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): August 18, 1995 Saratoga Bancorp (Exact name of registrant as specified in its charter) California (State or other jurisdiction of incorporation) 2-77519-LA 94-2817587 (Commission File Number) (IRS Employer Identification No.) 12000 Saratoga-Sunnyvale Road, Saratoga, CA 95070 (Address of principal executive office and ZIP code) Registrant's telephone number, including area code: (408) 973-1111 None (Former name or former address, if changed since last report) PAGE 1 OF 4 PAGES Exhibit at Page 4 Item 5. Other Events On August 18, 1995, the Board of Directors of Saratoga Bancorp declared a five cent ($0.05) cash dividend on the outstanding shares of Commom Stock of Saratoga Bancorp, to be payable on September 29, 1995 to shareholders of record at the close of business on September 11, 1995. Item 7. Financial Statements and Exhibits (a) Not applicable (b) Not applicable (c) Exhibits (21) Press Release issued on 8/22/95 describing cash dividend PAGE 2 OF 4 PAGES SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized. SARATOGA BANCORP (Registrant) By: _Mary Page Rourke_____________ Mary Page Rourke Senior Vice President Treasurer (Principal Financial and Accounting Officer) Date: August 22, 1995 PAGE 3 OF 4 PAGES