SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20552


                                    FORM 8-K

                                 CURRENT REPORT

                       Pursuant to Section 13 or 15(d) of
                       the Securities Exchange Act of 1934


                                 October 3, 2003
               --------------------------------------------------
                Date of Report (Date of earliest event reported)




                               ASB HOLDING COMPANY
               --------------------------------------------------
             (Exact name of Registrant as specified in its Charter)


        United States                   0-31789             56-2317250
- -------------------------------      ------------        ----------------
(State or other jurisdiction          (File No.)          (IRS Employer
     of incorporation)                                 Identification Number)


  365 Broad Street, Bloomfield, New Jersey                     07003
- -------------------------------------------                  ----------
(Address of principal executive offices)                     (Zip Code)


Registrant's telephone number, including area code:   (974) 748-3600
                                                    -----------------


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






                               ASB Holding Company

                      INFORMATION TO BE INCLUDED IN REPORT


Item 5.           Other Events
                  ------------

         Reference is made to the press release dated October 3, 2003,  which is
attached hereto as Exhibit 99 and incorporated herein by this reference.


Item 7.           Financial Statements, Pro Forma Financial
                  Information and Exhibits
                  ------------------------

         (c) Exhibits.

                  99       Press Release dated October 3, 2003.







                                   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.



                                       ASB HOLDING COMPANY



Date: October 3, 2003         By:      /s/Joseph Kliminski
                                       -----------------------------------------
                                       Joseph Kliminski
                                       President and Chief Executive Officer