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)
                                October 18, 2004

                                SUN BANCORP, INC.
             ------------------------------------------------------
             (Exact name of Registrant as specified in its Charter)


       New Jersey                       0-20957                 52-1382541
- -----------------------------        -----------------         --------------
(State or other jurisdiction         (SEC File No.)            (IRS Employer
     of incorporation)                                         Identification
                                                                   Number)

226 Landis Avenue, Vineland, New Jersey                             08360
- ---------------------------------------                             -----
(Address of principal executive offices)                          (Zip Code)

Registrant's telephone number, including area code: (856) 691-7700
                                                    --------------

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

         Check the  appropriate  box below if the Form 8-K filing is intended to
simultaneously  satisfy the filing obligation of the registrant under any of the
following provisions:

     |_|  Written communications pursuant to Rule 425 under the Securities Act

     |_|  Soliciting material pursuant to Rule 14a-12 under the Exchange Act

     |_|  Pre-commencement  communications  pursuant to Rule 14d-2(b)  under the
          Exchange Act

     |_|  Pre-commencement to communications pursuant to Rule 13e-4(c) under the
          Exchange Act




                                SUN BANCORP, INC.

                      INFORMATION TO BE INCLUDED IN REPORT
                      ------------------------------------

                        Section 2 - Financial Information

Item 2.02.  Results of Operation and Financial Condition.

         On October 18, 2004,  the  Registrant  issued a press release to report
earnings for the quarter  ended  September 30, 2004. A copy of the press release
is  furnished  with  this  Form 8-K as  Exhibit  99 and  incorporated  herein by
reference.

            Section 9 - Financial Statements and Exhibits.

Item 9.01.  Financial Statements and Exhibits.

         (c)Exhibits:

            Exhibit 99 - Press Release dated October 18, 2004
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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, thereunto duly authorized.


                                        SUN BANCORP, INC.



Date: October 18, 2004                  By:      /s/Dan A. Chila
                                                 ---------------------------
                                                 Dan A. Chila
                                                 Executive Vice President and
                                                 Chief Financial Officer