HUDSON UNITED BANCORP
NT 11-K, 1999-06-30
STATE COMMERCIAL BANKS
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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                   FORM 12b-25

                           NOTIFICATION OF LATE FILING

(Check One):
          [ ] Form 10-K [ ] Form 20-F [X] Form 11-K [ ] Form 10-Q [ ] Form N-SAR

                  For Period Ended:  December 31, 1998
                  [ ] Transition Report on Form 10-K
                  [ ] Transition Report on Form 20-F
                  [ ] Transition Report on Form 11-K
                  [ ] Transition Report on Form 10-Q
                  [ ] Transition Report on Form N-SAR
                  For the Transition Period Ended:------------------------------


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  Read Instruction (on back page) Before Preparing Form. Please Print or Type.

    Nothing in this form shall be construed to imply that the Commission has
                   verified any information contained herein.


If the notification  relates to a portion of the filing checked above,  identify
the Item(s) to which the notification relates:

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PART I - REGISTRANT INFORMATION

HUBCO, Inc. and Subsidiaries Savings and Investment Plan
for Bargaining Unit Employees
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 Full Name of Registrant


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 Former Name if Applicable

1000 MacArthur Boulevard
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 Address of Principal Executive Office (Street and Number)

Mahwah, New Jersey 07430
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 City, State and Zip Code

PART II - RULES 12b-25(b) AND (c)

If the subject report could not be filed without  unreasonable effort or expense
and the registrant seeks relief pursuant to Rule 12b-25(b), the following should
be completed. (Check box if appropriate)

   [X ]  (a)      The reasons described in reasonable detail in Part III of this
                  form could not be eliminated  without  unreasonable  effort or
                  expense;

   [X ]  (b)      The subject  annual  report,  semi-annual  report,  transition
                  report on Form 10-K, Form 20-F, 11-K or Form N-SAR, or portion
                  thereof, will be filed on or before the fifteenth calendar day
                  following the  prescribed  due date; or the subject  quarterly
                  report of transition  report on Form 10-Q, or portion  thereof
                  will be filed on or before the fifth  calendar  day  following
                  the prescribed due date; and

   [X ]  (c)      The accountant's statement or other exhibit required by Rule
                  12b-25(c) has been attached if applicable.


PART III - NARRATIVE

State below in reasonable  detail the reasons why Forms 10-K,  20-F, 11-K, 10-Q,
N-SAR or the transition report or portion thereof, could not be filed within the
prescribed time period.

The HUBCO, Inc. and Subsidiaries Savings and Investment Plan for Bargaining Unit
Employees and the HUBCO, Inc. and Subsidiaries  Savings and Investment Plan (for
Non-Bargaining  Unit  Employees)  are prepared in  conjunction  with each other.
Additional time was required to work through the extensive  record-keeping  and
other issues  involved in connection  with the merger of four benefit plans with
and into the HUBCO,  Inc.  and  Subsidiaries  Savings and  Investment  Plan (for
Non-Bargaining  Unit Employees).  Each of the merged plans were formerly benefit
plans of entities acquired by Hudson United Bancorp.  Two of the plans, The Dime
Savings  Bank of  Wallingford  Deferred  Savings Plan and the Bank of the Hudson
Employee  Stock  Ownership Plan were merged as of January 1, 1999. The Community
Savings  Bank  401K Plan and the MSB Bank 401K  Savings  Plan were  merged as of
April 1, 1999.

The Registrant anticipates that it will submit the Report on Form 11-K to the
Commission via EDGAR for filing today, following the filing of this Form 12b-25.



PART IV - NARRATIVE

(1)      Name and telephone number of person to contact in regard to this
         notification

    D. Lynn Van-Borkulo-Nuzzo      (201) 236-2641
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             (Name)                  (Area Code)     (Telephone Number)

(2)      Have all other periodic  reports  required under Section 13 or 15(d) of
         the  Securities  Exchange  Act of 1934 or Section 30 of the  Investment
         Company Act of 1940 during the  preceding 12 months or for such shorter
         period that the  registrant  was required to file such  report(s)  been
         filed? If answer is no, identify report(s).
                                                     [X]  Yes    [ ]  No

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(3)      Is it anticipated that any significant  change in results of operations
         from  the  corresponding  period  for  the  last  fiscal  year  will be
         reflected  by the  earnings  statements  to be  included in the subject
         report or portion thereof?
                                                      [ ]   Yes   [X]  No

         If  so,  attach  an  explanation  of  the  anticipated   change,   both
         narratively and quantitatively,  and, if appropriate, state the reasons
         why a reasonable estimate of the results cannot be made.



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           HUBCO, Inc. and Subsidiaries Savings and Investment Plan
           for Bargaining Unit Employees.
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                  (Name of Registrant as Specified in Charter)

has caused this notification to be signed on its behalf by the undersigned
hereunto duly authorized.

                                   D. LYNN VAN BORKULO-NUZZO
Date:    June 30, 1999          By:_____________________________________________
                                   D. Lynn Van Borkulo-Nuzzo, Plan Administrator

INSTRUCTION: The form may be signed by an executive officer of the registrant or
by any other duly  authorized  representative.  The name and title of the person
signing  the form  shall  be typed or  printed  beneath  the  signature.  If the
statement is signed on behalf of the registrant by an authorized  representative
(other than an executive officer), evidence of the representative's authority to
sign on behalf of the registrant shall be filed with the form.



<PAGE>


                                    ATTENTION
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    Intentional misstatements or omissions of fact constitute Federal Criminal
    Violations (See 18 U.S.C. 1001).
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                              GENERAL INSTRUCTIONS

1.     This form is required by Rule 12b-25 (17 CFR  240.12b-25)  of the General
       Rules and Regulations under the Securities Exchange Act of 1934.

2.     One signed original and four conformed copies of this form and amendments
       thereto  must be  completed  and filed with the  Securities  and Exchange
       Commission,  Washington,  D.C.  20549, in accordance with Rule 0-3 of the
       General Rules and Regulations under the Act. The information contained in
       or filed  with the form  will be made a matter  of  public  record in the
       Commission files.

3.     A manually signed copy of the form and amendments  thereto shall be filed
       with each national  securities  exchange on which any class of securities
       of the registrant is registered.

4.     Amendments  to the  notifications  must also be filed on form  12b-25 but
       need not restate information that has been correctly furnished.  The form
       shall be clearly identified as an amended notification.

5.     Electronic  Filers.  This  form  shall not be used by  electronic  filers
       unable to file a report  solely due to  electronic  difficulties.  Filers
       unable  to  submit a report  within  the time  period  prescribed  due to
       difficulties  in electronic  filing should comply with either Rule 201 or
       Rule 202 of Regulations S-T (ss.232.201 or ss.232.202 of this chapter) or
       apply  for an  adjustment  in  filing  date  pursuant  to Rule  13(b)  of
       Regulation S-T (ss.232.13(b) of this chapter).






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