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                                  UNITED STATES
                       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 7, 2003
                                                        ----------------


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

      Delaware                      1-15781                  04-3510455
      --------                      ---------                ----------
(State or other jurisdiction of   (Commission               (IRS Employer
   incorporation)                  File Number)            Identification No.)

                24 North Street, Pittsfield, Massachusetts 01201
                ------------------------------------------------
                    (Address of principal executive offices)

                                 (413) 443-5601
                                 --------------
              (Registrant's telephone number, including area code)

                                 Not Applicable
                                 --------------
          (Former name or former address, if changed since last report)







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ITEMS 1, 2, 3, 4, 5, 6 AND 8.  NOT APPLICABLE.

ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS.
        ---------------------------------

        (a) Financial Statements of Businesses Acquired: Not applicable

        (b) Pro Forma Financial Information: Not applicable

        (c) Exhibits

            Number            Description
            ------            -----------

            99.1              Press Release Dated February 7, 2003

ITEM 9. REGULATION FD DISCLOSURE.
        ------------------------

      On February 7, 2003,  Berkshire Hills Bancorp,  Inc. (the "Company"),  the
holding  company for Berkshire  Bank,  announced that Wayne F.  Patenaude  would
begin as Senior Vice  President,  Chief  Financial  Officer and Treasurer of the
Company and the Bank on or about March 1, 2003.  A copy of the  Company's  press
release  dated  February 7, 2003 is attached  as Exhibit  99.1 and  incorporated
herein by reference.



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                                  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 hereunto duly authorized.

                                       BERKSHIRE HILLS BANCORP, INC.


Dated: February  10, 2003             By:  /s/ Michael P. Daly
                                           -------------------------------------
                                           Michael P. Daly
                                           President and Chief Executive Officer