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                       SECURITIES AND EXCHANGE COMMISSION

                             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)
                                 April 13, 2004

                            -----------------------

                             First Financial Bancorp
             (Exact name of registrant as specified in its charter)

          California                                     94-2822858
(State or other jurisdiction of             (IRS Employer Identification Number)
Incorporation or organization)

                                     0-12499
                              (Commission File No.)

           701 South Ham Lane
            Lodi, California                                95242
(Address of principal executive offices)                 (Zip code)

                                 (209) 367-2000
              (Registrant's telephone number, including area code)

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


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Item 7.  Financial Statements and Exhibits

         (c)      Exhibits

         Exhibit No.       Description
         -----------       -----------

         99.1              Press release issued by First Financial Bancorp on
                           April 13, 2004, furnished in accordance with Item 12
                           of this Current Report on Form 8-K

Item 9.  Regulation FD disclosure

         The following information is furnished under this Item 9 in
satisfaction of Item 12, "Disclosure of Results of Operations and Financial
Condition."

         On April 13, 2004 First Financial Bancorp announced its earnings for
the first quarter for the 2004 fiscal year. A copy of the press release dated
April 13, 2004, is attached as Exhibit 99.1.

         This information is being furnished pursuant to Item 12 of Form 8-K and
is being presented under Item 9 as provided in the Commission's interim guidance
regarding Form 8-K Item 12 filing requirements (Release No. 34-47583).



                                   SIGNATURES

         Pursuant to the requirements of the Securities Exchange Act of 1934,
the registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

                                                    First Financial Bancorp


                                                    By: /s/ Allen R. Christenson
                                                    ----------------------------
                                                    Allen R. Christenson
                                                    Senior Vice President
                                                    Chief Financial Officer

Date: April 13, 2004



                                  EXHIBIT INDEX

Exhibit           Description
-------           -----------

  99.1            Press Release dated April 13, 2004