VISTA BANCORP INC
SC 13G, 1997-02-27
NATIONAL COMMERCIAL BANKS
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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549



                                  SCHEDULE 13G

                    Under the Securities Exchange Act of 1934

                           (Amendment No. __________)*


                               VISTA BANCORP, INC.
                                (Name of Issuer)

                     Common Stock, Par Value $.50 Per Share
                         (Title of Class of Securities)

                                   92830R 103
                                 (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).






SEC 1745 (2-95)                                    Page 1 of 5 Pages

<PAGE>


- -------------------------------                    -----------------------------
CUSIP NO.    G3930H104                13G                 Page 2 of 5 Pages
          ---------------                                                       
- -------------------------------                    -----------------------------

- --------------------------------------------------------------------------------
   1       NAME OF REPORTING PERSON
           S.S. OR I.R.S. IDENTIFICATION NUMBER OF ABOVE PERSON

           Hajdu Group Retirement Plan


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


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


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

           New Jersey

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

                                    214,614
       NUMBER OF
        SHARES              ----------------------------------------------------
     BENEFICIALLY            6      SHARED VOTING POWER
       OWNED BY
         EACH                       None
       REPORTING
        PERSON              ----------------------------------------------------
          WITH
                             7      SOLE DISPOSITIVE POWER
                             
                                    214,614
                                   
                            ----------------------------------------------------
                           
                             8      SHARED DISPOSITIVE POWER
                                   
                                    None
                             

- --------------------------------------------------------------------------------
   9       AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON

           214,614
- --------------------------------------------------------------------------------
   10      CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN
           SHARES*  
                                                                            

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

           5.2%
- --------------------------------------------------------------------------------
   12      TYPE OF REPORTING PERSON*

           EP
- --------------------------------------------------------------------------------

                      * SEE INSTRUCTION BEFORE FILLING OUT!


                                Page 2 of 5 Pages

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 ----------------------                                -------------------
  CUSIP No. 92830R 103              13G                 Page 3 of 5 Pages
 ----------------------                                -------------------

                           Hajdu Group Retirement Plan

Item 1.

         (a) Vista Bancorp, Inc. (the "Issuer")
         (b) 305 Roseberry Street, P.O. Box 5360, Phillipsburg, New Jersey 08865
             Telephone number: (908) 859-9500

Item 2.

         (a) Hajdu Group Retirement Plan
         (b) 710 New Brunswick Avenue, P.O. Box 1131, Alpha, New Jersey
             08865-1131
         (c) Not applicable
         (d) Not applicable
         (e) Not applicable

Item 3. If this statement is filed  pursuant to Rule  13d-1(b),  or  13d-2(b), 
        check whether the person filing is a:

         (a) |_| Broker or Dealer registered under Section 15 of the Act
         (b) |_| Bank as defined in section 3(a)(6) of the Act
         (c) |_| Insurance Company as defined in section 3(a)(19) of the Act
         (d) |_| Investment Company registered under section 8 of the Investment
                 Company Act
         (e) |_| Investment Advisor registered under section 203 of the
                 Investment Advisors Act of 1940
         (f) |X| Employee Benefit Plan, Pension Fund which is subject to the
                 provisions of the Employee Retirement Income Security Act of 
                 1974 or Endowment Fund; see ss. 240.13d-1(b)(1)(ii)(F)
         (g) |_| Parent Holding Company, in accordance with ss.
                 240.13d-1(b)(ii)(G) (Note: See Item 7)
         (h) |_| Group, in accordance with ss. 240.13d-1(b)(1)(ii)(H)

Item 4.  Ownership

         (a) The Reporting Persons own beneficially 214,614 shares of the
             Issuer's common stock, par value $.50 per share.
         (b) The percent of such class is 5.2%.
         (c) Number of shares as to which the Reporting Person has:
             (i)   sole power to vote or to direct the vote:  214,614 shares
             (ii)  shared power to vote or to direct the vote: None
             (iii) sole power to dispose or to direct the disposition of:  
                   214,614 shares
             (iv)  shared power to dispose or to direct the disposition of: None



                                Page 3 of 5 Pages

<PAGE>


 ----------------------                                -------------------
  CUSIP No. 92830R 103              13G                 Page 4 of 5 Pages
 ----------------------                                -------------------


Item 5. Ownership of Five Percent or Less of a Class

         If 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 |_|.

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

                  The following are members of the group:

                  Barry L. Hajdu - Co-Trustee
                  Brian W. Hajdu - Co-Trustee
                  Louis Hajdu - Co-Trustee

         Each of Barry L., Brian W. and Louis hold beneficially additional
shares of the Issuer's common stock, par value $.50 per share, as individuals.

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 purposes or effect.



                                Page 4 of 5 Pages

<PAGE>



 ----------------------                                -------------------
  CUSIP No. 92830R 103              13G                 Page 5 of 5 Pages
 ----------------------                                -------------------

                                    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.


                                        Barry L. Hajdu
Date: February 13, 1997                 ---------------------------------------
                                        Barry L. Hajdu, Co-Trustee


                                Page 5 of 5 Pages




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