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    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>UNITED
      STATES</strong></font></div>
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      AND EXCHANGE COMMISSION</strong></font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>WASHINGTON,
      DC 20549</strong></font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>_________</strong></font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman"><strong>FORM
      8-K</strong></font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>CURRENT
      REPORT</strong></font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Pursuant
      to Section 13 OR 15(d) of the Securities Exchange Act of
      1934</strong></font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><br></div>
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    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center">&#160;</div>
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          <tr bgcolor="#ffffff">
            <td width="55%" style="BORDER-BOTTOM: #ffffff solid"><font size="2">Date
              of
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            <td width="2%" style="BORDER-BOTTOM: #ffffff solid">&#160;</td>
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              <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font size="2">January
                4, 2006 </font></div>
            </td>
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        <table bgcolor="#ffffff" cellpadding="0" cellspacing="0" width="100%">

            <tr bgcolor="#ffffff">
              <td width="15%" style="BORDER-BOTTOM: #ffffff solid">&#160;</td>
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                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><strong>U.S.B.
                  HOLDING CO., INC. </strong></div>
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              <td width="45%" style="BORDER-BOTTOM: #000000 thin solid">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><strong><font size="2">100
                  Dutch Hill Road, Orangeburg, New
                  York </font></strong></div>
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            <td width="33.33%" style="BORDER-BOTTOM: #ffffff solid"><font size="2">Registrant's
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            <td width="33.33%" style="BORDER-BOTTOM: #ffffff solid">&#160;</td>
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                365-4600</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;</font></font></strong></div>
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    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
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        <table bgcolor="#ffffff" cellpadding="0" cellspacing="0" width="100%">

            <tr bgcolor="#ffffff">
              <td width="15%" style="BORDER-BOTTOM: #ffffff solid">&#160;</td>
              <td width="70%" style="BORDER-BOTTOM: #000000 thin solid">
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><strong><font size="2">Not
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              <td width="15%" style="BORDER-BOTTOM: #ffffff solid">&#160;</td>
            </tr>
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                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font size="2">(Former
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                  Last Report)</font></div>
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              <td width="15%">&#160;</td>
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      <div align="left">&#160;</div>
    </div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Check
      the
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                material pursuant to Rule 14a.-12 under the Exchange Act (17 CFR
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            </td>
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    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
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    <div>&#160;</div>
    <div>&#160;</div>
    <div id="PGBRK" style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
      <div id="FTR">
        <div id="GLFTR" style="WIDTH: 100%" align="left">&#160;</div>
      </div>
      <div id="PN" style="PAGE-BREAK-AFTER: always">
        <div style="WIDTH: 100%; TEXT-ALIGN: center">&#160;</div>
        <div style="WIDTH: 100%; TEXT-ALIGN: center">
          <hr style="COLOR: black" noshade size="2">
        </div>
      </div>
      <div id="HDR">
        <div id="GLHDR" style="WIDTH: 100%" align="right">&#160;</div>
      </div>
    </div>
    <div>&#160;</div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Item
      5.02</strong></font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 27pt">&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Departure
      of Directors or Principal Officers; Election of Directors; Appointment of
      Principal Officers.</strong></font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">On
      January 4, 2006, the Registrant issued a press release announcing that Thomas
      M.
      Buonaiuto has been appointed Executive Vice President and Chief Financial
      Officer of U.S.B. Holding Co., Inc. (the &#8220;Company&#8221;), Union State Bank (the
&#8220;Bank&#8221;), and the Bank&#8217;s wholly-owned subsidiaries Dutch Hill Realty Corp. and
      U.S.B. Financial Services, Inc. (the &#8220;Subsidiaries&#8221;). Steven T. Sabatini, Senior
      Executive Vice President and Chief Financial Officer, had previously announced
      his retirement on April 19, 2005. Mr. Sabatini&#8217;s official departure is on
      January 6, 2006. Mr. Buonaiuto&#8217;s appointments, approved on January 4, 2006 by
      the Company&#8217;s Board of Directors, became effective immediately. A copy of the
      press release is attached as an exhibit to this Current Report on Form
      8-K.</font></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Prior
      to
      being appointed Executive Vice President and Chief Financial Officer of the
      Company, the Bank, and Subsidiaries, Mr. Buonaiuto, age 40, was employed by
      Long
      Island Financial Corp. as Vice President Secretary-Treasurer (1999 to 2005),
      and
      its wholly-owned subsidiary, Long Island Commercial Bank, as Chief Financial
      Officer and Executive Vice President (1997 to 1999), and Senior Vice President,
      Senior Financial Officer, and Secretary (1992 to 1997).</font></div>
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    <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Item
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          <tr valign="top" style="LINE-HEIGHT: 1.25">
            <td style="WIDTH: 36pt">
              <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">99.1</font></div>
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              <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Press
                release dated January 4, 2006, announcing that Thomas M. Buonaiuto
                has
                been appointed Executive Vice President and Chief Financial Officer
                of
                U.S.B. Holding Co., Inc. and Union State
                Bank.</font></div>
            </td>
          </tr>

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      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.</font></div>
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            <td width="1%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;</font></td>
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            <td colspan="2"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">U.S.B.
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            <td><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;<br>&#160;</font></td>
            <td><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;<br>&#160;</font></td>
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            <td><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Date:&#160;January
              6, 2006</font></td>
            <td><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">By:&#160;&#160;</font></td>
            <td><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">/s/&#160;Thomas
              E. Hales</font></td>
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              <hr style="COLOR: #000000" align="left" noshade size="2" width="80%"><font size="2">Name:
              Thomas E. Hales</font></td>
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            <td><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Title:
              Chairman and C.E.O. </font></td>
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{"company-data": {"conformed-name": "USB HOLDING CO INC", "cik": "0000707805", "assigned-sic": "6022", "irs-number": "363197969", "state-of-incorporation": "DE", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "002-79734", "film-number": "06516190"}, "business-address": {"street1": "100 DUTCH HILL RD", "city": "ORANGEBURG", "state": "NY", "zip": "10962", "phone": "9143654600"}, "mail-address": {"street1": "100 DUTCH HILL ROAD", "city": "ORANGEBURG", "state": "NY", "zip": "10962"}}
UNITED
      STATES
SECURITIES
      AND EXCHANGE COMMISSION
WASHINGTON,
      DC 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)
January
                4, 2006
U.S.B.
                  HOLDING CO., INC.
(Exact
                  Name of Registrant as Specified in its
                  Charter)
Delaware
1-12811
36-3197969
(State
                or other
(Commission
(IRS
                Employer
jurisdiction
                of incorporation)
File
                Number)
Identification
                No.)
100
                  Dutch Hill Road, Orangeburg, New
                  York
10962
(Address
                  of Principal Executive
                  Offices)
(Zip
                  Code)
Registrant's
              telephone number, including area code
(845)
                365-4600
Not
                  Applicable
(Former
                  Name or Former Address, if Changed Since
                  Last Report)
Check
      the
      appropriate box below if the Form 8-K filing is intended to simultaneously
      satisfy the filing obligation of the registrant under any of the following
      provisions (see General Instruction A.2. below):
G
Written
                communications pursuant to Rule 425 under the Securities Act (17
                CFR
                230.425)
G
Soliciting
                material pursuant to Rule 14a.-12 under the Exchange Act (17 CFR
                240.14a-12)
G
Pre-commencement
                communications pursuant to Rule 14d-2(b) under the Exchange Act (17
                CFR
                240.14d-2(b))
G
Pre-commencement
                communications pursuant to Rule 13e-4(c) under the Exchange Act (17
                CFR
                240.13e-4(c))
Item
      5.02
Departure
      of Directors or Principal Officers; Election of Directors; Appointment of
      Principal Officers.
On
      January 4, 2006, the Registrant issued a press release announcing that Thomas
      M.
      Buonaiuto has been appointed Executive Vice President and Chief Financial
      Officer of U.S.B. Holding Co., Inc. (the "Company"), Union State Bank (the
"Bank"), and the Bank's wholly-owned subsidiaries Dutch Hill Realty Corp. and
      U.S.B. Financial Services, Inc. (the "Subsidiaries"). Steven T. Sabatini, Senior
      Executive Vice President and Chief Financial Officer, had previously announced
      his retirement on April 19, 2005. Mr. Sabatini's official departure is on
      January 6, 2006. Mr. Buonaiuto's appointments, approved on January 4, 2006 by
      the Company's Board of Directors, became effective immediately. A copy of the
      press release is attached as an exhibit to this Current Report on Form
      8-K.
Prior
      to
      being appointed Executive Vice President and Chief Financial Officer of the
      Company, the Bank, and Subsidiaries, Mr. Buonaiuto, age 40, was employed by
      Long
      Island Financial Corp. as Vice President Secretary-Treasurer (1999 to 2005),
      and
      its wholly-owned subsidiary, Long Island Commercial Bank, as Chief Financial
      Officer and Executive Vice President (1997 to 1999), and Senior Vice President,
      Senior Financial Officer, and Secretary (1992 to 1997).
Item
      9.01 Financial Statements and Exhibits
(c)
Exhibits
.
99.1
Press
                release dated January 4, 2006, announcing that Thomas M. Buonaiuto
                has
                been appointed Executive Vice President and Chief Financial Officer
                of
                U.S.B. Holding Co., Inc. and Union State
                Bank.
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.
U.S.B.
              HOLDING CO., INC.
Date: January
              6, 2006
By:
/s/ Thomas
              E. Hales
Name:
              Thomas E. Hales
Title:
              Chairman and C.E.O.