HUBCO INC
8-K, 1997-02-21
STATE COMMERCIAL BANKS
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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)- January 31, 1997


                                   HUBCO, INC.
               (Exact Name of Registrant as Specified in Charter)


                                   New Jersey
                  State or Other Jurisdiction of Incorporation)

       1-10699                                 22-2405746
(Commission File Number)            (IRS Employer Identification No.)

               1000 MacArthur Boulevard, Mahwah, New Jersey 07430
                    (Address of Principal Executive Offices)

                                 (201) 236-2630
                         (Registrant's Telephone Number)


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<PAGE>


Item 5.  Other Events.

         HUBCO,   Inc.  (the  "Company")   acquired   Westport   Bancorp,   Inc.
("Westport")  effective December 13, 1996. The Company is required to report the
consolidated  results  of  operations  for  the  30  day  period  following  the
acquisition  to terminate the  prohibition  on sales or transfers by affiliates.
This report on Form 8-K is designed  solely to present  the  combined  financial
results for the Comany and its subsidiaries,  including Westport,  for the month
ended  January 31, 1997.  These  results are not  necessarily  indicative of the
results which the Company may report for the quarter ending March 31, 1997.

         The sole  purpose  of  these  financial  statements  is to  report  the
combined  results of  operations  for the one month  period.  They should not be
relied upon for any other purpose.

                                    For the One Month
                                    Period Ended
                                    January 31, 1997
                                    (in thousands)


Income Before Income Taxes          $5,032
Income Taxes                        $1,974
                                    ------

Net Income                          $3,058
                                    ======

<PAGE>



                                   SIGNATURES

         Pursuant to the  requirements  of the Securities  Exchange Act of 1934,
the  registration  has duly caused this report to be signed on its behalf by the
undersigned thereto duly authorized.

                                         HUBCO, INC.


Dated: February 20, 1997            By: D.LYNN VAN BORKULO-NUZZO /S/
                                        ----------------------------
                                        D. Lynn Van Borkulo-Nuzzo
                                        Executive Vice President



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