NEW ENGLAND COMMUNITY BANCORP INC
8-K, 1998-10-21
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


                               September 30, 1998
                               ------------------
                        (Date of earliest event reported)


                       New England Community Bancorp, Inc.
                       -----------------------------------
             (Exact name of registrant as specified in its charter)


                                    Delaware
                                    --------
                 (State or other jurisdiction of incorporation)


                   0-14550                             06-1116165
                   -------                             ----------
           (Commission File Number)          (IRS Employer Identification No.)


        Post Office Box 130, Old Windsor Mall, Windsor, Connecticut 06095
        -----------------------------------------------------------------
                    (Address of principal executive offices)

                                 (860) 610-3600
                                 --------------
              (Registrant's telephone number, including area code)


<PAGE>



Item 5.    Other Events.

New England  Community  Bancorp,  Inc.  (the  "Company")  acquired Bank of South
Windsor ("South Windsor")  effective August 14, 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 Company and its subsidiaries, including South Windsor,
for the quarter  ended  September  30,  1998--which  includes  the 30 day period
following the acquisition.

For the three month period ended September 30, 1998:

(in thousands)

           Income Before Income Taxes             $    506
           Income Taxes                                426
                                                  --------
           Net Income                             $     80
                                                  ========


                                   SIGNATURES

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

                                            New England Community Bancorp, Inc.
                                            -----------------------------------

Date:  October 21, 1998            By:      s/s Anson C. Hall                  
                                            -----------------------------------
                                            Anson C. Hall
                                            Vice President and Treasurer
                                            (principal financial officer)


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