ROCK FINANCIAL CORP/NJ/
15-12G, 1999-01-13
NATIONAL COMMERCIAL BANKS
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                             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: 0-15156

                           Rock Financial Corporation
             (Exact Name of Registrant as specified in its charter)

                                 350 Rock Avenue
                       North Plainfield, New Jersey 07060
                                 (908) 561-4600
          (Address, including zip code, and telephone number, including
             area code of registrant's principal executive offices)

                         COMMON STOCK - $3.33 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
provision(s) relied upon to terminate or suspend the duty to file reports:

<TABLE>
<CAPTION>

   <S>                         <C>               <C>                         <C>
   Rule 12g-4(a)(1)(i)         [x]               Rule 12h-3(b)(1)(i)         [x]
   Rule 12g-4(a)(1)(ii)        [ ]               Rule 12h-3(b)(1)(ii)        [ ]
   Rule 12g-4(a)(2)(i)         [ ]               Rule 12h-3(b)(2)(i)         [ ]
   Rule 12g-4(a)(2)(ii)        [ ]               Rule 12h-3(b)(2)(ii)        [ ]

</TABLE>

         Approximate  number of  holders  of record as of the  certification  or
notice date: 0

         Pursuant to the  requirements  of  Securities  Exchange Act of 1934, as
amended, Rock Financial Corporation has caused this  certification/notice  to be
signed on its behalf by the undersigned duly authorized person.

                               Valley National Bancorp, Successor by Merger to
                               Rock Financial Corporation

                                  ALAN D. ESKOW  
DATE:  January 12, 1999      By:------------------------------------------------
                                  Alan D. Eskow
                                  Corporate Secretary and Senior Vice President



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