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SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of
The Securities Exchange Act of 1934
Date of Report (Date of earliest event reported) May 1, 1998
MAIN STREET BANCORP, INC.
(Exact name of registrant as specified in its charter)
Pennsylvania 23-2444807
(State or other jurisdiction (Commission (IRS Employer
of incorporation) File Number) Ident. No.)
400 Washington Street, Reading, Pennsylvania 19601
(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code (610) 376-5933
N/A
(Former name or former address, if changed since last report.)
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ITEM 2.
On May 1, 1998, pursuant to the Agreement and Plan of
Consolidation (the "Agreement") dated as of November 18, 1997, by
and between BCB Financial Services Corporation ("BCB") and
Heritage Bancorp, Inc. ("Heritage"), Main Street Bancorp, Inc.
(the "Company"), a Pennsylvania corporation, was formed upon
completion of the consolidation of BCB and Heritage and each
outstanding share of common stock of BCB and Heritage was
converted into 1.3335 shares and 1.05 shares of the Company's
common stock, respectively. At December 31, 1997, BCB and its
subsidiaries had total consolidated assets, deposits, net loans
and shareholders' equity of approximately $447.6 million, $360.6
million, $246.2 million and $44.1 million, respectively. Also at
December 31, 1997, Heritage and its subsidiaries had total
consolidated assets, deposits, net loans and shareholder equity
of approximately $336.3 million, $266.3 million, $231.6 million
and $44.6 million, respectively
ITEM 7.
To be filed by amendment not later than July 14, 1998
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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.
MAIN STREET BANCORP, INC.
Dated: May 15, 1998
By/s/Nelson R. Oswald
Nelson R. Oswald
Chairman and
Chief Executive Officer
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EXHIBIT INDEX
Exhibit Number
23.1* Consent of Beard & Company, Inc.
27.1* Financial Data Schedule
99.1* Financial Statements
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* To be filed by amendment.
