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):
                                November 3, 1999

                               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)

                     This report includes a total of 4 pages
                             Exhibit Index on page 2

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 October 4, 1999, Orange National Bancorp merged with and into CVB Financial Corp. The financial statement attached hereto sets forth the results of operations for the first 30 days of post-merger operations. The merger was accounted for under the pooling of interests method of accounting treatment. One time acquisition costs of $4.9 million were recognized in October 1999. Item 6. Resignations of Registrant's Directors. None. Item 7. Financial Statements and Exhibits. (a) Financial Statements of Business Acquired. (b) Pro forma financial information (c) Exhibits Page 99.1 Consolidated Statement of Earnings 4 2

Item 8. Change in Fiscal Year. None. Item 9. Sales of Equity Securities Pursuant to Regulation S. 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: November 9, 1999 /s/ Edward J. Biebrich, Jr. --------------------------- Edward J. Biebrich, Jr. Chief Financial Officer 3

EXHIBIT 99.1 CVB FINANCIAL CORP. AND SUBSIDIARIES CONSOLIDATED STATEMENT OF EARNINGS (unaudited) dollar amounts in thousands October 4, 1999 through November 3, 1999 -------------------- Interest income: Loans, including fees $ 6,611 Investment securities: Taxable 3,770 Tax-advantaged 493 -------------------- 4,263 Federal funds sold and interest bearing deposits with other financial institutions 53 -------------------- 10,927 Interest expense: Deposits 2,304 Other borrowings 1,015 -------------------- 3,319 -------------------- Net interest income 7,608 Provision for credit losses 300 -------------------- Net interest income after provision for credit losses 7,308 Other operating income: Service charges on deposit accounts 873 Trust services 377 Other 198 -------------------- 1,448 Other operating expenses: Salaries and employee benefits 2,353 Deposit insurance premiums 14 Occupancy 176 Equipment 479 Other 1,112 Acquisition costs 4,856 -------------------- 8,990 -------------------- Loss before income taxes (234) Tax benefit (98) -------------------- Net loss $ (136) ==================== The statement of earnings sets forth the results of operations for the first 30 days of post-merger operations. One time merger acquisition costs of $4.9 million were recognized in October 1999. 4