RAMAPO FINANCIAL CORP
15-12G, 1999-06-17
STATE 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: 0-7806

                          RAMAPO FINANCIAL CORPORATION
                          ----------------------------
             (Exact Name of Registrant as specified in its charter)

                           64 Mountain View Boulevard
                             Wayne, New Jersey 07470
                                 (973) 696-6100
                                 --------------
          (Address, including zip code, and telephone number, including
             area code of registrant's principal executive offices)

                     COMMON STOCK, PAR VALUE $1.00 PER SHARE
                     ---------------------------------------
            (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,  Valley  National  Bancorp has caused this  certification/notice  to be
signed on its behalf by the undersigned duly authorized person.

                                       VALLEY NATIONAL BANCORP
                                        Successor by Merger to
                                       Ramapo Financial Corporation


                                  ALAN D. ESKOW
DATE:  June 17, 1999         By:------------------------------------------------
                                  Alan D. Eskow
                                  Corporate Secretary



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