SECURITIES AND EXCHANGE COMMISSION

                                 WASHINGTON, D.C. 20006

                                       FORM 8-KSB

                                     CURRENT REPORT

                           Pursuant to Section 13 or 15(d) of
                       the Securities Exchange Act of 1934


Date of Report (Date of earliest event
reported)                                                         March 25, 1999

                                    ECB BANCORP, INC
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                 (Exact name of registrant as specified in its charter)


       North Carolina                0-24753                  56-2090738
- ------------------------------ --------------------- ---------------------------
(State or other jurisdiction     (Commission File           (IRS Employer
       of corporation)               Number)              Identification No.

                                  35080 US 264
                                  P. O. Box 337
                         Engelhard, North Carolina 27824
                  -------------------------------------------------------
                    (Address of principal executive offices)

     Registrant's telephone number, including area code        (252) 925-9411
                                                         -----------------------


                                       N/A
- --------------------------------------------------------------------------------
         (Former name or former address, if changed since last report.)






Item 5. Other Events

        On March 25, 1999, ECB Bancorp, Inc., the holding company for The East
Carolina Bank announced the declaration of a quarterly dividend. A copy of the
Bank's press release is attached as Exhibit 99 to this Report.

Item 7. Exhibits

        The following exhibits are attached to this Report:


    Exhibit Number                                   Description
- --------------------------     -------------------------------------------------
          99                   Copy of ECB Bancorp, Inc.'s March 25, 1999, press
                               release.










                                   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.


                                    ECB Bancorp, Inc.



                                    By:__________________________
                                    Arthur H. Keeney, III
                                    President and Chief Executive Officer

Dated:  March 25, 1999