CENTRAL JERSEY FINANCIAL CORP
NT 10-K, 1996-06-28
SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED
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                  UNITED STATES                                    OMB APPROVAL
        SECURITIES AND EXCHANGE COMMISSION               OMB Number:  3235-0058
              Washington, D.C. 20549                     Expires:  May 31, 1997
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                   FORM 12b-25                                  SEC FILE NUMBER
                                                                    0-17839
            NOTIFICATION OF LATE FILING
                                                                   CUSIP NUMBER
                                                                    153776 10 9

(Check One):  [XX] Form 10-K  [  ] Form 20-F   [  ] Form 11-K   [  ] Form 10-Q
              [  ] Form N-SAR

            For Period Ended:  March 31, 1996 
            [ ] Transition Report on Form 10-K
            [ ]  Transition  Report on Form 20-F
            [ ]  Transition  Report on Form 11-K
            [ ]  Transition  Report on Form 10-Q 
            [ ]  Transition  Report on Form N-SAR
            For the Transition Period Ended:  ____________________________

    Read Instruction (on back page) Before Preparing Form.  Please Print 
      or Type.

Nothing  in this  form  shall be  construed  to imply  that the  Commission  has
verified any information contained herein.

If the notification  relates to a portion of the filing checked above,  identify
the Item(s) to which the notification relates:


PART I - REGISTRANT INFORMATION

Central Jersey Financial Corporation
Full Name of Registrant

- --------------------------------------------------------------------------------
Former Name if Applicable

591 Cranbury Road
Address of Principal Executive Office (Street and Number)

East Brunswick, NJ  08816
City, State and Zip Code

PART II - RULES 12b-25(b) AND (c)

If the 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)

      [    ]  (a) The reasons  described in reasonable  detail in Part III
                  of this form  could  not be  eliminated  without  unreasonable
                  effort or expense;
      [    ]  (b) The  subject   annual  report,   semi-annual   report,
                  transition report on Form 10-K, Form 20-F, 11-K or Form N-SAR,
                  or portion  thereof,  will be filed on or before the fifteenth
                  calendar day following the prescribed due date; or the subject
                  quarterly report of transition report on Form 10-Q, or 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  exhibit  required  by 
                  Rule
12b-25(c) has been attached if applicable.

PART III - NARRATIVE

State below in reasonable  detail the reasons why Forms 10-K,  20-F, 11-K, 10-Q,
N-SAR, or the transition  report or portion  thereof,  could not be filed within
the prescribed time period.
                                               (Attach Extra Sheets if Needed)
See attached
                                                               SEC 1344 (6/94)


<PAGE>



PART IV - OTHER INFORMATION

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

            John J. Doherty               (908) 254-6600
                (Name)             (Area Code)(Telephone Number)

(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 answer
      is no, identify report(s). [XX] Yes [ ] No

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

(3)   Is it  anticipated  that any  significant  change in results of operations
      from the  corresponding  period for the last fiscal year will be reflected
      by the earnings  statement to be included in the subject report or portion
      thereof? [ ] Yes [XX] 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.


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

                           Central Jersey Financial Corporation
                       (Name of Registrant as Specified in Charter)

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

Date  June 28, 1996           By    /s/ John J. Doherty
                                    John J. Doherty, Vice President and Chief 
                                     Financial Officer

INSTRUCTION: The form may be signed by an executive officer of the registrant or
by any other duly  authorized  representative.  The name and title of the person
signing  the form  shall  be typed or  printed  beneath  the  signature.  If the
statement is signed on behalf of the registrant by an authorized  representative
(other than an executive officer), evidence of the representative's authority to
sign on behalf of the registrant shall be filed with the form.

                                         ATTENTION

     Intentional  misstatements or omissions of fact constitute Federal Criminal
Violations (See 18 U.S.C. 1001).

                                   GENERAL INSTRUCTIONS

1.    This form is required by Rule 12b-25 (17 CFR 240.12b-25) of the General 
      Rules and Regulations under the Securities
      Exchange Act of 1934.
2.    One signed original and four conformed  copies of this form and amendments
      thereto  must be  completed  and filed with the  Securities  and  Exchange
      Commission,  Washington,  D.C.  20549,  in accordance with Rule 0-3 of the
      General Rules and Regulations under the Act. The information  contained in
      or filed  with the form  will be made a matter  of  public  record  in the
      Commission files.
3.    A manually  signed copy of the form and amendments  thereto shall be filed
      with each national securities exchange on which any class of securities of
      the registrant is registered.
4.    Amendments to the notification  must also be filed on form 12b-25 but need
      not restate information that has been correctly furnished.  The form shall
      be clearly identified as an amended notification.
5.    Electronic Filers. This form shall not be used by electronic filers unable
      to timely  file a report  solely due to  electronic  difficulties.  Filers
      unable  to  submit  a report  within  the time  period  prescribed  due to
      difficulties  in  electronic  filing should comply with either Rule 201 or
      Rule 202 of Regulation  S-T  (ss.232.201 or ss.232.202 of this chapter) or
      apply  for an  adjustment  in  filing  date  pursuant  to  Rule  13(b)  of
      Regulation S-T (ss.232.13(b) of this chapter).




<PAGE>


                                        ATTACHMENT

PART III - NARRATIVE

      The Registrant is unable to timely file its annual report on Form 10-K for
the fiscal year ended March 31, 1996, because additional information is required
to be  prepared by the  Registrant  for the Annual  Meeting of the  Registrant's
Stockholders  in  connection  with the vote on the  Agreement and Plan of Merger
entered into by the Registrant and Summitt Bancorp on May 22, 1996.







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