UNITED STATES
                    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

                                                         



                               July 9, 1996                         
             Date of Report (Date of earliest event reported)


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


             Delaware                 0-20378                54-1592546        
(State or other jurisdiction of (Commission File Number)   (I.R.S. Employer
 incorporation or organization)                        Identification Number)


       225 West Olney Road  Norfolk, Virginia                23510          
(Address of principal executive                           (Zip code)
      office)


  Registrant's telephone number, including area code:  (804) 446-6600





CENIT Bancorp, Inc.

Item 5 - Other Events

 On July 3, 1996, the Registrant issued a press release, and the disclosures
contained therein are deemed significant to stockholders.  Therefore, though 
not specifically required to be reported on Form 8-K, these disclosures are 
incorporated by reference to the press release, which is included herein as 
Schedule A.  Additionally, the Branch Purchase and Deposit Assumption 
Agreement referred to in the press release is included herein as 
Exhibit 10.1.

                            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.



                         
                                       CENIT BANCORP, INC.




DATE: July 9, 1996                     /S/ Michael S. Ives             
                                       Michael S. Ives
                                       President and Chief Executive Officer



DATE: July 9, 1996                     /S/ John O. Guthrie             
                                       John O. Guthrie
                                       Senior Vice President and 
                                       Chief Financial Officer




_____________________________________________________________________________
INDEX TO EXHIBITS

Schedule A - July 3, 1996 CENIT Bancorp, Inc. press release     E-2

Exhibit 10.1 - Branch Purchase and Deposit Assumption Agreement E-3 - E-40


                                                                          E-1
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UNITED STATES
                    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

                                                         

                               July 9, 1996                         
             Date of Report (Date of earliest event reported)

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

             Delaware                 0-20378                54-1592546        
(State or other jurisdiction of (Commission File Number)   (I.R.S. Employer
 incorporation or organization)                        Identification Number)

       225 West Olney Road  Norfolk, Virginia                23510          
(Address of principal executive                           (Zip code)
      office)

  Registrant's telephone number, including area code:  (804) 446-6600

CENIT Bancorp, Inc.

Item 5 - Other Events

 On July 3, 1996, the Registrant issued a press release, and the disclosures
contained therein are deemed significant to stockholders.  Therefore, though 
not specifically required to be reported on Form 8-K, these disclosures are 
incorporated by reference to the press release, which is included herein as 
Schedule A.  Additionally, the Branch Purchase and Deposit Assumption 
Agreement referred to in the press release is included herein as 
Exhibit 10.1.

                            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.

                         
                                       CENIT BANCORP, INC.

DATE: July 9, 1996                     /S/ Michael S. Ives             
                                       Michael S. Ives
                                       President and Chief Executive Officer

DATE: July 9, 1996                     /S/ John O. Guthrie             
                                       John O. Guthrie
                                       Senior Vice President and 
                                       Chief Financial Officer

_____________________________________________________________________________
INDEX TO EXHIBITS

Schedule A - July 3, 1996 CENIT Bancorp, Inc. press release     E-2

Exhibit 10.1 - Branch Purchase and Deposit Assumption Agreement E-3 - E-40

                                                                          E-1