HUBCO INC
8-K, 1998-03-20
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)- February 28, 1998


                                   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 The Bank of Southington  ("TBOS")
effective  January 8, 1998.  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  TBOS, for the month ended February 28,
1998.  These  results are not  necessarily  indicative  of the results which the
Company may report for the quarter ending March 31, 1998.

         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
                                February 28, 1998
                                 (in thousands)


Income Before Income Taxes          $ 4,796
Income Taxes                        $ 1,933
                                    -------

Net Income                          $ 2,863
                                    =======

<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: March 20, 1998               By: D.LYNN VAN BORKULO-NUZZO 
                                        ----------------------------
                                        D. Lynn Van Borkulo-Nuzzo
                                        Executive Vice President



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