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


                       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) August 11, 1997


                             UNITED NATIONAL BANCORP
             ------------------------------------------------------
             (Exact name of registrant as specified in its charter)


                                   New Jersey
                 ----------------------------------------------
                 (State or other jurisdiction of incorporation)

                              000-16931 22-2894827
           ------------------------- ---------------------------------
           (Commission File Number) (IRS Employer Identification No.)

             1130 Route 22 East, Bridgewater, New Jersey 08807-0010
            ---------------------------------------------------------
                    (Address of principal executive offices)

                                 (908) 429-2200
               ---------------------------------------------------
              (Registrant's telephone number, including area code)


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




<PAGE>


Item 5.  Other Events.
The Company may make certain  "forward-looking"  statements from time to time as
part of the discussion of the Company's business, financial results or financial
condition.  Such  forward-looking  statements are not  historical  facts and may
include  expressions  by the Company or its officers  about their  confidence or
strategies,  or statements or discussions  concerning such matters as (1) future
revenues,  interest income,  interest expenses,  volume of loans or non-interest
income,  whether relating to the Company as a whole or by area (such as mortgage
loans, car loans,  credit card loans,  commercial  loans);  (2) future earnings,
whether  with respect to the  remainder  of a current  fiscal year or any future
periods; (3) future domestic and/or international  expansion; (4) future capital
expenditures;  (5) acquisition related revenues,  income,  expense or costs, (6)
the  effect of  outsourcing  of  certain  functions;  (7) the  effect of certain
corporate   strategies;   (8)   future   dividends;   or  (9)   other   specific
forward-looking  information  concerning  the  business,  operations,  financial
results or financial condition of the Company. NO SUCH FORWARD-LOOKING STATEMENT
IS INTENDED TO BE A GUARANTEE OF FUTURE EVENTS. IN EACH CASE, ACTUAL RESULTS MAY
DIFFER MATERIALLY FROM SUCH FORWARD-LOOKING  STATEMENT. Some of the factors that
are  likely to cause  actual  results  to  differ  from any such  expression  of
confidence,  outlook,  estimate, plan or goal are set forth below. The following
factors are not intended to be all-inclusive:

Factors that could cause such a  difference,  include but are not limited to the
following:  expected  cost  savings  may  not be  fully  realized  or may not be
realized  within the expected  time frame;  income or revenues may be lower than
expected or operating costs may be higher;  competitive pressures in the banking
and financial services  industries may increase  significantly;  the Company may
experience   business  disruption  related  to  implementation  of  programs  or
methodologies;  general economic  conditions  either nationally or in New Jersey
may be weaker  than  expected;  the effects of changes in legal  and  regulatory
barriers and structures;  or there may be other unanticipated  occurrences which
could  delay  the   implementation  of  all  or  part  of  planned  programs  or
initiatives, increase the costs associated with any such project or decrease the
financial benefits of any such project.


<PAGE>




                                   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.

                                   UNITED NATIONAL BANCORP

Dated: August 13, 1997              By: /s/ Thomas C. Gregor
                                       -------------------------
                                       Thomas C. Gregor
                                       Chairman, President and
                                          Chief Executive Officer
[{"type": "8-K", "sequence": "1", "description": "FOWARD-LOOKING DISCLOSURE", "secsgml_size_bytes": 4666}]
{"company-data": {"conformed-name": "UNITED NATIONAL BANCORP", "cik": "0000831959", "assigned-sic": "6021", "irs-number": "222894827", "state-of-incorporation": "NJ", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-16931", "film-number": "97658509"}, "business-address": {"street1": "1130 ROUTE 22 EAST", "city": "BRIDGEWATER", "state": "NJ", "zip": "08807", "phone": "9084292200"}, "mail-address": {"street1": "1130 ROUTE 22 EAST", "city": "BRIDGEWATER", "state": "NJ", "zip": "08807"}}
=============================================================

                       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) August 11, 1997

                             UNITED NATIONAL BANCORP
             ------------------------------------------------------
             (Exact name of registrant as specified in its charter)

                                   New Jersey
                 ----------------------------------------------
                 (State or other jurisdiction of incorporation)

                              000-16931 22-2894827
           ------------------------- ---------------------------------
           (Commission File Number) (IRS Employer Identification No.)

             1130 Route 22 East, Bridgewater, New Jersey 08807-0010
            ---------------------------------------------------------
                    (Address of principal executive offices)

                                 (908) 429-2200
               ---------------------------------------------------
              (Registrant's telephone number, including area code)

          =============================================================
Item 5.  Other Events.
The Company may make certain  "forward-looking"  statements from time to time as
part of the discussion of the Company's business, financial results or financial
condition.  Such  forward-looking  statements are not  historical  facts and may
include  expressions  by the Company or its officers  about their  confidence or
strategies,  or statements or discussions  concerning such matters as (1) future
revenues,  interest income,  interest expenses,  volume of loans or non-interest
income,  whether relating to the Company as a whole or by area (such as mortgage
loans, car loans,  credit card loans,  commercial  loans);  (2) future earnings,
whether  with respect to the  remainder  of a current  fiscal year or any future
periods; (3) future domestic and/or international  expansion; (4) future capital
expenditures;  (5) acquisition related revenues,  income,  expense or costs, (6)
the  effect of  outsourcing  of  certain  functions;  (7) the  effect of certain
corporate   strategies;   (8)   future   dividends;   or  (9)   other   specific
forward-looking  information  concerning  the  business,  operations,  financial
results or financial condition of the Company. NO SUCH FORWARD-LOOKING STATEMENT
IS INTENDED TO BE A GUARANTEE OF FUTURE EVENTS. IN EACH CASE, ACTUAL RESULTS MAY
DIFFER MATERIALLY FROM SUCH FORWARD-LOOKING  STATEMENT. Some of the factors that
are  likely to cause  actual  results  to  differ  from any such  expression  of
confidence,  outlook,  estimate, plan or goal are set forth below. The following
factors are not intended to be all-inclusive:

Factors that could cause such a  difference,  include but are not limited to the
following:  expected  cost  savings  may  not be  fully  realized  or may not be
realized  within the expected  time frame;  income or revenues may be lower than
expected or operating costs may be higher;  competitive pressures in the banking
and financial services  industries may increase  significantly;  the Company may
experience   business  disruption  related  to  implementation  of  programs  or
methodologies;  general economic  conditions  either nationally or in New Jersey
may be weaker  than  expected;  the effects of changes in legal  and  regulatory
barriers and structures;  or there may be other unanticipated  occurrences which
could  delay  the   implementation  of  all  or  part  of  planned  programs  or
initiatives, increase the costs associated with any such project or decrease the
financial benefits of any such project.
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.

                                   UNITED NATIONAL BANCORP

Dated: August 13, 1997              By: /s/ Thomas C. Gregor
                                       -------------------------
                                       Thomas C. Gregor
                                       Chairman, President and
                                          Chief Executive Officer