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 21, 2000

                               Vista Bancorp, Inc.
             ------------------------------------------------------
             (Exact name of registrant as specified in its charter)

        New Jersey                    0-21264                  22-2870972
        ----------                  ------------           ----------------
(State or other jurisdiction        (Commission            (I.R.S. employer
     of incorporation)              file number)                Id. No.)

305 Roseberry Street, P.O. Box 5360, Phillipsburg, New Jersey         08865
-------------------------------------------------------------      ----------
(Address of Principal Executive Offices)                           (Zip Code)

Registrant's telephone number, including area code: (908) 859-9500

Former name or former address, if changed from last report: Not Applicable.

<PAGE>

                               VISTA BANCORP, INC.
                                    FORM 8-K

Item 1.     Changes in Control of Registrant

            Not Applicable.

Item 2.     Acquisition or Disposition of Assets.

            Not Applicable.

Item 3.     Bankruptcy or Receivership.

            Not Applicable.

Item 4.     Changes in Registrant's Certifying Accountant.

            As of 12:00 a.m. on Monday, August 21, 2000, the Registrant
            completed its Plan of Merger between its two wholly owned subsidiary
            banks, Phillipsburg National Bank and Trust Company and Twin Rivers
            Community Bank. The resulting bank will trade under the name of
            Vista Bank, National Association.

Item 5.     Other Events.

            Not Applicable

Item 6.     Resignations of Registrant's Directors.

            Not Applicable.

Item 7.     Financial Statements and Exhibits.

            A copy of the official letter of certification from the Comptroller
            of the Currency reflecting the effective date is attached hereto and
            incorporated in its entirety herein.

Item 8.     Change in fiscal year.

            Not Applicable
<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 hereunto duly authorized.

                                          VISTA BANCORP, INC.
                                          -------------------
                                          (Registrant)


Date:  August 21, 2000              /s/ Barbara Harding
                                    ------------------------------------------
                                    Barbara Harding, President and
                                    Chief Executive Officer
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{"company-data": {"conformed-name": "VISTA BANCORP INC", "cik": "0000831979", "assigned-sic": "6021", "irs-number": "222870972", "state-of-incorporation": "NJ", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-21264", "film-number": "708811"}, "business-address": {"street1": "305 ROSEBERRY ST", "street2": "P O BOX 5360", "city": "PHILLIPSBURG", "state": "NJ", "zip": "08865", "phone": "9088599500"}, "mail-address": {"street1": "305 ROSEBERRY STREET", "street2": "PO BOX 5360", "city": "PHILLIPSBURG", "state": "NJ", "zip": "08865-5360"}}
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 21, 2000

                               Vista Bancorp, Inc.
             ------------------------------------------------------
             (Exact name of registrant as specified in its charter)

        New Jersey                    0-21264                  22-2870972
        ----------                  ------------           ----------------
(State or other jurisdiction        (Commission            (I.R.S. employer
     of incorporation)              file number)                Id. No.)

305 Roseberry Street, P.O. Box 5360, Phillipsburg, New Jersey         08865
-------------------------------------------------------------      ----------
(Address of Principal Executive Offices)                           (Zip Code)

Registrant's telephone number, including area code: (908) 859-9500

Former name or former address, if changed from last report: Not Applicable.
VISTA BANCORP, INC.
                                    FORM 8-K

Item 1.     Changes in Control of Registrant

            Not Applicable.

Item 2.     Acquisition or Disposition of Assets.

            Not Applicable.

Item 3.     Bankruptcy or Receivership.

            Not Applicable.

Item 4.     Changes in Registrant's Certifying Accountant.

            As of 12:00 a.m. on Monday, August 21, 2000, the Registrant
            completed its Plan of Merger between its two wholly owned subsidiary
            banks, Phillipsburg National Bank and Trust Company and Twin Rivers
            Community Bank. The resulting bank will trade under the name of
            Vista Bank, National Association.

Item 5.     Other Events.

            Not Applicable

Item 6.     Resignations of Registrant's Directors.

            Not Applicable.

Item 7.     Financial Statements and Exhibits.

            A copy of the official letter of certification from the Comptroller
            of the Currency reflecting the effective date is attached hereto and
            incorporated in its entirety herein.

Item 8.     Change in fiscal year.

            Not Applicable
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 hereunto duly authorized.

                                          VISTA BANCORP, INC.
                                          -------------------
                                          (Registrant)

Date:  August 21, 2000              /s/ Barbara Harding
                                    ------------------------------------------
                                    Barbara Harding, President and
                                    Chief Executive Officer