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):  October 3 1999



                                    NMBT CORP
             (Exact name of registrant as specified in its charter)


<TABLE>
<S>                                                     <C>                                           <C>
         Delaware                                       000-23419                                     06-1496548
-------------------------                        -----------------------                        ----------------------
     (State or other                             (Commission File Number)                            (IRS Employer
     jurisdiction of                                                                              Identification No.)
      incorporation)
</TABLE>



                                 55 MAIN STREET
                       NEW MILFORD, CONNECTICUT 06776-2400
--------------------------------------------------------------------------------
               (Address of principal executive offices) (Zip Code)


Registrant's telephone number, including area code: (860) 355-1171

--------------------------------------------------------------------------------


                               Page 1 of 5 pages
<PAGE>


ITEM 5.  OTHER EVENTS.

(a) On October 3, 1999, NMBT CORP ("NMBT") and Summit Bancorp ("Summit") entered
into an Agreement  and Plan of Merger (the "Merger  Agreement")  which  provides
for,  among  other  things,   the  acquisition  of  NMBT  by  Summit  through  a
stock-for-stock  exchange.  The  Merger  Agreement  provides  for the  following
alternative transactional  structures:  (i) the merger of NMBT into Summit; (ii)
the merger of NMBT into a wholly-owned subsidiary of Summit; or (iii) the merger
of a wholly-owned subsidiary of Summit into NMBT (the "Acquisition").  Under the
terms of the Merger Agreement, each NMBT shareholder will receive between 0.7024
and 0.9503  shares of Summit  common stock for each share of NMBT common  stock.
The exact exchange ratio will be determined  based on the price of Summit common
stock prior to closing as follows: (i) if the average of the closing prices of a
share of Summit common stock on the NYSE Composite Transactions List for the ten
consecutive  full trading days ending on a date to be  determined  which will be
between  five (5) and ten (10)  business  days  prior to the  closing  date (the
"Summit  Price"),  is equal to or between $27.36 and $37.02,  the exchange ratio
will be $26.00  divided  by that  average  price;  (ii) if the  Summit  Price is
greater than $37.02, the exchange ratio will be fixed at 0.7024 shares of Summit
common stock for each share of NMBT common  stock;  or (iii) if the Summit Price
is less than $27.36, the exchange ratio will be fixed at 0.9503 shares of Summit
common  stock for each share of NMBT common  stock.  The  transaction  will be a
tax-free  exchange to the holders of NMBT common stock and will be accounted for
on a purchase  basis.  The  Boards of  Directors  of NMBT and Summit  expect the
transaction to close in the first quarter of 2000.

     The  transaction may be terminated by the Board of Directors of NMBT if the
average  Summit  Price is less than  $26.39  and  reflects a 15% or more drop in
price as compared to an index  created from the current stock prices of fourteen
(14)  banking  institutions  deemed to be similar to Summit in terms of size and
other factors.

     The  Acquisition  is subject to  customary  conditions,  including  but not
limited to, the approval of federal bank regulatory authorities, the Connecticut
Banking  Commissioner and NMBT shareholders.

(b) In  connection  with the  Merger  Agreement,  NMBT has  issued  an option to
Summit,  which,  upon the  occurrence  of  certain  events,  entitles  Summit to
purchase  up to 19.9%  of the  outstanding  NMBT  common  stock  at a per  share
exercise price equal to $18.87.

     NMBT is headquartered in New Milford, Connecticut.



                               Page 2 of 5 pages
<PAGE>

     Except  for  the  historical  information  contained  herein,  the  matters
discussed  are  forward-looking  statements  made  pursuant  to the safe  harbor
provisions  of the  Private  Securities  Litigation  Reform  Act of 1995.  These
statements  involve risks and uncertainties,  such as quarterly  fluctuations in
operating results,  interest rate changes,  the impacts of competitive  products
and pricing,  government  regulation and other risks and uncertainties set forth
in the company's  filings with the  Securities  and Exchange  Commission.  These
risks and uncertainties could cause actual results to differ materially from any
forward-looking statements made herein.

ITEM 7.  FINANCIAL STATEMENTS AND EXHIBITS.

(c)  Exhibits.

     99.1 Joint News Release of Summit Bancorp and the Registrant  dated October
4, 1999.



                               Page 3 of 5 pages
<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.


                                        NMBT CORP
                                       (Registrant)



Date:  October 8, 1999                 /s/ Jay C. Lent
                                       ----------------------------
                                       Jay C. Lent
                                       Chief Financial Officer and
                                       Secretary





                               Page 4 of 5 pages
<PAGE>

                                  EXHIBIT INDEX

<TABLE>
<CAPTION>
Exhibit                                                                                 Sequential
Number                              Description                                         Page Number
------                              -----------                                         -----------
<S>                                 <C>                                                 <C>
99.1                                Joint News Release of Summit Bancorp and             6
                                    the Registrant dated October 4, 1999
</TABLE>





                               Page 5 of 5 pages
[{"type": "8-K", "sequence": "1", "description": "FORM 8-K", "secsgml_size_bytes": 6756}]
{"company-data": {"conformed-name": "NMBT CORP", "cik": "0001046520", "assigned-sic": "6022", "irs-number": "061496548", "state-of-incorporation": "DE", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-23419", "film-number": "99726290"}, "business-address": {"street1": "100 PARK LANE", "city": "NEW MILFORD", "state": "CT", "zip": "06776-2400", "phone": "8603551171"}, "mail-address": {"street1": "100 PARK LANE", "city": "NEW MILFORD", "state": "CT", "zip": "06776-2400"}}
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):  October 3 1999

                                    NMBT CORP
             (Exact name of registrant as specified in its charter)
Delaware                                       000-23419                                     06-1496548
-------------------------                        -----------------------                        ----------------------
     (State or other                             (Commission File Number)                            (IRS Employer
     jurisdiction of                                                                              Identification No.)
      incorporation)
55 MAIN STREET
                       NEW MILFORD, CONNECTICUT 06776-2400
--------------------------------------------------------------------------------
               (Address of principal executive offices) (Zip Code)

Registrant's telephone number, including area code: (860) 355-1171

--------------------------------------------------------------------------------

                               Page 1 of 5 pages
ITEM 5.  OTHER EVENTS.

(a) On October 3, 1999, NMBT CORP ("NMBT") and Summit Bancorp ("Summit") entered
into an Agreement  and Plan of Merger (the "Merger  Agreement")  which  provides
for,  among  other  things,   the  acquisition  of  NMBT  by  Summit  through  a
stock-for-stock  exchange.  The  Merger  Agreement  provides  for the  following
alternative transactional  structures:  (i) the merger of NMBT into Summit; (ii)
the merger of NMBT into a wholly-owned subsidiary of Summit; or (iii) the merger
of a wholly-owned subsidiary of Summit into NMBT (the "Acquisition").  Under the
terms of the Merger Agreement, each NMBT shareholder will receive between 0.7024
and 0.9503  shares of Summit  common stock for each share of NMBT common  stock.
The exact exchange ratio will be determined  based on the price of Summit common
stock prior to closing as follows: (i) if the average of the closing prices of a
share of Summit common stock on the NYSE Composite Transactions List for the ten
consecutive  full trading days ending on a date to be  determined  which will be
between  five (5) and ten (10)  business  days  prior to the  closing  date (the
"Summit  Price"),  is equal to or between $27.36 and $37.02,  the exchange ratio
will be $26.00  divided  by that  average  price;  (ii) if the  Summit  Price is
greater than $37.02, the exchange ratio will be fixed at 0.7024 shares of Summit
common stock for each share of NMBT common  stock;  or (iii) if the Summit Price
is less than $27.36, the exchange ratio will be fixed at 0.9503 shares of Summit
common  stock for each share of NMBT common  stock.  The  transaction  will be a
tax-free  exchange to the holders of NMBT common stock and will be accounted for
on a purchase  basis.  The  Boards of  Directors  of NMBT and Summit  expect the
transaction to close in the first quarter of 2000.

     The  transaction may be terminated by the Board of Directors of NMBT if the
average  Summit  Price is less than  $26.39  and  reflects a 15% or more drop in
price as compared to an index  created from the current stock prices of fourteen
(14)  banking  institutions  deemed to be similar to Summit in terms of size and
other factors.

     The  Acquisition  is subject to  customary  conditions,  including  but not
limited to, the approval of federal bank regulatory authorities, the Connecticut
Banking  Commissioner and NMBT shareholders.

(b) In  connection  with the  Merger  Agreement,  NMBT has  issued  an option to
Summit,  which,  upon the  occurrence  of  certain  events,  entitles  Summit to
purchase  up to 19.9%  of the  outstanding  NMBT  common  stock  at a per  share
exercise price equal to $18.87.

     NMBT is headquartered in New Milford, Connecticut.

                               Page 2 of 5 pages
Except  for  the  historical  information  contained  herein,  the  matters
discussed  are  forward-looking  statements  made  pursuant  to the safe  harbor
provisions  of the  Private  Securities  Litigation  Reform  Act of 1995.  These
statements  involve risks and uncertainties,  such as quarterly  fluctuations in
operating results,  interest rate changes,  the impacts of competitive  products
and pricing,  government  regulation and other risks and uncertainties set forth
in the company's  filings with the  Securities  and Exchange  Commission.  These
risks and uncertainties could cause actual results to differ materially from any
forward-looking statements made herein.

ITEM 7.  FINANCIAL STATEMENTS AND EXHIBITS.

(c)  Exhibits.

     99.1 Joint News Release of Summit Bancorp and the Registrant  dated October
4, 1999.

                               Page 3 of 5 pages
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.

                                        NMBT CORP
                                       (Registrant)

Date:  October 8, 1999                 /s/ Jay C. Lent
                                       ----------------------------
                                       Jay C. Lent
                                       Chief Financial Officer and
                                       Secretary

                               Page 4 of 5 pages
EXHIBIT INDEX
Exhibit                                                                                 Sequential
Number                              Description                                         Page Number
------                              -----------                                         -----------
99.1                                Joint News Release of Summit Bancorp and             6
                                    the Registrant dated October 4, 1999
Page 5 of 5 pages