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): September 27, 2005


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


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


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

Registrant's telephone number, including area code:  (973) 748-3600
                                                     --------------

                                  Not Applicable
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         (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  communications  pursuant to Rule 13e-4(c)  under the
          Exchange Act




                              ASB HOLDING COMPANY
                      INFORMATION TO BE INCLUDED IN REPORT


Item 8.01 Other Events

On September 27, 2005, the Registrant,  ASB Holding  Company,  announced that it
expects to close its second-step conversion from the mutual holding company form
of organization to a full stock  corporation  (the  "Conversion")  on October 5,
2005. The Registrant also announced  that,  subject to the receipt of regulatory
approval from the Office of Thrift Supervision,  American Bancorp of New Jersey,
Inc., the new holding company for the Bank,  expects to sell 9,918,750 shares of
its common stock in the Conversion at $10.00 per share. In addition,  each share
of common  stock  held by the  public  stockholders  of ASB  Holding  Company is
expected to be converted into 2.55102 shares of common stock of American Bancorp
of New Jersey,  Inc.,  resulting in an aggregate of 4,250,892  exchange  shares.
Accordingly,  American  Bancorp of New Jersey,  Inc. will have 14,169,642  total
shares outstanding  following the Conversion,  which is the super-maximum of the
estimated valuation range.

A copy of the press  release is  furnished  with this Form 8-K as Exhibit 99 and
the information contained in the press release is incorporated herein.


Item 9.01 Financial Statements, Pro Forma Financial Information and Exhibits

Exhibit
Number           Description
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 99              Press Release dated September 27, 2005



                                   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.


                                       ASB HOLDING COMPANY


Date: September 27, 2005               By:      /s/Eric B. Heyer
                                                --------------------------------
                                                Eric B. Heyer
                                                Senior Vice President and
                                                Chief Financial Officer