IBS FINANCIAL CORP
15-12G, 1999-01-04
SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED
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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: 0-24862

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

                              The Operations Center
                               1909 East Route 70
                          Cherry Hill, New Jersey 08003
                                 (609) 424-1000
 (Address, including zip code, and telephone number, including area code of 
                   registrant's principal executive offices)

                     COMMON STOCK, PAR VALUE $0.01 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, IBS 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
                                               IBS 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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