GROWTH FINANCIAL CORP
15-12G, 1999-01-04
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: 0-18264

                             Growth Financial Corp.
             (Exact Name of Registrant as specified in its charter)

                                 1500 Route 202
                       Harding Township, New Jersey 07920
                                 (201) 425-2500
          (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, Growth Financial Corp. has caused this certification/notice to
be signed on its behalf by the undersigned duly authorized person.

                                              HUBCO, INC. Successor by Merger to
                                              Growth Financial Corp.

                                              D. LYNN VAN BORKULO-NUZZO
DATE:  December 22, 1998                   By:---------------------------------
                                              D. Lynn Van Borkulo-Nuzzo
                                              Executive Vice President and
                                              Corporate Secretary




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