclosure - 10. Deposit Accounts</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure3InvestmentSecuritiesHeldToMaturitySecuritiesDetails" id="idr_Disclosure3InvestmentSecuritiesHeldToMaturitySecuritiesDetails">
				<link:definition>000780 - Disclosure - 3. Investment Securities: Held-to-maturity Securities (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure2RestrictedAssetsRestrictedAssetsPolicyDetails" id="idr_Disclosure2RestrictedAssetsRestrictedAssetsPolicyDetails">
				<link:definition>000770 - Disclosure - 2. Restricted Assets: Restricted Assets Policy (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure3InvestmentSecuritiesAvailableForSaleSecuritiesTables" id="idr_Disclosure3InvestmentSecuritiesAvailableForSaleSecuritiesTables">
				<link:definition>000360 - Disclosure - 3. Investment Securities: Available-for-sale Securities (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure4MortgageBackedSecurities" id="idr_Disclosure4MortgageBackedSecurities">
				<link:definition>000110 - Disclosure - 4. Mortgage-backed Securities</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure6AllowanceForLoanLossesScheduleOfImpairedFinancingReceivablesTableDetails" id="idr_Disclosure6AllowanceForLoanLossesScheduleOfImpairedFinancingReceivablesTableDetails">
				<link:definition>000920 - Disclosure - 6. Allowance For Loan Losses: Schedule of Impaired Financing Receivables Table (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure6AllowanceForLoanLossesScheduleOfReconciliationOfTheAllowanceForLoanLossesTables" id="idr_Disclosure6AllowanceForLoanLossesScheduleOfReconciliationOfTheAllowanceForLoanLossesTables">
				<link:definition>000450 - Disclosure - 6. Allowance For Loan Losses: Schedule of Reconciliation of the Allowance for Loan Losses (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure2RestrictedAssets" id="idr_Disclosure2RestrictedAssets">
				<link:definition>000090 - Disclosure - 2. Restricted Assets</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure4MortgageBackedSecuritiesMortgageBackedSecuritiesPledgedAsCollateralPolicyPolicies" id="idr_Disclosure4MortgageBackedSecuritiesMortgageBackedSecuritiesPledgedAsCollateralPolicyPolicies">
				<link:definition>000300 - Disclosure - 4. Mortgage-backed Securities: Mortgage backed securities pledged as collateral policy (Policies)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure2RestrictedAssetsRestrictedAssetsPolicyPolicies" id="idr_Disclosure2RestrictedAssetsRestrictedAssetsPolicyPolicies">
				<link:definition>000280 - Disclosure - 2. Restricted Assets: Restricted Assets Policy (Policies)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure19CommitmentsAndContingencies" id="idr_Disclosure19CommitmentsAndContingencies">
				<link:definition>000260 - Disclosure - 19. Commitments and Contingencies</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure20RiverviewBancorpIncParentCompanyScheduleOfParentCompanyCashFlowsStatementDetails" id="idr_Disclosure20RiverviewBancorpIncParentCompanyScheduleOfParentCompanyCashFlowsStatementDetails">
				<link:definition>001240 - Disclosure - 20. Riverview Bancorp, Inc. (Parent Company): Schedule of Parent Company Cash Flows Statement (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure13EmployeeBenefitPlansScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsDetails" id="idr_Disclosure13EmployeeBenefitPlansScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsDetails">
				<link:definition>001070 - Disclosure - 13. Employee Benefit Plans: Schedule of Share-based Payment Award, Stock Options, Valuation Assumptions (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure14EmployeeStockOwnershipPlanEmployeeStockOwnershipPlanESOPDisclosuresTables" id="idr_Disclosure14EmployeeStockOwnershipPlanEmployeeStockOwnershipPlanESOPDisclosuresTables">
				<link:definition>000650 - Disclosure - 14. Employee Stock Ownership Plan: Employee Stock Ownership Plan (ESOP) Disclosures (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure13EmployeeBenefitPlansScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTables" id="idr_Disclosure13EmployeeBenefitPlansScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTables">
				<link:definition>000610 - Disclosure - 13. Employee Benefit Plans: Schedule of Share-based Payment Award, Stock Options, Valuation Assumptions (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure12IncomeTaxesScheduleOfComponentsOfIncomeTaxExpenseBenefitDetails" id="idr_Disclosure12IncomeTaxesScheduleOfComponentsOfIncomeTaxExpenseBenefitDetails">
				<link:definition>001040 - Disclosure - 12. Income Taxes: Schedule of Components of Income Tax Expense (Benefit) (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_RIVERVIEWBANCORPINCANDSUBSIDIARYCONSOLIDATEDBALANCESHEETSParenthetical" id="idr_RIVERVIEWBANCORPINCANDSUBSIDIARYCONSOLIDATEDBALANCESHEETSParenthetical">
				<link:definition>000030 - Statement - RIVERVIEW BANCORP, INC. AND SUBSIDIARY CONSOLIDATED BALANCE SHEETS (Parenthetical)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure7PremisesAndEquipment" id="idr_Disclosure7PremisesAndEquipment">
				<link:definition>000140 - Disclosure - 7. Premises and Equipment</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure17FairValueMeasurementFairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTables" id="idr_Disclosure17FairValueMeasurementFairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTables">
				<link:definition>000690 - Disclosure - 17. Fair Value Measurement: Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure6AllowanceForLoanLossesTroubledDebtRestructuringsOnFinancingReceivablesTables" id="idr_Disclosure6AllowanceForLoanLossesTroubledDebtRestructuringsOnFinancingReceivablesTables">
				<link:definition>000510 - Disclosure - 6. Allowance For Loan Losses: Troubled Debt Restructurings on Financing Receivables (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure19CommitmentsAndContingenciesCommitmentsAndContingenciesPolicyPolicies" id="idr_Disclosure19CommitmentsAndContingenciesCommitmentsAndContingenciesPolicyPolicies">
				<link:definition>000340 - Disclosure - 19. Commitments and Contingencies: Commitments and Contingencies, Policy (Policies)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure17FairValueMeasurementFairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationDetails" id="idr_Disclosure17FairValueMeasurementFairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationDetails">
				<link:definition>001170 - Disclosure - 17. Fair Value Measurement: Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure13EmployeeBenefitPlansScheduleOfStockOptionsOutstandingDetails" id="idr_Disclosure13EmployeeBenefitPlansScheduleOfStockOptionsOutstandingDetails">
				<link:definition>001100 - Disclosure - 13. Employee Benefit Plans: Schedule of Stock Options Outstanding (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure20RiverviewBancorpIncParentCompanyScheduleOfParentCompanyBalanceSheetTables" id="idr_Disclosure20RiverviewBancorpIncParentCompanyScheduleOfParentCompanyBalanceSheetTables">
				<link:definition>000730 - Disclosure - 20. Riverview Bancorp, Inc. (Parent Company): Schedule of Parent Company Balance Sheet (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure8RealEstateOwnedRealEstateOwnedPolicyPolicies" id="idr_Disclosure8RealEstateOwnedRealEstateOwnedPolicyPolicies">
				<link:definition>000320 - Disclosure - 8. Real Estate Owned: Real Estate Owned Policy (Policies)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure20RiverviewBancorpIncParentCompanyScheduleOfQuarterlyFinancialInformationTables" id="idr_Disclosure20RiverviewBancorpIncParentCompanyScheduleOfQuarterlyFinancialInformationTables">
				<link:definition>000760 - Disclosure - 20. Riverview Bancorp, Inc. (Parent Company): Schedule of Quarterly Financial Information (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure12IncomeTaxesScheduleOfComponentsOfIncomeTaxExpenseBenefitTables" id="idr_Disclosure12IncomeTaxesScheduleOfComponentsOfIncomeTaxExpenseBenefitTables">
				<link:definition>000580 - Disclosure - 12. Income Taxes: Schedule of Components of Income Tax Expense (Benefit) (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure11JuniorSubordinatedDebentures" id="idr_Disclosure11JuniorSubordinatedDebentures">
				<link:definition>000180 - Disclosure - 11. Junior Subordinated Debentures</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure18FairValueOfFinancialInstruments" id="idr_Disclosure18FairValueOfFinancialInstruments">
				<link:definition>000250 - Disclosure - 18. Fair Value of Financial Instruments</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure13EmployeeBenefitPlans" id="idr_Disclosure13EmployeeBenefitPlans">
				<link:definition>000200 - Disclosure - 13. Employee Benefit Plans</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure17FairValueMeasurementScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisDetails" id="idr_Disclosure17FairValueMeasurementScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisDetails">
				<link:definition>001160 - Disclosure - 17. Fair Value Measurement: Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure15ShareholdersEquityAndRegulatoryCapitalRequirementsScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTables" id="idr_Disclosure15ShareholdersEquityAndRegulatoryCapitalRequirementsScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTables">
				<link:definition>000660 - Disclosure - 15. Shareholders&apos; Equity and Regulatory Capital Requirements: Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure3InvestmentSecuritiesContractualObligationFiscalYearMaturityScheduleTables" id="idr_Disclosure3InvestmentSecuritiesContractualObligationFiscalYearMaturityScheduleTables">
				<link:definition>000380 - Disclosure - 3. Investment Securities: Contractual Obligation, Fiscal Year Maturity Schedule (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure6AllowanceForLoanLossesFinancingReceivableCreditQualityIndicatorsDetails" id="idr_Disclosure6AllowanceForLoanLossesFinancingReceivableCreditQualityIndicatorsDetails">
				<link:definition>000950 - Disclosure - 6. Allowance For Loan Losses: Financing Receivable Credit Quality Indicators (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure15ShareholdersEquityAndRegulatoryCapitalRequirements" id="idr_Disclosure15ShareholdersEquityAndRegulatoryCapitalRequirements">
				<link:definition>000220 - Disclosure - 15. Shareholders&apos; Equity and Regulatory Capital Requirements</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure12IncomeTaxesScheduleOfDeferredTaxAssetsAndLiabilitiesDetails" id="idr_Disclosure12IncomeTaxesScheduleOfDeferredTaxAssetsAndLiabilitiesDetails">
				<link:definition>001050 - Disclosure - 12. Income Taxes: Schedule of Deferred Tax Assets and Liabilities (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure10DepositAccountsInterestExpenseOnDepositLiabilitiesTableDetails" id="idr_Disclosure10DepositAccountsInterestExpenseOnDepositLiabilitiesTableDetails">
				<link:definition>001020 - Disclosure - 10. Deposit Accounts: Interest Expense on Deposit Liabilities Table (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure4MortgageBackedSecuritiesMortgageBackedSecuritiesPledgedAsCollateralPolicyDetails" id="idr_Disclosure4MortgageBackedSecuritiesMortgageBackedSecuritiesPledgedAsCollateralPolicyDetails">
				<link:definition>000840 - Disclosure - 4. Mortgage-backed Securities: Mortgage backed securities pledged as collateral policy (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure6AllowanceForLoanLosses" id="idr_Disclosure6AllowanceForLoanLosses">
				<link:definition>000130 - Disclosure - 6. Allowance For Loan Losses</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure6AllowanceForLoanLossesTroubledDebtRestructuringsOnFinancingReceivablesDetails" id="idr_Disclosure6AllowanceForLoanLossesTroubledDebtRestructuringsOnFinancingReceivablesDetails">
				<link:definition>000970 - Disclosure - 6. Allowance For Loan Losses: Troubled Debt Restructurings on Financing Receivables (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure16EarningsPerShareScheduleOfEarningsPerShareBasicAndDilutedDetails" id="idr_Disclosure16EarningsPerShareScheduleOfEarningsPerShareBasicAndDilutedDetails">
				<link:definition>001150 - Disclosure - 16. Earnings Per Share: Schedule of Earnings Per Share, Basic and Diluted (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure12IncomeTaxes" id="idr_Disclosure12IncomeTaxes">
				<link:definition>000190 - Disclosure - 12. Income Taxes</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure12IncomeTaxesScheduleOfEffectiveIncomeTaxRateReconciliationDetails" id="idr_Disclosure12IncomeTaxesScheduleOfEffectiveIncomeTaxRateReconciliationDetails">
				<link:definition>001060 - Disclosure - 12. Income Taxes: Schedule of Effective Income Tax Rate Reconciliation (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure3InvestmentSecuritiesHeldToMaturitySecuritiesTables" id="idr_Disclosure3InvestmentSecuritiesHeldToMaturitySecuritiesTables">
				<link:definition>000350 - Disclosure - 3. Investment Securities: Held-to-maturity Securities (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure17FairValueMeasurementFairValueMeasurementsRecurringAndNonrecurringValuationTechniquesTables" id="idr_Disclosure17FairValueMeasurementFairValueMeasurementsRecurringAndNonrecurringValuationTechniquesTables">
				<link:definition>000710 - Disclosure - 17. Fair Value Measurement: Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure7PremisesAndEquipmentScheduleOfFutureMinimumLeasePaymentsForCapitalAndOperatingLeasesTables" id="idr_Disclosure7PremisesAndEquipmentScheduleOfFutureMinimumLeasePaymentsForCapitalAndOperatingLeasesTables">
				<link:definition>000530 - Disclosure - 7. Premises and Equipment: Schedule of Future Minimum Lease Payments for Capital and Operating Leases (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure11JuniorSubordinatedDebenturesScheduleOfTermsOfTheCurrentDebenturesDetails" id="idr_Disclosure11JuniorSubordinatedDebenturesScheduleOfTermsOfTheCurrentDebenturesDetails">
				<link:definition>001030 - Disclosure - 11. Junior Subordinated Debentures: Schedule of terms of the current Debentures (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_RIVERVIEWBANCORPINCANDSUBSIDIARYCONSOLIDATEDSTATEMENTSOFSTOCKHOLDERSEQUITY" id="idr_RIVERVIEWBANCORPINCANDSUBSIDIARYCONSOLIDATEDSTATEMENTSOFSTOCKHOLDERSEQUITY">
				<link:definition>000070 - Statement - RIVERVIEW BANCORP, INC. AND SUBSIDIARY CONSOLIDATED STATEMENTS OF STOCKHOLDERS EQUITY</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure17FairValueMeasurementFairValueMeasurementsRecurringAndNonrecurringValuationTechniquesDetails" id="idr_Disclosure17FairValueMeasurementFairValueMeasurementsRecurringAndNonrecurringValuationTechniquesDetails">
				<link:definition>001190 - Disclosure - 17. Fair Value Measurement: Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure6AllowanceForLoanLossesScheduleOfImpairedFinancingReceivablesTableTables" id="idr_Disclosure6AllowanceForLoanLossesScheduleOfImpairedFinancingReceivablesTableTables">
				<link:definition>000460 - Disclosure - 6. Allowance For Loan Losses: Schedule of Impaired Financing Receivables Table (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure8RealEstateOwned" id="idr_Disclosure8RealEstateOwned">
				<link:definition>000150 - Disclosure - 8. Real Estate Owned</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure16EarningsPerShareScheduleOfEarningsPerShareBasicAndDilutedTables" id="idr_Disclosure16EarningsPerShareScheduleOfEarningsPerShareBasicAndDilutedTables">
				<link:definition>000670 - Disclosure - 16. Earnings Per Share: Schedule of Earnings Per Share, Basic and Diluted (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure4MortgageBackedSecuritiesMortgageBackedSecuritiesHeldToMaturityClassifiedByContractualMaturityTables" id="idr_Disclosure4MortgageBackedSecuritiesMortgageBackedSecuritiesHeldToMaturityClassifiedByContractualMaturityTables">
				<link:definition>000400 - Disclosure - 4. Mortgage-backed Securities: Mortgage-Backed Securities Held to Maturity Classified By Contractual Maturity (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure9Goodwill" id="idr_Disclosure9Goodwill">
				<link:definition>000160 - Disclosure - 9. Goodwill</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure3InvestmentSecuritiesContractualObligationFiscalYearMaturityScheduleDetails" id="idr_Disclosure3InvestmentSecuritiesContractualObligationFiscalYearMaturityScheduleDetails">
				<link:definition>000810 - Disclosure - 3. Investment Securities: Contractual Obligation, Fiscal Year Maturity Schedule (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure3InvestmentSecurities" id="idr_Disclosure3InvestmentSecurities">
				<link:definition>000100 - Disclosure - 3. Investment Securities</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure6AllowanceForLoanLossesScheduleOfChangesInAllowanceForUnfundedLoanCommitmentsTables" id="idr_Disclosure6AllowanceForLoanLossesScheduleOfChangesInAllowanceForUnfundedLoanCommitmentsTables">
				<link:definition>000470 - Disclosure - 6. Allowance For Loan Losses: Schedule of Changes in Allowance for Unfunded Loan Commitments (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure3InvestmentSecuritiesAvailableForSaleSecuritiesDetails" id="idr_Disclosure3InvestmentSecuritiesAvailableForSaleSecuritiesDetails">
				<link:definition>000790 - Disclosure - 3. Investment Securities: Available-for-sale Securities (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure13EmployeeBenefitPlansScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeTables" id="idr_Disclosure13EmployeeBenefitPlansScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeTables">
				<link:definition>000620 - Disclosure - 13. Employee Benefit Plans: Schedule of Share-based Compensation, Shares Authorized under Stock Option Plans, by Exercise Price Range (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure6AllowanceForLoanLossesFinancingReceivableCreditQualityIndicatorsTables" id="idr_Disclosure6AllowanceForLoanLossesFinancingReceivableCreditQualityIndicatorsTables">
				<link:definition>000490 - Disclosure - 6. Allowance For Loan Losses: Financing Receivable Credit Quality Indicators (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure10DepositAccountsInterestExpenseOnDepositLiabilitiesTableTables" id="idr_Disclosure10DepositAccountsInterestExpenseOnDepositLiabilitiesTableTables">
				<link:definition>000560 - Disclosure - 10. Deposit Accounts: Interest Expense on Deposit Liabilities Table (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure7PremisesAndEquipmentPropertyPlantAndEquipmentTables" id="idr_Disclosure7PremisesAndEquipmentPropertyPlantAndEquipmentTables">
				<link:definition>000520 - Disclosure - 7. Premises and Equipment: Property, Plant and Equipment (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure4MortgageBackedSecuritiesMortgageBackedSecuritiesAvailableForSaleClassifiedByContractualMaturityTables" id="idr_Disclosure4MortgageBackedSecuritiesMortgageBackedSecuritiesAvailableForSaleClassifiedByContractualMaturityTables">
				<link:definition>000420 - Disclosure - 4. Mortgage-backed Securities: Mortgage-Backed Securities Available for Sale Classified By Contractual Maturity (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure5LoansReceivable" id="idr_Disclosure5LoansReceivable">
				<link:definition>000120 - Disclosure - 5. Loans Receivable</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure20RiverviewBancorpIncParentCompanyScheduleOfParentCompanyIncomeStatementDetails" id="idr_Disclosure20RiverviewBancorpIncParentCompanyScheduleOfParentCompanyIncomeStatementDetails">
				<link:definition>001230 - Disclosure - 20. Riverview Bancorp, Inc. (Parent Company): Schedule of Parent Company Income Statement (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure7PremisesAndEquipmentScheduleOfFutureMinimumLeasePaymentsForCapitalAndOperatingLeasesDetails" id="idr_Disclosure7PremisesAndEquipmentScheduleOfFutureMinimumLeasePaymentsForCapitalAndOperatingLeasesDetails">
				<link:definition>000990 - Disclosure - 7. Premises and Equipment: Schedule of Future Minimum Lease Payments for Capital and Operating Leases (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_DocumentDocumentAndEntityInformation" id="idr_DocumentDocumentAndEntityInformation">
				<link:definition>000010 - Document - Document and Entity Information</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure6AllowanceForLoanLossesScheduleOfChangesInAllowanceForUnfundedLoanCommitmentsDetails" id="idr_Disclosure6AllowanceForLoanLossesScheduleOfChangesInAllowanceForUnfundedLoanCommitmentsDetails">
				<link:definition>000930 - Disclosure - 6. Allowance For Loan Losses: Schedule of Changes in Allowance for Unfunded Loan Commitments (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure15ShareholdersEquityAndRegulatoryCapitalRequirementsScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsDetails" id="idr_Disclosure15ShareholdersEquityAndRegulatoryCapitalRequirementsScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsDetails">
				<link:definition>001130 - Disclosure - 15. Shareholders&apos; Equity and Regulatory Capital Requirements: Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure8RealEstateOwnedScheduleOfRealEstatePropertiesTables" id="idr_Disclosure8RealEstateOwnedScheduleOfRealEstatePropertiesTables">
				<link:definition>000540 - Disclosure - 8. Real Estate Owned: Schedule of Real Estate Properties (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure4MortgageBackedSecuritiesMortgageBackedSecuritiesAvailableForSalePledgedAsCollateralPolicyPolicies" id="idr_Disclosure4MortgageBackedSecuritiesMortgageBackedSecuritiesAvailableForSalePledgedAsCollateralPolicyPolicies">
				<link:definition>000310 - Disclosure - 4. Mortgage-backed Securities: Mortgage backed securities available for sale pledged as collateral policy (Policies)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure4MortgageBackedSecuritiesMortgageBackedSecuritiesAvailableForSalePledgedAsCollateralPolicyDetails" id="idr_Disclosure4MortgageBackedSecuritiesMortgageBackedSecuritiesAvailableForSalePledgedAsCollateralPolicyDetails">
				<link:definition>000880 - Disclosure - 4. Mortgage-backed Securities: Mortgage backed securities available for sale pledged as collateral policy (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure16EarningsPerShare" id="idr_Disclosure16EarningsPerShare">
				<link:definition>000230 - Disclosure - 16. Earnings Per Share</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_RIVERVIEWBANCORPINCANDSUBSIDIARYCONSOLIDATEDBALANCESHEETS" id="idr_RIVERVIEWBANCORPINCANDSUBSIDIARYCONSOLIDATEDBALANCESHEETS">
				<link:definition>000020 - Statement - RIVERVIEW BANCORP, INC. AND SUBSIDIARY CONSOLIDATED BALANCE SHEETS</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure12IncomeTaxesScheduleOfDeferredTaxAssetsAndLiabilitiesTables" id="idr_Disclosure12IncomeTaxesScheduleOfDeferredTaxAssetsAndLiabilitiesTables">
				<link:definition>000590 - Disclosure - 12. Income Taxes: Schedule of Deferred Tax Assets and Liabilities (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure3InvestmentSecuritiesInvestmentSecuritiesPledgedAsCollateralPolicyPolicies" id="idr_Disclosure3InvestmentSecuritiesInvestmentSecuritiesPledgedAsCollateralPolicyPolicies">
				<link:definition>000290 - Disclosure - 3. Investment Securities: Investment securities pledged as collateral policy (Policies)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure4MortgageBackedSecuritiesMortgageBackedSecuritiesAvailableForSaleTables" id="idr_Disclosure4MortgageBackedSecuritiesMortgageBackedSecuritiesAvailableForSaleTables">
				<link:definition>000410 - Disclosure - 4. Mortgage-backed Securities: Mortgage-Backed Securities Available for Sale (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure14EmployeeStockOwnershipPlan" id="idr_Disclosure14EmployeeStockOwnershipPlan">
				<link:definition>000210 - Disclosure - 14. Employee Stock Ownership Plan</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure10DepositAccountsDepositAccountTableDetails" id="idr_Disclosure10DepositAccountsDepositAccountTableDetails">
				<link:definition>001010 - Disclosure - 10. Deposit Accounts: Deposit Account Table (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure8RealEstateOwnedScheduleOfRealEstatePropertiesDetails" id="idr_Disclosure8RealEstateOwnedScheduleOfRealEstatePropertiesDetails">
				<link:definition>001000 - Disclosure - 8. Real Estate Owned: Schedule of Real Estate Properties (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure3InvestmentSecuritiesScheduleOfTemporaryImpairmentLossesInvestmentsTableTables" id="idr_Disclosure3InvestmentSecuritiesScheduleOfTemporaryImpairmentLossesInvestmentsTableTables">
				<link:definition>000370 - Disclosure - 3. Investment Securities: Schedule of Temporary Impairment Losses Investments Table (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure17FairValueMeasurement" id="idr_Disclosure17FairValueMeasurement">
				<link:definition>000240 - Disclosure - 17. Fair Value Measurement</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure5LoansReceivableScheduleOfRelatedPartyTransactionsTables" id="idr_Disclosure5LoansReceivableScheduleOfRelatedPartyTransactionsTables">
				<link:definition>000440 - Disclosure - 5. Loans Receivable: Schedule of Related Party Transactions (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure20RiverviewBancorpIncParentCompanyScheduleOfParentCompanyIncomeStatementTables" id="idr_Disclosure20RiverviewBancorpIncParentCompanyScheduleOfParentCompanyIncomeStatementTables">
				<link:definition>000740 - Disclosure - 20. Riverview Bancorp, Inc. (Parent Company): Schedule of Parent Company Income Statement (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure19CommitmentsAndContingenciesCommitmentsAndContingenciesPolicyDetails" id="idr_Disclosure19CommitmentsAndContingenciesCommitmentsAndContingenciesPolicyDetails">
				<link:definition>001210 - Disclosure - 19. Commitments and Contingencies: Commitments and Contingencies, Policy (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure5LoansReceivableScheduleOfAccountsNotesLoansAndFinancingReceivableTables" id="idr_Disclosure5LoansReceivableScheduleOfAccountsNotesLoansAndFinancingReceivableTables">
				<link:definition>000430 - Disclosure - 5. Loans Receivable: Schedule of Accounts, Notes, Loans and Financing Receivable (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure4MortgageBackedSecuritiesMortgageBackedSecuritiesHeldToMaturityDetails" id="idr_Disclosure4MortgageBackedSecuritiesMortgageBackedSecuritiesHeldToMaturityDetails">
				<link:definition>000830 - Disclosure - 4. Mortgage-backed Securities: Mortgage-Backed Securities Held to Maturity (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure6AllowanceForLoanLossesFinancingReceivablesAgingOfLoansTables" id="idr_Disclosure6AllowanceForLoanLossesFinancingReceivablesAgingOfLoansTables">
				<link:definition>000480 - Disclosure - 6. Allowance For Loan Losses: Financing Receivables Aging of Loans (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure16EarningsPerShareDetails" id="idr_Disclosure16EarningsPerShareDetails">
				<link:definition>001140 - Disclosure - 16. Earnings Per Share (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure6AllowanceForLoanLossesImpairedFinancingReceivablesDetails" id="idr_Disclosure6AllowanceForLoanLossesImpairedFinancingReceivablesDetails">
				<link:definition>000960 - Disclosure - 6. Allowance For Loan Losses: Impaired Financing Receivables (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure4MortgageBackedSecuritiesMortgageBackedSecuritiesAvailableForSaleDetails" id="idr_Disclosure4MortgageBackedSecuritiesMortgageBackedSecuritiesAvailableForSaleDetails">
				<link:definition>000860 - Disclosure - 4. Mortgage-backed Securities: Mortgage-Backed Securities Available for Sale (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure20RiverviewBancorpIncParentCompanyScheduleOfQuarterlyFinancialInformationDetails" id="idr_Disclosure20RiverviewBancorpIncParentCompanyScheduleOfQuarterlyFinancialInformationDetails">
				<link:definition>001250 - Disclosure - 20. Riverview Bancorp, Inc. (Parent Company): Schedule of Quarterly Financial Information (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure10DepositAccountsDepositAccountTableTables" id="idr_Disclosure10DepositAccountsDepositAccountTableTables">
				<link:definition>000550 - Disclosure - 10. Deposit Accounts: Deposit Account Table (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure14EmployeeStockOwnershipPlanEmployeeStockOwnershipPlanESOPDisclosuresDetails" id="idr_Disclosure14EmployeeStockOwnershipPlanEmployeeStockOwnershipPlanESOPDisclosuresDetails">
				<link:definition>001120 - Disclosure - 14. Employee Stock Ownership Plan: Employee Stock Ownership Plan (ESOP) Disclosures (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure13EmployeeBenefitPlansScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeDetails" id="idr_Disclosure13EmployeeBenefitPlansScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeDetails">
				<link:definition>001080 - Disclosure - 13. Employee Benefit Plans: Schedule of Share-based Compensation, Shares Authorized under Stock Option Plans, by Exercise Price Range (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure6AllowanceForLoanLossesScheduleOfReconciliationOfTheAllowanceForLoanLossesDetails" id="idr_Disclosure6AllowanceForLoanLossesScheduleOfReconciliationOfTheAllowanceForLoanLossesDetails">
				<link:definition>000910 - Disclosure - 6. Allowance For Loan Losses: Schedule of Reconciliation of the Allowance for Loan Losses (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure5LoansReceivableScheduleOfAccountsNotesLoansAndFinancingReceivableDetails" id="idr_Disclosure5LoansReceivableScheduleOfAccountsNotesLoansAndFinancingReceivableDetails">
				<link:definition>000890 - Disclosure - 5. Loans Receivable: Schedule of Accounts, Notes, Loans and Financing Receivable (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure4MortgageBackedSecuritiesMortgageBackedSecuritiesHeldToMaturityTables" id="idr_Disclosure4MortgageBackedSecuritiesMortgageBackedSecuritiesHeldToMaturityTables">
				<link:definition>000390 - Disclosure - 4. Mortgage-backed Securities: Mortgage-Backed Securities Held to Maturity (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure20RiverviewBancorpIncParentCompany" id="idr_Disclosure20RiverviewBancorpIncParentCompany">
				<link:definition>000270 - Disclosure - 20. Riverview Bancorp, Inc. (Parent Company)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure4MortgageBackedSecuritiesMortgageBackedSecuritiesAvailableForSaleClassifiedByContractualMaturityDetails" id="idr_Disclosure4MortgageBackedSecuritiesMortgageBackedSecuritiesAvailableForSaleClassifiedByContractualMaturityDetails">
				<link:definition>000870 - Disclosure - 4. Mortgage-backed Securities: Mortgage-Backed Securities Available for Sale Classified By Contractual Maturity (Details)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure6AllowanceForLoanLossesImpairedFinancingReceivablesTables" id="idr_Disclosure6AllowanceForLoanLossesImpairedFinancingReceivablesTables">
				<link:definition>000500 - Disclosure - 6. Allowance For Loan Losses: Impaired Financing Receivables (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure13EmployeeBenefitPlansScheduleOfStockOptionsOutstandingTables" id="idr_Disclosure13EmployeeBenefitPlansScheduleOfStockOptionsOutstandingTables">
				<link:definition>000640 - Disclosure - 13. Employee Benefit Plans: Schedule of Stock Options Outstanding (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_RIVERVIEWBANCORPINCANDSUBSIDIARYCONSOLIDATEDSTATEMENTSOFOPERATIONS" id="idr_RIVERVIEWBANCORPINCANDSUBSIDIARYCONSOLIDATEDSTATEMENTSOFOPERATIONS">
				<link:definition>000040 - Statement - RIVERVIEW BANCORP, INC. AND SUBSIDIARY CONSOLIDATED STATEMENTS OF OPERATIONS</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure20RiverviewBancorpIncParentCompanyScheduleOfParentCompanyCashFlowsStatementTables" id="idr_Disclosure20RiverviewBancorpIncParentCompanyScheduleOfParentCompanyCashFlowsStatementTables">
				<link:definition>000750 - Disclosure - 20. Riverview Bancorp, Inc. (Parent Company): Schedule of Parent Company Cash Flows Statement (Tables)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.riverviewbank.com/20130331/role/idr_Disclosure14EmployeeStockOwnershipPlanEmployeeStockOwnershipPlanESOPPolicyPolicies" id="idr_Disclosure14EmployeeStockOwnershipPlanEmployeeStockOwnershipPlanESOPPolicyPolicies">
				<link:definition>000330 - Disclosure - 14. Employee Stock Ownership Plan: Employee Stock Ownership Plan (ESOP), Policy (Policies)</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
		</appinfo>
	</annotation>
	<import schemaLocation='http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd' namespace='http://www.xbrl.org/2003/instance'/>
	<import schemaLocation='http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd' namespace='http://www.xbrl.org/dtr/type/numeric'/>
	<import schemaLocation='http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd' namespace='http://www.xbrl.org/dtr/type/non-numeric'/>
	<import schemaLocation='http://www.xbrl.org/2005/xbrldt-2005.xsd' namespace='http://xbrl.org/2005/xbrldt'/>
	<import schemaLocation='http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd' namespace='http://fasb.org/us-gaap/2013-01-31' />
	<import schemaLocation='http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd' namespace='http://xbrl.sec.gov/dei/2013-01-31' />
	<element id='fil_ProvisionForIncomeTaxes' nillable='true' name='ProvisionForIncomeTaxes' xbrli:balance='credit' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element abstract='true' id='fil_DocumentAndEntityInformationAbstract' nillable='true' name='DocumentAndEntityInformationAbstract' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='xbrli:stringItemType' />
	<element id='fil_TrustPreferredMember' nillable='true' name='TrustPreferredMember' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_TemporarilyImpairedSecuritiesMember' nillable='true' name='TemporarilyImpairedSecuritiesMember' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_MortgageBackedSecuritiesHeldToMaturityMember' nillable='true' name='MortgageBackedSecuritiesHeldToMaturityMember' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_RealEstateMortgageInvestmentConduitsMember' nillable='true' name='RealEstateMortgageInvestmentConduitsMember' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_MortgageBackedSecuritiesAvailableForSaleMember' nillable='true' name='MortgageBackedSecuritiesAvailableForSaleMember' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_CommercialAndConstructionMember' nillable='true' name='CommercialAndConstructionMember' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_CommercialBusinessMember' nillable='true' name='CommercialBusinessMember' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_OtherRealEstateMortgageMember' nillable='true' name='OtherRealEstateMortgageMember' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_ConsumerRealEstateOneToFourFamilyMember' nillable='true' name='ConsumerRealEstateOneToFourFamilyMember' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_LoansReceivableGrossMember' nillable='true' name='LoansReceivableGrossMember' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_LoansReceivableNetMember' nillable='true' name='LoansReceivableNetMember' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_CommercialRealEstateConstructionMember' nillable='true' name='CommercialRealEstateConstructionMember' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_MultiFamilyMember' nillable='true' name='MultiFamilyMember' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_RealEstateConstructionMember' nillable='true' name='RealEstateConstructionMember' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_LoansRiskRatedMember' nillable='true' name='LoansRiskRatedMember' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_OperatingLeaseObligationsMember' nillable='true' name='OperatingLeaseObligationsMember' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element abstract='true' id='fil_IssuanceTrustAxis' nillable='true' name='IssuanceTrustAxis' xbrli:periodType='duration' substitutionGroup='xbrldt:dimensionItem' type='xbrli:stringItemType' />
	<element id='fil_IssuanceTrustDomain' nillable='true' name='IssuanceTrustDomain' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_RiverviewBancorpStatutoryTrustIMember' nillable='true' name='RiverviewBancorpStatutoryTrustIMember' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_RiverviewBancorpStatutoryTrustIIMember' nillable='true' name='RiverviewBancorpStatutoryTrustIIMember' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_Fiscal2012Member' nillable='true' name='Fiscal2012Member' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_Fiscal2011Member' nillable='true' name='Fiscal2011Member' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_Fiscal2013Member' nillable='true' name='Fiscal2013Member' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_StockOptionPlanMember' nillable='true' name='StockOptionPlanMember' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_AllocationDecember312010Member' nillable='true' name='AllocationDecember312010Member' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_AllocationDecember312011Member' nillable='true' name='AllocationDecember312011Member' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_AllocationDecember312012Member' nillable='true' name='AllocationDecember312012Member' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element abstract='true' id='fil_RegulatoryCapitalRequirementsUnderBankingRegulationsAxis' nillable='true' name='RegulatoryCapitalRequirementsUnderBankingRegulationsAxis' xbrli:periodType='duration' substitutionGroup='xbrldt:dimensionItem' type='xbrli:stringItemType' />
	<element id='fil_RegulatoryCapitalRequirementsUnderBankingRegulationsDomain' nillable='true' name='RegulatoryCapitalRequirementsUnderBankingRegulationsDomain' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_TotalCapitalToRiskWeightedAssetsMember' nillable='true' name='TotalCapitalToRiskWeightedAssetsMember' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_Tier1CapitalToRiskWeightedAssetsMember' nillable='true' name='Tier1CapitalToRiskWeightedAssetsMember' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_Tier1CapitalLeverageToAdjustedTangibleAssetsMember' nillable='true' name='Tier1CapitalLeverageToAdjustedTangibleAssetsMember' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_TangibleCapitalToTangibleAssetsMember' nillable='true' name='TangibleCapitalToTangibleAssetsMember' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_RecurringAssetsMeasuredAtFairValueMember' nillable='true' name='RecurringAssetsMeasuredAtFairValueMember' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element abstract='true' id='fil_FairValueAssetsNonrecurringAxis' nillable='true' name='FairValueAssetsNonrecurringAxis' xbrli:periodType='duration' substitutionGroup='xbrldt:dimensionItem' type='xbrli:stringItemType' />
	<element id='fil_FairValueAssetsNonrecurringDomain' nillable='true' name='FairValueAssetsNonrecurringDomain' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_RealEstateOwnedMember' nillable='true' name='RealEstateOwnedMember' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_NonrecurringAssetsMeasuredAtFairValueMember' nillable='true' name='NonrecurringAssetsMeasuredAtFairValueMember' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_LoansMeasuredForImpairmentMember' nillable='true' name='LoansMeasuredForImpairmentMember' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_LoansHeldForSaleMember' nillable='true' name='LoansHeldForSaleMember' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_CarryingAmountFairValueMember' nillable='true' name='CarryingAmountFairValueMember' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_QuarterlyFinancialInformationMember' nillable='true' name='QuarterlyFinancialInformationMember' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_MortgageBackedSecuritiesDisclosure' nillable='true' name='MortgageBackedSecuritiesDisclosure' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:textBlockItemType' />
	<element id='fil_EmployeeStockOwnershipPlanDisclosure' nillable='true' name='EmployeeStockOwnershipPlanDisclosure' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:textBlockItemType' />
	<element id='fil_FairValueOfFinancialInstrumentsDisclosure' nillable='true' name='FairValueOfFinancialInstrumentsDisclosure' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:textBlockItemType' />
	<element id='fil_RestrictedAssetsPolicy' nillable='true' name='RestrictedAssetsPolicy' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:textBlockItemType' />
	<element id='fil_HeldToMaturitySecuritiesAmortizedCost' nillable='true' name='HeldToMaturitySecuritiesAmortizedCost' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_HeldToMaturitySecuritiesGrossUnrealizedGains' nillable='true' name='HeldToMaturitySecuritiesGrossUnrealizedGains' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_HeldToMaturitySecuritiesGrossUnrealizedLosses' nillable='true' name='HeldToMaturitySecuritiesGrossUnrealizedLosses' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_HeldToMaturitySecuritiesEstimatedFairValue' nillable='true' name='HeldToMaturitySecuritiesEstimatedFairValue' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_AvailableForSaleSecuritiesGrossUnrealizedGain1' nillable='true' name='AvailableForSaleSecuritiesGrossUnrealizedGain1' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_AvailableForSaleSecuritiesGrossUnrealizedLoss2' nillable='true' name='AvailableForSaleSecuritiesGrossUnrealizedLoss2' xbrli:balance='credit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_AvailableForSaleSecuritiesEstimatedFairValue' nillable='true' name='AvailableForSaleSecuritiesEstimatedFairValue' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsUnrealizedLosses' nillable='true' name='AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsUnrealizedLosses' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrMoreUnrealizedLosses' nillable='true' name='AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrMoreUnrealizedLosses' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionUnrealizedLosses' nillable='true' name='AvailableForSaleSecuritiesContinuousUnrealizedLossPositionUnrealizedLosses' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_AvailableForSaleSecuritiesDebtMaturitiesDueInOneYearOrLessAmortizedCost' nillable='true' name='AvailableForSaleSecuritiesDebtMaturitiesDueInOneYearOrLessAmortizedCost' xbrli:balance='credit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_AvailableForSaleSecuritiesDebtMaturitiesDueInOneYearOrLessFairValue' nillable='true' name='AvailableForSaleSecuritiesDebtMaturitiesDueInOneYearOrLessFairValue' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_AvailableForSaleSecuritiesDebtMaturitiesFairValue1' nillable='true' name='AvailableForSaleSecuritiesDebtMaturitiesFairValue1' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_MortgageBackedSecuritiesHeldToMaturity' nillable='true' name='MortgageBackedSecuritiesHeldToMaturity' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:textBlockItemType' />
	<element id='fil_MortgageBackedSecuritiesHeldToMaturityAmortizedCost' nillable='true' name='MortgageBackedSecuritiesHeldToMaturityAmortizedCost' xbrli:balance='credit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_MortgageBackedSecuritiesHeldToMaturityGrossUnrealizedGains' nillable='true' name='MortgageBackedSecuritiesHeldToMaturityGrossUnrealizedGains' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_MortgageBackedSecuritiesHeldToMaturityGrossUnrealizedLosses' nillable='true' name='MortgageBackedSecuritiesHeldToMaturityGrossUnrealizedLosses' xbrli:balance='credit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_MortgageBackedSecuritiesHeldToMaturityClassifiedByContractualMaturity' nillable='true' name='MortgageBackedSecuritiesHeldToMaturityClassifiedByContractualMaturity' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:textBlockItemType' />
	<element id='fil_MortgageBackedSecuritiesHeldToMaturityDueInOneYearOrLessAmortizedCost' nillable='true' name='MortgageBackedSecuritiesHeldToMaturityDueInOneYearOrLessAmortizedCost' xbrli:balance='credit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_MortgageBackedSecuritiesHeldToMaturityDueInOneYearOrLessFairValue' nillable='true' name='MortgageBackedSecuritiesHeldToMaturityDueInOneYearOrLessFairValue' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_MortgageBackedSecuritiesHeldToMaturityDueAfterOneYearThroughFiveYearsAmortizedCost' nillable='true' name='MortgageBackedSecuritiesHeldToMaturityDueAfterOneYearThroughFiveYearsAmortizedCost' xbrli:balance='credit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_MortgageBackedSecuritiesHeldToMaturityDueAfterOneYearThroughFiveYearsFairValue' nillable='true' name='MortgageBackedSecuritiesHeldToMaturityDueAfterOneYearThroughFiveYearsFairValue' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_MortgageBackedSecuritiesHeldToMaturityDueAfterFiveYearsThroughTenYearsAmortizedCost' nillable='true' name='MortgageBackedSecuritiesHeldToMaturityDueAfterFiveYearsThroughTenYearsAmortizedCost' xbrli:balance='credit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_MortgageBackedSecuritiesHeldToMaturityDueAfterFiveYearsThroughTenYearsFairValue' nillable='true' name='MortgageBackedSecuritiesHeldToMaturityDueAfterFiveYearsThroughTenYearsFairValue' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_MortgageBackedSecuritiesHeldToMaturityDueAfterTenYearsAmortizedCost' nillable='true' name='MortgageBackedSecuritiesHeldToMaturityDueAfterTenYearsAmortizedCost' xbrli:balance='credit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_MortgageBackedSecuritiesHeldToMaturityDueAfterTenYearsFairValue' nillable='true' name='MortgageBackedSecuritiesHeldToMaturityDueAfterTenYearsFairValue' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_MortgageBackedSecuritiesAvailableForSale' nillable='true' name='MortgageBackedSecuritiesAvailableForSale' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:textBlockItemType' />
	<element id='fil_MortgageBackedSecuritiesAvailableForSaleAmortizedCost' nillable='true' name='MortgageBackedSecuritiesAvailableForSaleAmortizedCost' xbrli:balance='credit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_MortgageBackedSecuritiesAvailableForSaleGrossUnrealizedGains' nillable='true' name='MortgageBackedSecuritiesAvailableForSaleGrossUnrealizedGains' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_MortgageBackedSecuritiesAvailableForSaleGrossUnrealizedLosses' nillable='true' name='MortgageBackedSecuritiesAvailableForSaleGrossUnrealizedLosses' xbrli:balance='credit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_MortgageBackedSecuritiesAvailableForSaleFairValue' nillable='true' name='MortgageBackedSecuritiesAvailableForSaleFairValue' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_MortgageBackedSecuritiesAvailableForSaleClassifiedByContractualMaturity' nillable='true' name='MortgageBackedSecuritiesAvailableForSaleClassifiedByContractualMaturity' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:textBlockItemType' />
	<element id='fil_MortgageBackedSecuritiesAvailableForSaleDueInOneYearOrLessAmortizedCost' nillable='true' name='MortgageBackedSecuritiesAvailableForSaleDueInOneYearOrLessAmortizedCost' xbrli:balance='credit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_MortgageBackedSecuritiesAvailableForSaleDueInOneYearOrLessFairValue' nillable='true' name='MortgageBackedSecuritiesAvailableForSaleDueInOneYearOrLessFairValue' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_MortgageBackedSecuritiesAvailableForSaleDueAfterOneYearThroughFiveYearsAmortizedCost' nillable='true' name='MortgageBackedSecuritiesAvailableForSaleDueAfterOneYearThroughFiveYearsAmortizedCost' xbrli:balance='credit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_MortgageBackedSecuritiesAvailableForSaleDueAfterOneYearThroughFiveYearsFairValue' nillable='true' name='MortgageBackedSecuritiesAvailableForSaleDueAfterOneYearThroughFiveYearsFairValue' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_MortgageBackedSecuritiesAvailableForSaleDueAfterFiveYearsThroughTenYearsAmortizedCost' nillable='true' name='MortgageBackedSecuritiesAvailableForSaleDueAfterFiveYearsThroughTenYearsAmortizedCost' xbrli:balance='credit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_MortgageBackedSecuritiesAvailableForSaleDueAfterFiveYearsThroughTenYearsFairValue' nillable='true' name='MortgageBackedSecuritiesAvailableForSaleDueAfterFiveYearsThroughTenYearsFairValue' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_MortgageBackedSecuritiesAvailableForSaleDueAfterTenYearsAmortizedCost' nillable='true' name='MortgageBackedSecuritiesAvailableForSaleDueAfterTenYearsAmortizedCost' xbrli:balance='credit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_MortgageBackedSecuritiesAvailableForSaleDueAfterTenYearsFairValue' nillable='true' name='MortgageBackedSecuritiesAvailableForSaleDueAfterTenYearsFairValue' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_LoansReceivable' nillable='true' name='LoansReceivable' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_RelatedPartyBalanceBeginningOfPeriod' nillable='true' name='RelatedPartyBalanceBeginningOfPeriod' xbrli:balance='debit' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_RelatedPartyBalanceEndOfPeriod' nillable='true' name='RelatedPartyBalanceEndOfPeriod' xbrli:balance='debit' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_ScheduleOfReconciliationOfTheAllowanceForLoanLosses' nillable='true' name='ScheduleOfReconciliationOfTheAllowanceForLoanLosses' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:textBlockItemType' />
	<element id='fil_ScheduleOfImpairedFinancingReceivablesTbl' nillable='true' name='ScheduleOfImpairedFinancingReceivablesTbl' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:textBlockItemType' />
	<element id='fil_FinancingReceivableAllowanceForCreditLossesEvaluatedForImpairment' nillable='true' name='FinancingReceivableAllowanceForCreditLossesEvaluatedForImpairment' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_FinancingReceivableEvaluatedForImpairment' nillable='true' name='FinancingReceivableEvaluatedForImpairment' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_ScheduleOfChangesInAllowanceForUnfundedLoanCommitments' nillable='true' name='ScheduleOfChangesInAllowanceForUnfundedLoanCommitments' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:textBlockItemType' />
	<element id='fil_UnusedCommitmentsToExtendCreditBeginningBalance' nillable='true' name='UnusedCommitmentsToExtendCreditBeginningBalance' xbrli:balance='credit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_IncreaseDecreaseInAllowanceForUnfundedLoanCommitments' nillable='true' name='IncreaseDecreaseInAllowanceForUnfundedLoanCommitments' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_UnusedCommitmentsToExtendCreditEndingBalance' nillable='true' name='UnusedCommitmentsToExtendCreditEndingBalance' xbrli:balance='credit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_FinancingReceivablesAgingOfLoans' nillable='true' name='FinancingReceivablesAgingOfLoans' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:textBlockItemType' />
	<element id='fil_FinancingReceivableRecordedInvestment30To89DaysPastDue' nillable='true' name='FinancingReceivableRecordedInvestment30To89DaysPastDue' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_WeightedAverageRiskGrade' nillable='true' name='WeightedAverageRiskGrade' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:decimalItemType' />
	<element id='fil_LoansReceivableCreditQualityClassified' nillable='true' name='LoansReceivableCreditQualityClassified' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_ImpairedFinancingReceivableAverRecordedInvestmentYearToDate' nillable='true' name='ImpairedFinancingReceivableAverRecordedInvestmentYearToDate' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_BuildingsUnderCapitalizedLeases' nillable='true' name='BuildingsUnderCapitalizedLeases' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_ScheduleOfFutureMinimumLeasePaymentsForCapitalAndOperatingLeases' nillable='true' name='ScheduleOfFutureMinimumLeasePaymentsForCapitalAndOperatingLeases' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:textBlockItemType' />
	<element id='fil_OperatingAndCapitalLeasesFutureMinimumPaymentsDueCurrent' nillable='true' name='OperatingAndCapitalLeasesFutureMinimumPaymentsDueCurrent' xbrli:balance='credit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_OperatingAndCapitalLeasesFutureMinimumPaymentsDueInTwoYears' nillable='true' name='OperatingAndCapitalLeasesFutureMinimumPaymentsDueInTwoYears' xbrli:balance='credit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_OperatingAndCapitalLeasesFutureMinimumPaymentsDueInThreeYears' nillable='true' name='OperatingAndCapitalLeasesFutureMinimumPaymentsDueInThreeYears' xbrli:balance='credit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_OperatingAndCapitalLeasesFutureMinimumPaymentsDueInFourYears' nillable='true' name='OperatingAndCapitalLeasesFutureMinimumPaymentsDueInFourYears' xbrli:balance='credit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_OperatingAndCapitalLeasesFutureMinimumPaymentsDueInFiveYears' nillable='true' name='OperatingAndCapitalLeasesFutureMinimumPaymentsDueInFiveYears' xbrli:balance='credit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_OperatingAndCapitalLeasesFutureMinimumPaymentsDueThereafter' nillable='true' name='OperatingAndCapitalLeasesFutureMinimumPaymentsDueThereafter' xbrli:balance='credit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_OperatingAndCapitalLeasesFutureMinimumPaymentsDue' nillable='true' name='OperatingAndCapitalLeasesFutureMinimumPaymentsDue' xbrli:balance='credit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_OperatingAndCapitalLeasesFutureMinimumPaymentsInterestIncludedInPayments' nillable='true' name='OperatingAndCapitalLeasesFutureMinimumPaymentsInterestIncludedInPayments' xbrli:balance='credit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_OperatingAndCapitalLeasesFutureMinimumPaymentsPresentValueOfNetMinimumPayments' nillable='true' name='OperatingAndCapitalLeasesFutureMinimumPaymentsPresentValueOfNetMinimumPayments' xbrli:balance='credit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_RealEstateOwnedNetBeginningBalance' nillable='true' name='RealEstateOwnedNetBeginningBalance' xbrli:balance='debit' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_OtherRealEstateDispositions' nillable='true' name='OtherRealEstateDispositions' xbrli:balance='debit' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_OtherRealEstateWritedowns' nillable='true' name='OtherRealEstateWritedowns' xbrli:balance='debit' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_RealEstateOwnedNetEndingBalance' nillable='true' name='RealEstateOwnedNetEndingBalance' xbrli:balance='debit' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_DepositAccountTbl' nillable='true' name='DepositAccountTbl' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:textBlockItemType' />
	<element id='fil_InterestExpenseOnDepositLiabilitiesTbl' nillable='true' name='InterestExpenseOnDepositLiabilitiesTbl' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:textBlockItemType' />
	<element id='fil_ScheduleOfTermsofTheCurrentDebentures' nillable='true' name='ScheduleOfTermsofTheCurrentDebentures' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:textBlockItemType' />
	<element id='fil_DebtInstrumentDateOfIssuance' nillable='true' name='DebtInstrumentDateOfIssuance' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='xbrli:stringItemType' />
	<element id='fil_DeferredTaxLiabilitiesFHLBStockDividend' nillable='true' name='DeferredTaxLiabilitiesFHLBStockDividend' xbrli:balance='credit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_DeferredTaxLiabilitiesPurchaseAccounting' nillable='true' name='DeferredTaxLiabilitiesPurchaseAccounting' xbrli:balance='credit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_DeferredTaxLiabilitiesLoanFeesCosts' nillable='true' name='DeferredTaxLiabilitiesLoanFeesCosts' xbrli:balance='credit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_EffectiveIncomeTaxRateReconciliationESOPMarketValueAdjustment' nillable='true' name='EffectiveIncomeTaxRateReconciliationESOPMarketValueAdjustment' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='num:percentItemType' />
	<element id='fil_EffectiveIncomeTaxRateReconciliationInterestIncomeOnMunicipalSecurities' nillable='true' name='EffectiveIncomeTaxRateReconciliationInterestIncomeOnMunicipalSecurities' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='num:percentItemType' />
	<element id='fil_EffectiveIncomeTaxRateReconciliationBankOwnedLifeInsurance' nillable='true' name='EffectiveIncomeTaxRateReconciliationBankOwnedLifeInsurance' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='num:percentItemType' />
	<element id='fil_EffectiveFederalIncomeTaxRate' nillable='true' name='EffectiveFederalIncomeTaxRate' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='num:percentItemType' />
	<element id='fil_ScheduleOfStockOptionsOutstanding' nillable='true' name='ScheduleOfStockOptionsOutstanding' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:textBlockItemType' />
	<element id='fil_EffectOfDilutiveStockOptions' nillable='true' name='EffectOfDilutiveStockOptions' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='xbrli:sharesItemType' />
	<element id='fil_WeightedAverageCommonSharesAndCommonStockEquivalents' nillable='true' name='WeightedAverageCommonSharesAndCommonStockEquivalents' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='xbrli:sharesItemType' />
	<element abstract='true' id='fil_InvestmentSecuritiesAvailableForSaleAbstract' nillable='true' name='InvestmentSecuritiesAvailableForSaleAbstract' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='xbrli:stringItemType' />
	<element abstract='true' id='fil_MortgageBackedSecuritiesAvailableForSale1Abstract' nillable='true' name='MortgageBackedSecuritiesAvailableForSale1Abstract' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='xbrli:stringItemType' />
	<element id='fil_MarketAdjustmentToAppraisals' nillable='true' name='MarketAdjustmentToAppraisals' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='num:percentItemType' />
	<element id='fil_EstimatedFairValueOfAssets' nillable='true' name='EstimatedFairValueOfAssets' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_EstimatedFairValueOfLiabilities' nillable='true' name='EstimatedFairValueOfLiabilities' xbrli:balance='credit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_ScheduleOfParentCompanyBalanceSheet' nillable='true' name='ScheduleOfParentCompanyBalanceSheet' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:textBlockItemType' />
	<element id='fil_InvestmentInSubsidiaryBank' nillable='true' name='InvestmentInSubsidiaryBank' xbrli:balance='credit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_ScheduleOfParentCompanyIncomeStatement' nillable='true' name='ScheduleOfParentCompanyIncomeStatement' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:textBlockItemType' />
	<element id='fil_InterestIncomeOnLoanReceivableFromSubsidiaryBank' nillable='true' name='InterestIncomeOnLoanReceivableFromSubsidiaryBank' xbrli:balance='debit' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_ManagementServiceFeesPaidToSubsidiaryBank' nillable='true' name='ManagementServiceFeesPaidToSubsidiaryBank' xbrli:balance='credit' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_IncomeLossBeforeIncomeTaxesAndEquityInUndistributedIncomeLossOfSubsidiaryBank' nillable='true' name='IncomeLossBeforeIncomeTaxesAndEquityInUndistributedIncomeLossOfSubsidiaryBank' xbrli:balance='credit' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_ProvisionBenefitForIncomeTaxes' nillable='true' name='ProvisionBenefitForIncomeTaxes' xbrli:balance='credit' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_ScheduleOfParentCompanyCashFlowsStatement' nillable='true' name='ScheduleOfParentCompanyCashFlowsStatement' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:textBlockItemType' />
	<element id='fil_EquityInUndistributedEarningsLossOfSubsidiaryBank' nillable='true' name='EquityInUndistributedEarningsLossOfSubsidiaryBank' xbrli:balance='debit' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_ProvisionBenefitForDeferredIncomeTaxes' nillable='true' name='ProvisionBenefitForDeferredIncomeTaxes' xbrli:balance='credit' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_WritedownOfRealEstateOwned' nillable='true' name='WritedownOfRealEstateOwned' xbrli:balance='credit' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_EarnedESOPShares' nillable='true' name='EarnedESOPShares' xbrli:balance='credit' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_StockBasedCompensation' nillable='true' name='StockBasedCompensation' xbrli:balance='credit' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element abstract='true' id='fil_ChangesInAssetsAndLiabilitiesAbstract' nillable='true' name='ChangesInAssetsAndLiabilitiesAbstract' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='xbrli:stringItemType' />
	<element id='fil_AccruedExpensesAndOtherLiabilities' nillable='true' name='AccruedExpensesAndOtherLiabilities' xbrli:balance='credit' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_AdditionalInvestmentInSubsidiary' nillable='true' name='AdditionalInvestmentInSubsidiary' xbrli:balance='credit' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_ProvisionForRecaptureOfLoanLosses' nillable='true' name='ProvisionForRecaptureOfLoanLosses' xbrli:balance='credit' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_StockOptionsOutstandingMember' nillable='true' name='StockOptionsOutstandingMember' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_RangeOfExercisePrice197617Member' nillable='true' name='RangeOfExercisePrice197617Member' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_RangeOfExercisePrice749951Member' nillable='true' name='RangeOfExercisePrice749951Member' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_RangeOfExercisePrice10101083Member' nillable='true' name='RangeOfExercisePrice10101083Member' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_RangeOfExercisePrice12981452Member' nillable='true' name='RangeOfExercisePrice12981452Member' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_RangeOfExercisePriceMember' nillable='true' name='RangeOfExercisePriceMember' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:domainItemType' />
	<element id='fil_MortgageBackedSecuritiesHeldToMaturityEstimatedFairValue' nillable='true' name='MortgageBackedSecuritiesHeldToMaturityEstimatedFairValue' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_WeightedAverageRateDomesticNonInteresstBearingDeposits' nillable='true' name='WeightedAverageRateDomesticNonInteresstBearingDeposits' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='num:percentItemType' />
	<element id='fil_OutstandingCommitmentsToExtendCredit' nillable='true' name='OutstandingCommitmentsToExtendCredit' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_UnusedLinesOfCredit' nillable='true' name='UnusedLinesOfCredit' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_UndisbursedConstructionLoans' nillable='true' name='UndisbursedConstructionLoans' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_StandbyLettersOfCredit' nillable='true' name='StandbyLettersOfCredit' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_InvestmentSecuritiesPledgedAsCollateralPolicy' nillable='true' name='InvestmentSecuritiesPledgedAsCollateralPolicy' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:textBlockItemType' />
	<element id='fil_MortgageBackedSecuritiesPledgedAsCollateral' nillable='true' name='MortgageBackedSecuritiesPledgedAsCollateral' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:textBlockItemType' />
	<element id='fil_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingWeightedAverageRemainingContractualTerm1' nillable='true' name='ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingWeightedAverageRemainingContractualTerm1' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='xbrli:decimalItemType' />
	<element id='fil_InvestmentSecuritiesPledgedAsCollateralAmortizedCost' nillable='true' name='InvestmentSecuritiesPledgedAsCollateralAmortizedCost' xbrli:balance='credit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_InvestmentSecuritiesPledgedAsCollateralFairValue' nillable='true' name='InvestmentSecuritiesPledgedAsCollateralFairValue' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_MortgageBackedSecuritiesPledgedAsCollateralAmortizedCost' nillable='true' name='MortgageBackedSecuritiesPledgedAsCollateralAmortizedCost' xbrli:balance='credit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_MortgageBackedSecuritiesPledgedAsCollateralFairValue' nillable='true' name='MortgageBackedSecuritiesPledgedAsCollateralFairValue' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_MortgageBackedSecuritiesAvailableForSalePledgedAsCollateralPolicy' nillable='true' name='MortgageBackedSecuritiesAvailableForSalePledgedAsCollateralPolicy' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:textBlockItemType' />
	<element id='fil_RealEstateOwnedPolicy' nillable='true' name='RealEstateOwnedPolicy' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='nonnum:textBlockItemType' />
	<element id='fil_MortgageBackedSecuritiesAvailableForSalePledgedAsCollateralAmortizedCost' nillable='true' name='MortgageBackedSecuritiesAvailableForSalePledgedAsCollateralAmortizedCost' xbrli:balance='credit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_MortgageBackedSecuritiesAvailableForSalePledgedAsCollateralFairValue' nillable='true' name='MortgageBackedSecuritiesAvailableForSalePledgedAsCollateralFairValue' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_LoansReceivableAllowanceForLoanLosses' nillable='true' name='LoansReceivableAllowanceForLoanLosses' xbrli:balance='credit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_IncreaseDecreaseInAdvancePaymentsByBorrowersNet' nillable='true' name='IncreaseDecreaseInAdvancePaymentsByBorrowersNet' xbrli:balance='debit' xbrli:periodType='duration' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_DeferredTaxAssetsAccumulatedDepreciation' nillable='true' name='DeferredTaxAssetsAccumulatedDepreciation' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_DeferredTaxAssetsRealEstateOwnedExpense' nillable='true' name='DeferredTaxAssetsRealEstateOwnedExpense' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_DeferredTaxAssetsNonCompeteAgreement' nillable='true' name='DeferredTaxAssetsNonCompeteAgreement' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_ShareBasedCompensationArrangementByShareBasedPaymentAwardExpectedTermInYears' nillable='true' name='ShareBasedCompensationArrangementByShareBasedPaymentAwardExpectedTermInYears' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:pureItemType' />
	<element id='fil_NumeratorNetIncomeLossBasic' nillable='true' name='NumeratorNetIncomeLossBasic' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_DenominatorWeightedAverageCommonSharesOutstandingBasic' nillable='true' name='DenominatorWeightedAverageCommonSharesOutstandingBasic' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:sharesItemType' />
	<element id='fil_NumeratorNetIncomeLossDiluted' nillable='true' name='NumeratorNetIncomeLossDiluted' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
	<element id='fil_DenominatorWeightedAverageCommonSharesOutstandingDiluted' nillable='true' name='DenominatorWeightedAverageCommonSharesOutstandingDiluted' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:sharesItemType' />
	<element id='fil_ParentCompanyShareholdersEquity' nillable='true' name='ParentCompanyShareholdersEquity' xbrli:balance='debit' xbrli:periodType='instant' substitutionGroup='xbrli:item' type='xbrli:monetaryItemType' />
</schema>
