Form 8-K July 02

Washington, D.C. 20549


Current Report Pursuant
to Section 13 or 15(d) of the
Securities Exchange Act of 1934

Date of Report : July 1, 2002

Commission file number: 0-10140

CVB Financial Corp.
Incorporated pursuant to the Laws of California

Internal Revenue Service - Employer Identification No.- 95-3629339

701 North Haven Avenue, Ontario, California 91764
(909) 980-4030

Item 1.      Changes in Control of Registrant
       Not Applicable
Item 2.      Acquisition or Disposition of Assets
       Not Applicable
Item 3.      Bankruptcy or Receivership
       Not Applicable
Item 4.      Changes in Registrant's Certifying Accountant
       Not Applicable
Item 5.      Other Events

          On June 28, 2002, Citizens Business Bank completed the acquisition of Western Security Bank, National Association.

          Citizens Business Bank paid approximately $6.23 million in cash to Western Security Bancorp for the stock of Western Security Bank, which was then immediately merged into Citizens Business Bank. At June 28, 2002, Western Security Bank had total assets of $146.1 million, including $95.4 million in total loans, and total deposits of $138.6 million. With the addition of Western Security Bank's branch location, Citizens Business Bank now has 32 business financial centers in California.

          A copy of the press release announcing the acquisition is attached hereto as Exhibit 99.1

Item 6.      Resignations of Registrant's Directors
       Not Applicable
Item 7.      Financial Statements, Pro Forma Financial Information and Exhibits.
       (a)          Financial Statements
                      Not Applicable
       (b)          Pro Forma Financial Information
                      Not Applicable
       (c)          Exhibits
                      99.1      Press Release announcing the acquisition
Item 8.      Change in Fiscal Year
       Not Applicable
Item 9.      Regulation FD Disclosure
       Not Applicable


          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.

  CVB Financial Corp.
Date: July 5, 2002 By: /s/ D. Linn Wiley
            D. Linn Wiley
            President and Chief Executive Officer

Exhibit Index

99.1 Press Release announcing the acquisition