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, 2005

                                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   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, 2005,  the  Registrant  issued a press release to report
earnings for the quarter  ended  September 30, 2005. 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, 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, thereunto duly authorized.


                                        SUN BANCORP, INC.



Date: October 18, 2005                  By:      /s/Dan A. Chila
                                                 -------------------------------
                                                 Dan A. Chila
                                                 Executive Vice President and
                                                 Chief Financial Officer