FIRST STATE FINANCIAL SERVICES INC
NT 10-Q, 1995-08-15
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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            First State Financial Services, Inc.
                              
             Securities and Exchange Commission
                              
                   Washington, DC   20549




                         Form 12b-25




                 SEC File Number:   0-16329
                 CUSIP Number:   336906 10 2








                 NOTIFICATION OF LATE FILING
                           (Check One)

 [  ] Form 10-K     [  ] Form 11-K      [  ] Form 20-F

          [ X ] Form 10-Q           [  ] Form N-SAR


             For the Quarter Ended June 30,1995





<PAGE>
PART I-REGISTRANT INFORMATION

     Full Name of Registrant:

     First State Financial Services, Inc.
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     Address of Principal Executive Office (Street and Number):

     1120 Bloomfield Avenue
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     City, State and Zip Code:

     West Caldwell, New Jersey   07007-2449
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PART II- RULES 12B-25(B) AND (C)

     If 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 expenses;


[  X  ]        (b)  The subject annual report or semi-annual report/
                    portion thereof will be filed on or before the 
                    fifteenth calendar day following the prescribed 
                    due date or the subject quarterly report/portion 
                    thereof will be filed on or before the fifth calendar 
                    day following the prescribed due date; and


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



<PAGE>
PART III-NARRATIVE

     State below in reasonable detail the reasons why the form 10-Q 
could not be filed within the prescribed time.


     The 10-Q for the quarter ended June 30,1995 could not be filed 
     within the prescribed time due to technical problems with our 
     local area network, which made it impossible for us to access 
     the final version of the document or to utilize the corporation's 
     modems.



PART IV-OTHER INFORMATION

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

     John M. Fields, Jr.           (201)     575-5800,  #265
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     (Name)                   (Area Code)    (Telephone)

     (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 the answer is no, identify report(s).


          [  X  ]   Yes            [      ]  No


     (3) Is it anticipated that any significant change in results of 
operation 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.


<PAGE>
               First State Financial Services, Inc.
----------------------------------------------------------------          
          (Name of Registrant as specified in its charter)


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





Date:  August 15, 1995             By:  John M. Fields, Jr.
                                   -----------------------------
                                   John M. Fields, Jr.
                                   Vice President



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