Summary of RIVER VALLEY BANCORP

Change in Directors or Principal Officers, Financial Statements and Exhibits

Item 5.02 Departure of Directors or Certain Officers; Election of
Directors;ppointment of Certain Officers; Compensatory Arrangements of Certain Officers.

On December 11, 2012, the Board of Directors of River Valley Financial Bank (the "Bank" adopted the 2013 River Valley Financial Bank Incentive Plan (the "Plan"). The Plan provides target incentive awards for the Bank's Chief Executive Officer, Executive Vice President, Senior Officers, Vice Presidents, Internal Auditor, Compliance Officer, Executive Administrative Assistant, Loan Officers and Wealth Management Officers.

Under the Plan, incentive payments based on a percentage of an employee's base salary will be made based on achievement of threshold, targeted or maximum expected performance goals in several areas:

       Total              price appreciation of common stock of River Valley
       Shareholder        Bancorp ("Common Stock") during 2013 plus the annualized
       Return -           dividend rate paid on the Common Stock.

       Loan Portfolio     net growth in the loan portfolio during 2013.
       Growth -

       Profitability

       Non-Performing     loans delinquent more than 90 days and other real estate
       Assets -           owned.

Charge-Offs

Determination of the annual incentives will generally be based on overall Bank performance and departmental and/or individual criteria. Wealth management officers have a defined monetary goal based upon dollar values of production.

For the Bank's Chief Executive Officer ("CEO") and Executive Vice President ("EVP"), the target incentive payment will be 15% of base salary and the maximum incentive payment will be 30% of base salary. Fifty percent of the award will be based on Total Shareholder Return, the greater of 25% on Profitability or Loan Portfolio Growth (having an average risk weighting of 3.8), and 25% on Asset Quality Targets. The Asset Quality Target will be based 50% on Non-Performing Assets and 50% on Charge-Offs.

The goals for the CEO and the EVP are the following:

       Total              threshold - 8%; target - 12%; maximum - 16%.
       Shareholder
       Return:

       Loan Portfolio     threshold - 3%; target 6%; maximum 9%.
       Growth:

       Profitability:     threshold - $4.0 million; target - $4.5 million; maximum
                          $5.1 million.

       Non-Performing     threshold - 4.2%; target - 3.6%; maximum - 3.0%
       Assets as a
       percentage of
       total assets:

       Charge-Offs (as    threshold - < .80; target - < .60; maximum - < .50
       a percentage of

Loan portfolio):

Targets are also established in the Plan for non-executive officers who participate in the Plan.

Awards are earned as of December 31, 2013 and will be forfeited if employment is terminated prior to that time. Seventy-five percent of the 2013 awards will be paid on January 31, 2014, and 25% will be paid, with interest, one year later. The Board may recapture the 25% or the awards previously paid if it is determined that the awards were based on materially misstated financial information.

The Board of Directors of the Bank may amend and terminate the Plan and awards as it deems appropriate.

The summary above is qualified by reference to the complete Plan, a copy of which is attached as Exhibit 10.1 to this Current Report on Form 8-K and incorporated herein by reference.