FORM 4
[ ] Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).         
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES
                                                                                  
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Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934 or Section 30(h) of the Investment Company Act of 1940
                      

1. Name and Address of Reporting Person *

ROSE JOHN W 		2. Issuer Name and Ticker or Trading Symbol

White River Capital Inc [ RVR ] 		5. Relationship of Reporting Person(s) to Issuer (Check all applicable)

__ X __ Director                      _____ 10% Owner
_____ Officer (give title below)      _____ Other (specify below)
(Last)          (First)          (Middle)

511 ANDERWOOD DRIVE 		3. Date of Earliest Transaction (MM/DD/YYYY)

1/4/2013
(Street)

HERMITAGE, PA 16148
(City)        (State)        (Zip)
4. If Amendment, Date Original Filed (MM/DD/YYYY)

 
6. Individual or Joint/Group Filing (Check Applicable Line)

_ X _ Form filed by One Reporting Person
___ Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1.Title of Security
(Instr. 3) 		2. Trans. Date 2A. Deemed Execution Date, if any 3. Trans. Code
(Instr. 8) 		4. Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4 and 5) 		5. Amount of Securities Beneficially Owned Following Reported Transaction(s)
(Instr. 3 and 4) 		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4)
Code V Amount (A) or (D) Price
Common Stock   12/31/2012     G    35000   (1) D $0   135953   D  
 
Common Stock   1/4/2013     A    909   (2) A $0   136862   D  
 
Common Stock   12/31/2012     G    35000   (1) A $0   35000   I   Holdings of Rose/Harnett Family Foundation with the Shenango Valley Foundation   (1)

Table II - Derivative Securities Beneficially Owned ( e.g. , puts, calls, warrants, options, convertible securities)
1. Title of Derivate Security
(Instr. 3) 		2. Conversion or Exercise Price of Derivative Security 3. Trans. Date 3A. Deemed Execution Date, if any 4. Trans. Code
(Instr. 8) 		5. Number of Derivative Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4 and 5) 		6. Date Exercisable and Expiration Date 7. Title and Amount of Securities Underlying Derivative Security
(Instr. 3 and 4) 		8. Price of Derivative Security
(Instr. 5) 		9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4) 10. Ownership Form of Derivative Security: Direct (D) or Indirect (I) (Instr. 4) 11. Nature of Indirect Beneficial Ownership (Instr. 4)
Code V (A) (D) Date Exercisable Expiration Date Title Amount or Number of Shares

Explanation of Responses:
( 1)  Transfer to the Rose/Harnett Family Foundation with the Shenango Valley Foundation, an affiliate of the Community Foundation of Western PA and Eastern OH (the "Foundation"). The Foundation has agreed to cause such shares to be voted at any meeting of the shareholders of White River Capital, Inc. ("White River") occurring in the six months after the date of transfer in the manner consistent with the recommendation of White River's board of directors. Accordingly, the reported shares owned by the Foundation may be regarded as being beneficially owned by Mr. Rose.
( 2)  Shares of restricted stock granted pursuant to the White River Capital, Inc. 2005 Stock Incentive Plan. The granted stock will vest in one installment, in full, upon the earlier to occur of: (i) the closing date of the previously announced merger between White River Capital, Inc. and Coastal Credit Merger Sub, Inc. (the "Merger"); or (ii) the second business day following the "Determination Date" as defined in the White River Capital, Inc. Directors Stock Compensation Plan, amended as of May 6, 2010. If the closing date of the Merger does not occur prior to the Determination Date, additional shares will be granted to or forfeited by the filing person such that the total number of shares of granted stock equals the quotient obtained by dividing $20,000 by the fair market value of one share of White River Capital, Inc. common stock on the Determination Date.

Reporting Owners
Reporting Owner Name / Address
Relationships
Director 10% Owner Officer Other
ROSE JOHN W
511 ANDERWOOD DRIVE
HERMITAGE, PA 16148 		X



Signatures
/s/ Martin J. Szumski as attorney-in-fact for John W. Rose 1/8/2013
** Signature of Reporting Person Date


Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4(b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB control number.
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