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                       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) NOVEMBER 18, 1998
                                                          -----------------

                               1st BERGEN BANCORP
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             (Exact name of registrant as specified in its charter)

        NEW JERSEY                    0-27686                    22-3409845
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(State or Other Jurisdiction        (Commission                (IRS Employer
      of Incorporation)             File Number)            Identification No.)


              250 VALLEY BOULEVARD, WOOD-RIDGE, NEW JERSEY    07075
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               (Address of Principal Executive Offices)     (Zip Code)



       Registrant's telephone number, including area code (201) 939-3400
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Item 5. Other. 
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     The Registrant issued a press release on November 18, 1998, announcing that
its Board of Directors declared a quarterly dividend on its common stock of
seven cents ($0.07) per common share. The dividend will be payable on December
31, 1998, to shareholders of record at the close of business on December 14,
1998.

Item 7.  Exhibits.
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     The following exhibit is filed with this Current Report on Form 8-K.



Exhibit No.                Description
- -----------                -----------
    99                     Press Release dated November 18, 1998.

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                                   SIGNATURES

     Pursuant to the requirements of the Securities Exchange Act of 1934, 1st
Bergen Bancorp has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.


                                                   1ST BERGEN BANCORP
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                                                      (Registrant)




Dated: November 19, 1998                        By: /s/ ALBERT E. GOSSWEILER
                                                 ------------------------
                                                 Albert E. Gossweiler,
                                                 Executive Vice President
                                                 and Chief Financial
                                                 Officer


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                                  EXHIBIT INDEX
                                  -------------
                           CURRENT REPORT ON FORM 8-K
                           --------------------------

Exhibit No.                Description                                Page No.
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    99                     Press Release dated November 18, 1998         5



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