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

SCHEDULE 13G

Under the Securities Exchange Act of 1934
(Amendment No. )*

Valrico Bancorp, Inc.

(Name of Issuer)

Common Stock

(Title of Class of Securities)

920348109

(CUSIP Number)

July 14, 2003

(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

o Rule 13d-1 (b)

x Rule 13d-1 (c)

o Rule 13d-1 (d)

*The remainder of this cover page shall be filled out for a reporting person’s initial filing on this form with respect to the subject class of securities, and for any subsequent amendment containing information which would alter the disclosures provided in a prior cover page.

The information required in the remainder of this cover page shall not be deemed to be “filed” for the purpose of Section 18 of the Securities Exchange Act of 1934 or otherwise subject to the liabilities of that section of the Act but shall be subject to all other provisions of the Act (however, see the notes).


13G
CUSIP No. 920348109

	1.	Name of Reporting Person: Gregory L. Henderson			I.R.S. Identification Nos. of above persons (entities only):

	2.	Check the Appropriate Box if a Member of a Group:

		Not applicable.

		(a)	o
		(b)	o

	3.	SEC Use Only:

	4.	Citizenship or Place of Organization: U.S.A.

Number of Shares Beneficially Owned by Each Reporting Person With
			5.	Sole Voting Power: 25,203

			6.	Shared Voting Power: 0

			7.	Sole Dispositive Power: 25,203

			8.	Shared Dispositive Power: 0

	9.	Aggregate Amount Beneficially Owned by Each Reporting Person: 25,203

	10.	Check if the Aggregate Amount in Row (9) Excludes Certain Shares: o

	11.	Percent of Class Represented by Amount in Row (9): 7.79%

	12.	Type of Reporting Person: IN


Item 1.

	(a)	Name of Issuer: Valrico Bancorp, Inc

	(b)	Address of Issuer’s Principal Executive Offices
		1815 East State Road 60, Valrico, Florida 33594

Item 2.

	(a)	Name of Person Filing:
		Gregory L. Henderson

	(b)	Address of Principal Business Office or, if none, Residence
		2901 Brucken Road
		Valrico, Florida 33594

	(c)	Citizenship: U.S.A.

	(d)	Title of Class of Securities: Common Stock

	(e)	CUSIP Number: 920348109


Item 3.	If this statement is filed pursuant to §§240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:

	(a)	[ ]	Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o).

	(b)	[ ]	Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c).

	(c)	[ ]	Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c).

	(d)	[ ]	Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C 80a-8).

	(e)	[ ]	An investment adviser in accordance with §240.13d-1(b)(1)(ii)( E);

	(f)	[ ]	An employee benefit plan or endowment fund in accordance with §240.13d-1(b)(1)(ii)( F);

	(g)	[ ]	A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);

	(h)	[ ]	A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);

	(i)	[ ]	A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);

	(j)	[ ]	Group, in accordance with §240.13d-1(b)(1)(ii)(J).


Item 4.		Ownership

Provide the following information regarding the aggregate number and percentage of the class of securities of the issuer identified in Item 1.


(a)	Amount beneficially owned:
	25,203

(b)	Percent of class:
	7.79

(c)	Number of shares as to which the person has:

	(i)	Sole power to vote or to direct the vote 25,203

	(ii)	Shared power to vote or to direct the vote 0

	(iii)	Sole power to dispose or to direct the disposition of 25,203

	(iv)	Shared power to dispose or to direct the disposition of 0

Instruction. For computations regarding securities which represent a right to acquire an underlying security see §240.13d3(d)(1).


Item 5.		Ownership of Five Percent or Less of a Class — *Not applicable*

Item 6.		Ownership of More than Five Percent on Behalf of Another Person — *Not Applicable*

Item 7.		Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on By the Parent Holding Company — *Not Applicable*

Item 8.		Identification and Classification of Members of the Group — *Not Applicable*

Item 9.		Notice of Dissolution of Group — *Not Applicable*

Item 10.		Certification

By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.


		July 14 , 2003

		Date

		*/s/ Gregory L. Henderson*

		Signature

		Gregory L. Henderson

		Name/Title

VALRICO BANCORP INC SC 13G