PAMRAPO BANCORP INC
SC 13G/A, 1998-01-28
SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED
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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. 1)*


                              Pamrapo Bancorp, Inc.
- --------------------------------------------------------------------------------
                                (Name of Issuer)
                                  Common Stock
- --------------------------------------------------------------------------------
                         (Title of Class of Securities)
                                    697738102
- --------------------------------------------------------------------------------
                                 (CUSIP Number)


*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 9 PAGES
<PAGE>

- ---------------------                                      ---------------------
CUSIP No.   697738102                   13G                Page  2  of  9  Pages
- ---------------------                                      ---------------------

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

          John Hancock Mutual Life Insurance Company
          I.R.S. No. 04-1414660
- --------------------------------------------------------------------------------
   2      CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*             (a)  |_|
                                                                        (b)  |_|
          N/A
- --------------------------------------------------------------------------------
   3      SEC USE ONLY

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

          Commonwealth of Massachusetts
- --------------------------------------------------------------------------------
                      5     SOLE VOTING POWER
    Number of
     Shares                 -0-

                   -------------------------------------------------------------
  Beneficially        6     SHARED VOTING POWER
    Owned by
      Each                  -0-

                   -------------------------------------------------------------
    Reporting         7     SOLE DISPOSITIVE POWER
     Person
      With                  -0-

                   -------------------------------------------------------------
                      8     SHARED DISPOSITIVE POWER

                            -0-

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

          None,  except  through its  indirect,  wholly-owned  subsidiary,  John
          Hancock Advisers, Inc.
- --------------------------------------------------------------------------------
   10     CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*

          N/A
- --------------------------------------------------------------------------------
   11     PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9

          See line 9, above.
- --------------------------------------------------------------------------------
   12     TYPE OF REPORTING PERSON*

          IC, IA, HC
- --------------------------------------------------------------------------------














                      *SEE INSTRUCTIONS BEFORE FILLING OUT!
                                PAGE 2 OF 9 PAGES
<PAGE>

- ---------------------                                      ---------------------
CUSIP No.   697738102                   13G                Page  3  of  9  Pages
- ---------------------                                      ---------------------

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

          John Hancock Subsidiaries, Inc.
          I.R.S. No. 04-2687223
- --------------------------------------------------------------------------------
   2      CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*             (a)  |_|
                                                                        (b)  |_|
          N/A
- --------------------------------------------------------------------------------
   3      SEC USE ONLY

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

          Delaware
- --------------------------------------------------------------------------------
                      5     SOLE VOTING POWER
    Number of
     Shares                 -0-

                   -------------------------------------------------------------
  Beneficially        6     SHARED VOTING POWER
    Owned by
      Each                  -0-

                   -------------------------------------------------------------
    Reporting         7     SOLE DISPOSITIVE POWER
     Person
      With                  -0-

                   -------------------------------------------------------------
                      8     SHARED DISPOSITIVE POWER

                            -0-

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

          None,  except  through its  indirect,  wholly-owned  subsidiary,  John
          Hancock Advisers, Inc.
- --------------------------------------------------------------------------------
   10     CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*

          N/A
- --------------------------------------------------------------------------------
   11     PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9

          See line 9, above.
- --------------------------------------------------------------------------------
   12     TYPE OF REPORTING PERSON*

          HC
- --------------------------------------------------------------------------------














                      *SEE INSTRUCTIONS BEFORE FILLING OUT!
                                PAGE 3 OF 9 PAGES
<PAGE>

- ---------------------                                      ---------------------
CUSIP No.   697738102                   13G                Page  4  of  9  Pages
- ---------------------                                      ---------------------

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

          The Berkeley Financial Group
          I.R.S. No. 04-3145626
- --------------------------------------------------------------------------------
   2      CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*             (a)  |_|
                                                                        (b)  |_|
          N/A
- --------------------------------------------------------------------------------
   3      SEC USE ONLY

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

          Commonwealth of Massachusetts
- --------------------------------------------------------------------------------
                      5     SOLE VOTING POWER
    Number of
     Shares                 -0-

                   -------------------------------------------------------------
  Beneficially        6     SHARED VOTING POWER
    Owned by
      Each                  -0-

                   -------------------------------------------------------------
    Reporting         7     SOLE DISPOSITIVE POWER
     Person
      With                  -0-

                   -------------------------------------------------------------
                      8     SHARED DISPOSITIVE POWER

                            -0-

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

          None, except through its direct, wholly-owned subsidiary, John Hancock
          Advisers, Inc.
- --------------------------------------------------------------------------------
   10     CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*

          N/A
- --------------------------------------------------------------------------------
   11     PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9

          See line 9, above.
- --------------------------------------------------------------------------------
   12     TYPE OF REPORTING PERSON*

          HC
- --------------------------------------------------------------------------------














                      *SEE INSTRUCTIONS BEFORE FILLING OUT!
                                PAGE 4 OF 9 PAGES
<PAGE>

- ---------------------                                      ---------------------
CUSIP No.   697738102                   13G                Page  5  of  9  Pages
- ---------------------                                      ---------------------

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

          John Hancock Advisers, Inc.
          I.R.S. No. 04-2441573
- --------------------------------------------------------------------------------
   2      CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*             (a)  |_|
                                                                        (b)  |_|
          N/A
- --------------------------------------------------------------------------------
   3      SEC USE ONLY

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

          Delaware
- --------------------------------------------------------------------------------
                      5     SOLE VOTING POWER
    Number of
     Shares                 206,000

                   -------------------------------------------------------------
  Beneficially        6     SHARED VOTING POWER
    Owned by
      Each
                            -0-
                   -------------------------------------------------------------
    Reporting         7     SOLE DISPOSITIVE POWER
     Person
      With                  206,000

                   -------------------------------------------------------------
                      8     SHARED DISPOSITIVE POWER

                            -0-

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

          206,000
- --------------------------------------------------------------------------------
   10     CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*

          N/A
- --------------------------------------------------------------------------------
   11     PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9

          7.2%
- --------------------------------------------------------------------------------
   12     TYPE OF REPORTING PERSON*

          IA
- --------------------------------------------------------------------------------















                      *SEE INSTRUCTIONS BEFORE FILLING OUT!
                                PAGE 5 OF 9 PAGES
<PAGE>

     The original  statement  shall be signed by each person on whose behalf the
statement is filed or his authorized representative.  If the statement is signed
on behalf of a person by his authorized  representative  other than an executive
officer  or   general   partner  of  the   filing   person,   evidence   of  the
representative's  authority to sign on behalf of such person shall be filed with
the  statement,  provided,  however,  that a power of attorney  for this purpose
which is already on file with the Commission may be  incorporated  by reference.
The name and any title of each person who signs the statement  shall be typed or
printed beneath his signature.

Note: Six copies of this statement, including all exhibits, should be filed with
the Commission.

     Attention:  Intentional  misstatements  or  omissions  of  fact  constitute
Federal criminal violations (See 18 U.S.C. 1001)


     Item 1(a)      Name of Issuer:
                    Pamrapo Bancorp, Inc.

     Item 1(b)      Address of Issuer's Principal Executive Offices:
                    611 Avenue C
                    Bayonne, NJ 07002

     Item 2(a)      Name of Person Filing:
                    This  filing is made on behalf of John  Hancock  Mutual Life
                    Insurance    Company    ("JHMLICO"),    JHMLICO's    direct,
                    wholly-owned  subsidiary,  John Hancock  Subsidiaries,  Inc.
                    ("JHSI"),  JHSI's  direct,   wholly-owned  subsidiary,   The
                    Berkeley  Financial  Group ("TBFG") and TBFG's  wholly-owned
                    subsidiary, John Hancock Advisers, Inc. ("JHA").

     Item 2(b)      Address of the Principal Offices:
                    The  principal  business  offices  of  JHMLICO  and JHSI are
                    located at John  Hancock  Place,  P.O. Box 111,  Boston,  MA
                    02117.  The principal  business  offices of TBFG and JHA are
                    located  at 101  Huntington  Avenue,  Boston,  Massachusetts
                    02199.

     Item 2(c)      Citizenship:
                    JHMLICO and TBFG were  organized and exist under the laws of
                    the  Commonwealth  of  Massachusetts.   JHSI  and  JHA  were
                    organized and exist under the laws of the State of Delaware.

     Item 2(d)      Title of Class of Securities:
                    Common Stock

     Item 2(e)      CUSIP Number:
                    697738102

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

                    JHMLICO:  (c) (X)   Insurance Company as defined in 
                                        ss.3(a)(19) of the Act.

                              (e) (X)   Investment Adviser registered under
                                        ss.203 of the Investment Advisers Act of
                                        1940.

                              (g) (X)   Parent Holding Company, in accordance 
                                        with ss.240.13d-1(b)(ii)(G).




                               PAGE 6 OF 9 PAGES
<PAGE>

                    JHSI:     (g) (X)   Parent Holding Company, in accordance
                                        with ss.240.13d-1(b)(ii)(G).

                    TBFG:     (g) (X)   Parent Holding Company, in accordance 
                                        with ss.240.13d-1(b)(ii)(G).

                    JHA:      (e) (X)   Investment Adviser registered under 
                                        ss.203 of the Investment Advisers Act of
                                        1940.
     Item 4         Ownership:

                    (a)    Amount Beneficially Owned: JHA has direct beneficial
                           ownership of 206,000 shares of Common Stock. Through
                           their parent-subsidiary relationship to JHA, JHMLICO,
                           JHSI and TBFG have indirect, beneficial ownership of
                           these same shares. 120,000 shares are held by the
                           John Hancock Regional Bank Fund, an open-end
                           diversified management company registered under ss.8
                           of the Investment Company Act.

                           86,000 shares are held by the John Hancock Bank and
                           Thrift Opportunity Fund, a closed-end diversified
                           management company registered under ss.8 of the
                           Investment Company Act.

                    (b)    Percent of Class:   7.2%

                    (c)    (i)     sole power to vote or to direct the vote: 
                                   JHA has sole power to vote or direct the vote
                                   of the 206,000 shares of Common Stock under 
                                   the Advisory Agreements as follows:

                                                                  Date of
                                                 Number           Advisory
            Fund Name                            of Shares        Agreement
            ---------                            ---------        ---------
John Hancock Regional Bank Fund                   120,000        July 1, 1996
John Hancock Bank and Thrift Opportunity Fund      86,000        July 21, 1994

                           (ii)    shared power to vote or to direct the vote: 
                                   -0-

                           (iii)   sole power to dispose or to direct the
                                   disposition  of:  
                                   JHA has sole power to dispose or to direct 
                                   the disposition of the 206,000 shares of 
                                   Common Stock under the Advisory Agreements 
                                   noted in Item  4(c)(i) above.

                           (iv)    shared power to dispose or to direct the 
                                   disposition of:  -0-

     Item 5         Ownership of Five Percent or Less of a Class:
                    Not applicable.

     Item 6         Ownership of More than Five Percent on Behalf of Another 
                    Person:
                    See Item 4.

     Item 7         Identification  and  Classification  of the Subsidiary which
                    Acquired  the  Security  Being  Reported  on by  the  Parent
                    Holding Company:
                    See Items 3 and 4 above.

     Item 8         Identification and Classification of Members of the Group:
                    Not applicable.


                               PAGE 7 OF 9 PAGES
<PAGE>

     Item 9         Notice of Dissolution of a Group:
                    Not applicable.

     Item 10        Certification:
                    By signing below the undersigned certifies that, to the best
                    of its  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 its knowledge and belief,  each
of the undersigned certifies that the information set forth in this statement is
true, complete and correct.


                                      John Hancock Mutual Life Insurance Company
                                      By:      /s/ John T. Farady
                                      Name:    John T. Farady
Dated: January 23, 1998               Title:   Senior Vice President & Treasurer


                                      John Hancock Subsidiaries, Inc.
                                      By:      /s/ John T. Farady
                                      Name:    John T. Farady
Dated: January 23, 1998               Title:   Treasurer


                                      The Berkeley Financial Group
                                      By:      /s/ Susan S. Newton
                                      Name:    Susan S. Newton
Dated: January 23, 1998               Title:   Vice President


                                      John Hancock Advisers, Inc.
                                      By:      /s/ Susan S. Newton
                                      Name:    Susan S. Newton
Dated: January 23, 1998               Title:   Vice President




                                PAGE 8 OF 9 PAGES
<PAGE>


EXHIBIT A
                             JOINT FILING AGREEMENT

     John Hancock  Mutual Life  Insurance  Company,  John Hancock  Subsidiaries,
Inc., The Berkeley  Financial Group and John Hancock  Advisers,  Inc. agree that
the  Schedule  13G  (Amendment  No. 1), to which  this  Agreement  is  attached,
relating to the Common Stock of Pamrapo Bancorp, Inc. is filed on behalf of each
of them.


                                      John Hancock Mutual Life Insurance Company
                                      By:      /s/ John T. Farady
                                      Name:    John T. Farady
Dated: January 23, 1998               Title:   Senior Vice President & Treasurer


                                      John Hancock Subsidiaries, Inc.
                                      By:      /s/ John T. Farady
                                      Name:    John T. Farady
Dated: January 23, 1998               Title:   Treasurer


                                      The Berkeley Financial Group
                                      By:      /s/ Susan S. Newton
                                      Name:    Susan S. Newton
Dated: January 23, 1998               Title:   Vice President


                                      John Hancock Advisers, Inc.
                                      By:      /s/ Susan S. Newton
                                      Name:    Susan S. Newton
Dated: January 23, 1998               Title:   Vice President



































                                PAGE 9 OF 9 PAGES


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