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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities and Exchange Act of 1934

Date of Report: July 17, 2008
(Date of earliest event reported)

Umpqua Holdings Corporation
(Exact Name of Registrant as Specified in Its Charter)

OREGON    000-25597    93-1261319 
(State or Other Jurisdiction of    (Commission File    (I.R.S. Employer 
Incorporation or Organization)    Number)    Identification Number) 

                                             One SW Columbia Street, Suite 1200
                                                         Portland, Oregon 97258
                           (address of Principal Executive Offices)(Zip Code)

                                                                      (503) 727-4100
                          (Registrant's Telephone Number, Including Area Code)


Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy
the filing obligation of the registrant under any of the following provisions:

[ ]    Written communications pursuant to Rule 425 under the Securities Act (17 CFR 
    230.425) 
 
[ ]    Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 
    240.14a-12) 
 
[ ]    Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange 
    Act (17 CFR 240.14d-2(b)) 
 
[ ]    Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange 
    Act (17 CFR 240.13e-4(c)) 

Item 2.02      Results of Operations and Financial Condition.

On July 17, 2008, Umpqua Holding Corporation issued a press release announcing second quarter 2008 financial results. A copy of the press release is attached as Exhibit 99.1.

Item 9.01      Financial Statements and Exhibits.

(a)    Not applicable. 
(b)    Not applicable. 
(c)    Not applicable. 
(d)    Exhibits. 
                       99.1 Earnings Press Release 

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.

 

UMPQUA HOLDINGS CORPORATION
(Registrant)

 

Dated: July 17, 2008

By: /s/ Kenneth E. Roberts
Kenneth E. Roberts
Assistant Secretary