UNITED NATIONAL BANCORP
8-K, 1998-11-18
NATIONAL 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

       Date of Report (Date of earliest event reported)- October 31, 1998


                             UNITED NATIONAL BANCORP
                ------------------------------------------------
               (Exact Name of Registrant as Specified in Charter)


                                   New Jersey
                  --------------------------------------------
                 (State or Other Jurisdiction of Incorporation)

                    000-16931                   22-2894827
            ----------------------   -------------------------------
           (Commission File Number) (IRS Employer Identification No.)


             1130 Route 22 East, Bridgewater, New Jersey 08807-0010
             ------------------------------------------------------
                     (Address of principal executive offices


                                 (908) 429-2200
               --------------------------------------------------
              (Registrant's Telephone Number, including area code)


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<PAGE>


Item 5.  Other Events.
United  National  Bancorp  ("United")  acquired  the State Bank of South  Orange
("SBSO")  effective  September  30,  1998.  United 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 United and its  subsidiaries,  including  SBSO,  for the month ended
October 31, 1998.  These results are not  necessarily  indicative of the results
which United may report for the quarter ending December 31, 1998.

The sole purpose of these financial statements is to report the combined results
of operations  for the one month period.  They should not be relied upon for any
other purpose.


<TABLE>
<CAPTION>
                                               For the One
                                               Month Period
                                           Ended October 31, 1998
                                              (in thousands)
     (Unaudited)                           ----------------------
<S>                                               <C>   
     Income Before Income Taxes                   $1,477
     Income Taxes                                    405
                                           ----------------------

     Net Income                                   $1,072
                                           ======================
</TABLE>




<PAGE>


                                   SIGNATURES

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


                                                      United National Bancorp


Dated: November 18, 1998                         By:  /s/Thomas C. Gregor
                                                    ----------------------------
                                                         Thomas C. Gregor
                                                     Chairman, President and
                                                     Chief Executive Officer




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