SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549
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FORM 10-Q/A
Amendment No. 2
(MARK ONE)
_X_ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
EXCHANGE ACT OF 1934
For the quarterly period ended September 30, 1994
OR
__ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
EXCHANGE ACT OF 1934
For the transition period from_________________ to_________________
Commission File Number 0-010699
HUBCO, INC.
(EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER)
New Jersey 22-2405746
(STATE OF OTHER JURISDICTION OF (I.R.S. EMPLOYER
INCORPORATION OR ORGANIZATION) IDENTIFICATION NUMBER)
3100 Bergenline Avenue
Union City, New Jersey 07087
------------------------------------- ----------
(ADDRESS OF PRINCIPAL EXECUTIVE OFFICE) (ZIP CODE)
(201)-348-2300
(REGISTRANT'S TELEPHONE NUMBER, INCLUDING AREA CODE)
Not Applicable
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FORMER NAME, FORMER ADDRESS, AND FORMAL FISCAL YEAR,
IF CHANGED SINCE LAST REPORT.
Indicate by check mark whether the registrant (1) has filed all reports required
to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during
the preceding 12 months (or for such shorter period that the registrant was
required to file such reports), and (2) has been subject to such filing
requirements for the past 90 days Yes_X_ No___
APPLICABLE ONLY TO CORPORATE ISSUERS:
Indicate the number of shares outstanding of each of the issuer's classes of
common stock, as of the last practicable date:
6,501,536 shares, no par value, outstanding as of November 10, 1994
<PAGE>
Pg. 20
SIGNATURES
Pursuant to the requirements of the Securities and Exchange Act of 1934,
the registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.
HUBCO, Inc.
December 20, 1994 KENNETH T. NEILSON
----------------- ------------------------------------
Date Kenneth T. Neilson
President & Chief Executive Officer
December 20, 1994 EUGENE V. MALINOWSKI
----------------- ------------------------------------
Date Eugene V. Malinowski
Chief Financial Officer
<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-1994
<PERIOD-END> SEP-30-1994
<CASH> 56,434
<INT-BEARING-DEPOSITS> 1,024,171
<FED-FUNDS-SOLD> 10,845
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 48,254
<INVESTMENTS-CARRYING> 576,688
<INVESTMENTS-MARKET> 564,150
<LOANS> 666,360
<ALLOWANCE> 14,310
<TOTAL-ASSETS> 1,406,812
<DEPOSITS> 1,236,109
<SHORT-TERM> 40,271
<LIABILITIES-OTHER> 6,771
<LONG-TERM> 25,000
<COMMON> 18,492
0
19,147
<OTHER-SE> 61,022
<TOTAL-LIABILITIES-AND-EQUITY> 1,406,812
<INTEREST-LOAN> 35,328
<INTEREST-INVEST> 23,847
<INTEREST-OTHER> 7,392
<INTEREST-TOTAL> 59,541
<INTEREST-DEPOSIT> 16,690
<INTEREST-EXPENSE> 18,355
<INTEREST-INCOME-NET> 41,186
<LOAN-LOSSES> 1,950
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 26,962
<INCOME-PRETAX> 19,666
<INCOME-PRE-EXTRAORDINARY> 19,666
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 12,231
<EPS-PRIMARY> 1.84
<EPS-DILUTED> 1.81
<YIELD-ACTUAL> 5.00
<LOANS-NON> 13,643
<LOANS-PAST> 2,520
<LOANS-TROUBLED> 540
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 10,811
<CHARGE-OFFS> 2,332
<RECOVERIES> 362
<ALLOWANCE-CLOSE> 14,310
<ALLOWANCE-DOMESTIC> 9,839
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 4,471
</TABLE>
