Washington, D.C.  20549


                                 FORM 8-K

                              CURRENT REPORT
                  Pursuant to Section 13 or 15(d) of the
                      Securities Exchange Act of 1934


             Date of Report (Date of earliest event reported):
                               July 8, 1994

                            CVB Financial Corp.
          (Exact name of registrant as specified in its charter)

              (State or other jurisdiction of incorporation)

                         (Commission File Number)

                     (IRS Employer Identification No.)

     701 North Haven Avenue, Suite 350, Ontario, California 91764
            (Address of principal executive offices)(Zip Code)

            Registrant's telephone number, including area code:
                              (909) 980-4030

                              Not Applicable
    (Former name or former address, if changed since last report)


                   EXHIBIT INDEX ON PAGE 3

Item 1. Changes in Control of Registrant. None. Item 2. Acquisition or Disposition of Assets. None. Item 3. Bankruptcy or Receivership. None. Item 4. Changes in Registrant's Certifying Accountant. None. Item 5. Other Events. On July 8, 1994, Chino Valley Bank (the "Bank"), a wholly-owned subsidiary of CVB Financial Corp. (the "Company"), entered into an Insured Deposit Purchase and Assumption Agreement (the "Agreement") with the Federal Deposit Insurance Corporation ("FDIC") in its capacity as receiver for Pioneer Bank, Fullerton, California ("Pioneer"). Pursuant to the Agreement, the Bank assumed an aggregate of approximately $59.0 million in deposits of the former Pioneer Bank. The Bank acquired certain assets of Pioneer Bank that included approximately $1.5 million in loans, $3.0 million in federal funds sold and $5.2 million in investment securities. The Bank received from the FDIC approximately $48.5 million in cash. The Bank has agreed to provide full service banking in the trade area of Pioneer Bank and is currently occupying Pioneer's branch office with an option to lease this facility. In addition, the Bank has the option to purchase from the FDIC certain loans and other assets of the former Pioneer Bank. It is the intention of the Bank to operate this office as its nineteenth branch. Item 6. Resignations of Registrant's Directors. None. Item 7. Financial Statements and Exhibits. (a) Financial Statements of Business Acquired None (b) Pro Forma Financial Information. None (c) Exhibits. None

SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has dully caused this report to be signed on its behalf by the undersigned thereunto duly authorized. CVB FINANCIAL CORP. ------------------- (Registrant) Date: July 21, 1994 /s/ Robert J. Schurheck ----------------------- Robert J. Schurheck Chief Financial Officer