NBB BANCORP INC
SC 13G/A, SC 13G, 1995-02-01
SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED
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<PAGE>   1

                                 UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                            WASHINGTON, D.C.  20549

                                  SCHEDULE 13G


                     Under the Securities Exchange Act of
                           1934 (Amendment No. 4)*


                              NBB Bancorp, Inc.
                               (Name of Issuer)


                                 Common Stock
                        (Title of Class of Securities)


                                  62872P109
                                (CUSIP Number)



Check the following box if a fee is being paid with this statement / /. (A fee
is not required only if the filing person: (1) has a previous statement on file
reporting beneficial ownership of more than five percent of the class of
securities described in Item 1; and (2) has filed no amendment subsequent
thereto reporting beneficial ownership of five percent or less of such class.)
(See Rule 13d-7.)

*The remainder of this cover page shall be filled out for a reporting person's
initial filing on this form with respect to the subject class of securities,
and for any subsequent amendment containing information which would alter the
disclosures provided in a prior cover page.

The information required in the remainder of this cover page shall not be
deemed to be "filed" for the purpose of Section 18 of the Securities Exchange
Act of 1934 ("Act") or otherwise subject to the liabilities of that section of
the Act but shall be subject to all other provisions of the Act (however, see
the Notes).




                                  Page 1 of 5

<PAGE>   2
CUSIP No. 62872P109                    13G                  Page 2 of 5 Pages



- --------------------------------------------------------------------------------
 1    NAME OF REPORTING PERSON
      S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON

      United States National Bank of Galveston
      74-1708566

- --------------------------------------------------------------------------------
 2    CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*       
                                                             (a) /   /
                                                             (b) / X /

- --------------------------------------------------------------------------------
 3    SEC USE ONLY



- --------------------------------------------------------------------------------
 4    CITIZENSHIP OR PLACE OF ORGANIZATION

      National Banking Association

- --------------------------------------------------------------------------------
                               5     SOLE VOTING POWER

          NUMBER OF                  50 shares
                               
           SHARES              -------------------------------------------------
                               6     SHARED VOTING POWER                        
        BENEFICIALLY           
                                     0 shares
          OWNED BY  
                               ------------------------------------------------
            EACH               7     SOLE DISPOSITIVE POWER
                    
          REPORTING                  0 shares
                               
           PERSON              ------------------------------------------------
                               8     SHARED DISPOSITIVE POWER                  
            WITH    
                                     50 shares
        
- ------------------------------------------------------------------------------- 
 9    AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON

          50 shares

- --------------------------------------------------------------------------------
10    CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*



- --------------------------------------------------------------------------------
11    PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9

          less than 1%

- --------------------------------------------------------------------------------
12    TYPE OF REPORTING PERSON*

          BK

- --------------------------------------------------------------------------------



                     *SEE INSTRUCTION BEFORE FILLING OUT!

                               Page 2 of 5 Pages

<PAGE>   3
Item 1(a)        NAME OF ISSUER:

                 NBB BANCORP, INC.


Item 1(b)        ADDRESS OF ISSUER'S PRINCIPAL EXECUTIVE OFFICES:

                 174 Union Street
                 New Bedford, Massachusetts 02742-0907

Item 2(a)        NAME OF PERSON FILING:

                 UNITED STATES NATIONAL BANK OF GALVESTON

Item 2(b)        ADDRESS OF PRINCIPAL BUSINESS OFFICE, OR IF NONE, RESIDENCE:

                 2201 Market Street
                 Galveston, Texas 77550

Item 2(c)        CITIZENSHIP:

                 National banking association

Item 2(d)        TITLE OF CLASS OF SECURITIES:

                 Common Stock

Item 2(e)        CUSIP NUMBER:

                 62872P109

Item 3           IF THIS STATEMENT IS FILED PURSUANT TO RULES 13D-1(b), OR
                 13d-2(d), CHECK WHETHER THE PERSON FILING IS A:

                 (b)      /X/ Bank as defined in Section 3(a)(6) of the Act.

Item 4           OWNERSHIP:

                 (a)      Amount Beneficially Owned:

                                 50

                 (b)      Percent of Class:

                                 less than 1%



                               Page 3 of 5 Pages

<PAGE>   4
       (c)      Number of Shares as to which such Person has:

                 (i)     sole power to vote or to direct the vote

                              50

                 (ii)    shared power to vote or to direct the vote

                              0

                 (iii)   sole power to dispose or to direct the disposition of

                              0

                 (iv)    shared power to dispose or to direct the disposition of

                              50

                 Reporting Person, as trustee under various trusts and as agent
                 pursuant to various agency agreements for various accounts,
                 has voting or investment power over   50  shares of the
                 Issuer's common stock.  As indicated above,  Reporting Person
                 has or shares voting power with respect to   50  of such
                 shares, and has or shares dispositive power with respect to
                 50  of such shares.  Reporting Person hereby expressly
                 disclaims beneficial ownership with respect to all such shares
                 and, accordingly, the filing of this Schedule 13G may not be
                 construed as an admission that such person is, for the
                 purposes of Section 13(d) or 13(g) of the Act, the beneficial
                 owner of any securities covered by this Schedule.

Item 5           OWNERSHIP OF FIVE PERCENT OR LESS OF A CLASS:

                 This statement is being filed to report the fact that as of 
                 the date hereof the reporting person has ceased to be the 
                 beneficial owner of more than five percent of the class of 
                 securities, check the following (X)

Item 6           OWNERSHIP OF MORE THAN FIVE PERCENT ON BEHALF OF ANOTHER
                 PERSON:

                 Not applicable.

Item 7           IDENTIFICATION AND CLASSIFICATION OF THE SUBSIDIARY WHICH
                 ACQUIRED THE SECURITY BEING REPORTED ON BY THE PARENT HOLDING
                 COMPANY:

                 Not applicable.

Item 8           IDENTIFICATION AND CLASSIFICATION OF MEMBERS OF THE GROUP:

                 Reporting Person hereby expressly disclaims that it, together
                 with such other persons having the power to vote or to dispose
                 of such shares, constitutes a "group" as defined in Rule
                 13d-5(b)(1) under the Act.





                               Page 4 of 5 Pages

<PAGE>   5
Item 9           NOTICE OF DISSOLUTION OF GROUP:

                 Not applicable.

Item 10          CERTIFICATION:

                 By signing below I certify that, to the best of my knowledge
                 and belief, the securities referred to above were acquired in
                 the ordinary course of business and were not acquired for the
                 purpose of and do not have the effect of changing or
                 influencing the control of the issuer of such securities and
                 were not acquired in connection with or as a participant in
                 any transaction having such purpose or effect.

                                   SIGNATURE

                 After reasonable inquiry and to the best of my knowledge and
belief, I certify that the information set forth in this statement is true, 
complete and correct.

                                 /s/ FREDDIE B. MEIER
________________________         ______________________________________________
        Date                                          Signature




                                 Freddie B. Meier, Executive Vice President and 
                                 Executive Vice President


                                 ______________________________________________
                                                    Name/Title





                               Page 5 of 5 Pages


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