UNITY BANCORP INC /DE/
8-K, 1999-04-27
STATE 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) April 22, 1999

                               UNITY BANCORP, INC.
             ------------------------------------------------------
             (Exact name of registrant as specified in its charter)


          DELAWARE                        1-12431                 22-3282551
- ----------------------------           ------------          -------------------
(State or other jurisdiction           (Commission              (IRS Employer
      of incorporation)                File Number)          Identification No.)


 64 OLD HIGHWAY 22, CLINTON, NEW JERSEY                                  08809
- ----------------------------------------                              ----------
(Address of principal executive offices)                              (Zip Code)


        Registrant's telephone number, including area code (908) 730-7630

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<PAGE>

Item 5. Other.

     The Registrant issued a press release on April 22, 1999 announcing that
First Colonial Securities Group, Inc. has upgraded its ranking of the Registrant
with a "Strong Buy Recommendation".

Item 7.           Exhibits.

         The following exhibit is filed with this Current Report on Form 8-K.

         Exhibit No.                        Description
         -----------                        -----------

              99                            Press Release dated April 22, 1999


                                   Page 2 of 5
<PAGE>



                                   SIGNATURES

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



                                                 UNITY BANCORP, INC.
                                                 (Registrant)

Dated:  April 24, 1999             By: /s/ KEVIN KILLIAN                     
                                       --------------------------------------
                                       KEVIN KILLIAN, Chief Financial Officer


                                   Page 3 of 5
<PAGE>


                                  EXHIBIT INDEX

                           CURRENT REPORT ON FORM 8-K

Exhibit No.       Description                                          Page No.
- -----------       -----------                                          --------

  99              Press Release dated April 22, 1999                       5




                                   Page 4 of 5


EXHIBIT 99


                          UNITY BANCORP, INC. RECEIVES
                            STRONG BUY RECOMMENDATION

CLINTON, NEW JERSEY--April 22, 1999--UNITY BANCORP, INC. (NASDAQ NM: UNTY),
parent company of UNITY BANK, today announced that First Colonial Securities
Group, Inc., has upgraded their rating of UNITY BANCORP, INC. with a "Strong Buy
Recommendation".

Chairman of the Board Robert Van Volkenburgh commented, "We are very pleased to
receive this endorsement."

     Unity Bank is a community oriented, full service commercial bank providing
a wide range of business and consumer financial services through its thirteen
retail financial service centers located in Berkeley Heights, Clinton, Colonia,
Cranford, Edison, Flemington, Linden, North Plainfield, Scotch Plains,
Springfield (2), Union, and Whitehouse, New Jersey.

     As previously announced, the Bank will also open additional locations in:
East Brunswick, Kenilworth, North Brunswick, Raritan Township, South Plainfield,
Bound Brook, and Highland Park, New Jersey.

     For additional information about the Bank's financial services, call
1-800-618-BANK, or visit Unity's Internet page at htp://www.unitybank.com. Email
may be addressed to the Bank at [email protected].

"Safe Harbor" Statement under the Private Securities Litigation Reform Act of
1995: 

Certain of these statements contained in this release which are not historical
facts are forward-looking statements that are subject to risks and uncertainties
that could cause actual results to differ materially from these set forth in the
forward-looking statements, including the uncertainties inherent in the process
of auditing and making end-of-year adjustments to a corporation's financial
statements. By making these forward-looking statements, the Company undertakes
no obligation to update these statements for revisions or changes after the date
of this release.


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