===============================================================================

                       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 16, 1997
                                                         ---------------

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


        Delaware                      1-12431                   22-3282551
- ----------------------------        ------------            -------------------
(State or other jurisdiction        (Commission               (IRS Employer
      of incorporation)             File Number)            Identification No.)



          64 Old Highway 22, Clinton, New Jersey                08809
         ----------------------------------------             ----------
         (Address of principal executive offices)             (Zip Code)



       Registrant's telephone number, including area code (908) 730-7630
                                                          --------------

===============================================================================









Item 5.     Other.
            ------

      The Registrant issued a press release on October 16, 1997 announcing its
third quarter 1997 earnings.


Item 7.     Exhibits.
            ---------

     The following exhibit is filed with this Current Report on Form 8-K.


Exhibit No.                      Description
- -----------                      -----------
 99                    Press Release dated October 16, 1997.



                                   Page 2 of 5





                                   SIGNATURES

     Pursuant to the requirements of the Securities Exchange Act of 1934, Unity
Bancorp, Inc. has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.

                                        UNITY BANCORP, INC.
                                        -------------------
                                           (Registrant)



Dated: October 17, 1997                   By: /s/ JULIE Y. CARLSON
                                              ----------------------------
                                                Julie Y. Carlson
                                                Chief Financial Officer





                                   Page 3 of 5



                                  EXHIBIT INDEX

                           CURRENT REPORT ON FORM 8-K

Exhibit No.                      Description                           Page No.
- -----------                      -----------                           --------
 99                    Press Release dated October 16, 1997.


                                   Page 4 of 5