1 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):February 26, 1999 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 3 PAGES 2 Item 5 Other Events On February 26, 1999, the Board of Directors of Saratoga Bancorp decleared a ten cent ($0.10) cash dividend on the outstanding shares of Common Stock of Saratoga Bancorp, to be payable on April 14, 1999 to shareholders of record at the close of business on March 31, 1999. Item 7 Financial Statements and Exhibits (a) Not applicable (b) Not applicable (c) Exhibits (21) Press Release issued on 2/26/99 describing cash dividend. PAGE 2 OF 3 PAGES 3 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 Treasurer (Principal Financial and Accounting Officer) Date: March 2, 1999 PAGE 3 OF 3 PAGES