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

                       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) February  8, 1999
 
                               1ST BERGEN BANCORP
             ------------------------------------------------------
             (Exact name of registrant as specified in its charter)


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


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


        Registrant's telephone number, including area code (201) 939-3400

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



Item 5. Other.

     The Registrant issued a press release on February 8, 1999, announcing its
fourth fiscal quarter 1998 earnings.

Item 7. Exhibits.

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

Exhibit No.                  Description
- -----------                  -----------

   99                        Press Release dated February 8, 1999.

                                      -2-




                                   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
                                                  (Registrant)

Dated:  February 9, 1999                    By:  /s/ ALBERT E. GOSSWEILER
                                                 ------------------------
                                                   Albert E. Gossweiler
                                                   Executive Vice President and
                                                   Chief Financial Officer

                                           
                                      -3-




                                  EXHIBIT INDEX

                           CURRENT REPORT ON FORM 8-K

Exhibit No.           Description                                       Page No.
- -----------           -----------                                       --------

      99              Press Release dated February 8, 1999                 5

                                      -4-