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):  July 11, 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.

            Not Applicable.

Item 5. Other Events.

            The Registrant received notice from the Office of the Comptroller of
            the Currency ("OCC") that the Plan of Merger between the Registrants
            two wholly owned subsidiary banks, Phillipsburg National Bank and
            Trust Company and Twin Rivers Community Bank has been approved. The
            resulting bank will trade under the name of Vista Bank, National
            Association. It is anticipated that the effective date for the Plan
            of Merger will be September 5, 2000.

Item 6. Resignations of Registrant's Directors.

            Not Applicable.

Item 7. Financial Statements and Exhibits.

            A copy of the OCC letter of approval with respect to the unification
            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: July 11, 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": "674816"}, "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):  July 11, 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.

            Not Applicable.

Item 5. Other Events.

            The Registrant received notice from the Office of the Comptroller of
            the Currency ("OCC") that the Plan of Merger between the Registrants
            two wholly owned subsidiary banks, Phillipsburg National Bank and
            Trust Company and Twin Rivers Community Bank has been approved. The
            resulting bank will trade under the name of Vista Bank, National
            Association. It is anticipated that the effective date for the Plan
            of Merger will be September 5, 2000.

Item 6. Resignations of Registrant's Directors.

            Not Applicable.

Item 7. Financial Statements and Exhibits.

            A copy of the OCC letter of approval with respect to the unification
            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: July 11, 2000                    /s/ Barbara Harding
                                       -----------------------------------------
                                       Barbara Harding, President and
                                       Chief Executive Officer