HIGH POINT FINANCIAL CORP
15-12G, 1999-07-20
STATE COMMERCIAL BANKS
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                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D. C. 20549

                                     FORM 15

      Certification and Notice of Termination of Registration Under Section
   12(g) of the Securities Exchange Act of 1934 or Suspension of Duty to File
  Reports Under Sections 13 and 15(d) of the Securities Exchange Act of 1934.


                         Commission File Number 0-12430


                           High Point Financial Corp.
- --------------------------------------------------------------------------------
             (Exact name of registrant as specified in its charter)

        Branchville Square, Branchville, New Jersey 07826; (973) 948-3300
- --------------------------------------------------------------------------------
   (Address, including zip code, and telephone number, including area code, of
                    registrant's principal executive offices)

                           Common Stock, no par value
- --------------------------------------------------------------------------------
            (Title of each class of securities covered by this Form)

                                      None
- --------------------------------------------------------------------------------
   (Titles of all other classes of securities for which a duty to file reports
                      under section 13(a) or 15(d) remains)

          Please place an X in the box(es) to  designate  the  appropriate  rule
provisions(s) relied upon to terminate or suspend the duty to file reports:

Rule 12g-4(a)(1)(i)             [X]           Rule 12h-3(b)(1)(ii)       [ ]
Rule 12g-4(a)(1)(ii)            [ ]           Rule 12h-3(b)(2)(i)        [ ]
Rule 12g-4(a)(2)(i)             [ ]           Rule 12h-3(b)(2)(ii)       [ ]
Rule 12g-4(a)(2)(ii)            [ ]           Rule 15d-6                 [ ]
 Rule 12h-3(b)(1)(i)            [ ]

          Approximate  number of  holders of record as of the  certification  or
notice date:

         None

          Pursuant to the  requirements of the Securities  Exchange Act of 1934,
Lakeland  Bancorp,  Inc., as the successor to High Point  Financial  Corp.,  has
caused this  certification/notice  to be signed on its behalf by the undersigned
duly authorized person.

<PAGE>



Date:  July 19, 1999                        By:  /s/ Arthur L. Zande
                                                 Arthur L. Zande, Vice President


Instruction:  This  form is  required  by Rules  12g-4,  12h-3  and 15d-6 of the
General Rules and  Regulations  under the  Securities  Exchange Act of 1934. The
registrant  shall file with the Commission three copies of Form 15, one of which
shall be manually signed.  It may be signed by an officer of the registrant,  by
counsel or by any other duly authorized person. The name and title of the person
signing the form shall be typed or printed under the signature.




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