As filed with the Securities and Exchange Commission on June 6, 1997
                                           Registration No. 333-

                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549
                                ----------------
                                    FORM S-8

             REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933

                                   HUBCO, INC.
             (Exact name of registrant as specified in its charter)

         New Jersey                                       22-2405746
(State or other jurisdiction 
of incorporation or organization)                    (I.R.S. Employer
                                                     Identification No.)

                            1000 MacArthur Boulevard
                            Mahwah, New Jersey 07430
    (Address, including zip code of registrant's principal executive offices)

                          HUBCO, INC. AND SUBSIDIARIES
                           SAVINGS AND INVESTMENT PLAN
                            (Full title of the Plan)

       Kenneth T. Neilson, Chairman, President and Chief Executive Officer
                                   HUBCO, Inc.
                            1000 MacArthur Boulevard
                            Mahwah, New Jersey 07430
                                 (201) 236-2631
            (Name, address, including zip code, and telephone number,
                   including area code, of agent for service)
                                     -------
                                 With a Copy to:
                              Ronald H. Janis, Esq.
                          Pitney, Hardin, Kipp & Szuch
                                  P.O. Box 1945
                          Morristown, New Jersey 07962
                                 (201) 966-8263
<TABLE>
<CAPTION>
                         CALCULATION OF REGISTRATION FEE
<S>                      <C>                    <C>                    <C>                     <C>                   
------------------------ ---------------------- ---------------------- ----------------------- ----------------------
  Title of securities        Amount to be         Proposed maximum        Proposed maximum           Amount of
   to be registered          registered(1)         offering price        aggregate offering      registration fee
                                                      per share               price(2)
------------------------ ---------------------- ---------------------- ----------------------- ----------------------
Common Stock, no par         900,000 shares            $25.81                 $23,229,000              $7,039.00      
value

Interests in the HUBCO,
Inc. and Subsidiaries
Savings and Investment
Plan                               (1)                    N/A                     N/A                     N/A
------------------------ ---------------------- ---------------------- ----------------------- ----------------------
</TABLE>
--------
(1) Pursuant to Rule 416(c)  under the  Securities   Act of 1933,  this
registration  statement also covers an  indeterminate  amount of interests to be
offered or sold  pursuant to the employee  benefit plan  described  herein.

(2)Estimated  in accordance  with Rule 457(h) solely for purposes of calculating
the  registration  fee based upon the average of the high and low sale prices of
the Common  Stock on the Nasdaq  National  Market on June 2, 1997 as reported in
The Wall Street Journal.


<PAGE>
                                     PART I
              INFORMATION REQUIRED IN THE SECTION 10(a) PROSPECTUS

ITEM 1   Plan Information
         ----------------

         Not filed with this Registration Statement.

ITEM 2   Registrant Information and Employee Plan Annual Information
         -----------------------------------------------------------

         Not filed with this Registration Statement.


<PAGE>


                                     PART II

               INFORMATION REQUIRED IN THE REGISTRATION STATEMENT

ITEM 3   Documents Incorporated By Reference
         -----------------------------------

         The following  documents  filed by HUBCO,  Inc. (the  "Company") or the
HUBCO,  Inc. and Subsidiaries  Savings and Investment Plan (the "Plan") with the
Securities  and Exchange  Commission  (the  "Commission")  are  incorporated  by
reference in this Registration Statement:

    1.   The  Company's  1995  Annual  Report  on Form  10-K for the year  ended
         December 31, 1996; and

    2.   The  Company's  Quarterly  Reports on Form 10-Q for the  quarter  ended
         March 31, 1997.

    3.   Current  Reports  on Form 8-K filed with the  Commission  on January 8,
         1997; January 23, 1997; February 11, 1997; and February 21, 1997.

    4.   The Plan's Annual  Report on Form 11-K for the year ended  December 31,
         1995.

    5.   The  description  of  the  Company's  common  stock  contained  in  the
         Registration  Statement  on Form 8-A filed by the  Company  pursuant to
         Section 12(g) of the Exchange Act of 1934.

         In addition,  all documents  filed by the Company and the Plan pursuant
to Section 13(a),  13(c),  14 and 15(d) of the Securities  Exchange Act of 1934,
prior to the  filing of a  post-effective  amendment  which  indicates  that all
securities  offered  have been sold or which  deregisters  all  securities  then
remaining  unsold,  hereby are  incorporated  herein by  reference  and shall be
deemed a part hereof from the date of filing of such documents.

ITEM 4   Description of Securities
         -------------------------

         Not applicable.

ITEM 5   Interests of Named Experts and Counsel
         --------------------------------------

         Certain  legal  matters  relating to the  issuance of the shares of the
Company's  Common Stock offered hereby have been passed upon by Pitney,  Hardin,
Kipp & Szuch,  counsel  to the  Company.  Attorneys  in the law firm of  Pitney,
Hardin,  Kipp & Szuch  beneficially own 631 shares of the Company's common stock
as of June 3, 1997.

         The consolidated financial statements of the Company as of December 31,
1996 and 1995 and for each of the years in the three year period ended  December
31, 1996,  included in the Company's Annual Report on Form 10-K and incorporated
by reference  herein,  have been audited by Arthur  Andersen  LLP,  independent
public  accountants,  as indicated in their report dated February 7, 1997,  with
respect  thereto,  and are incorporated by reference herein in reliance upon the
authority of said firm as experts in giving said report.

ITEM 6   Indemnification of Directors and Officers
         -----------------------------------------

         (a)  Limitation  of  Liability  of  Directors  and  Officers.   Section
         14A:2-7(3)  of the  New  Jersey  Business  Corporation  Act  permits  a
         corporation  to  provide in its  Certificate  of  Incorporation  that a
         director or officer shall not be personally  liable to the  corporation
         or its  shareholders  for breach of any duty owed to the corporation or
         its  shareholders,  except  that such  provisions  shall not  relieve a
         director or officer from liability for any breach of duty based upon an
         action or omission  (a) in breach of such  person's  duty of loyalty to
         the corporation or its shareholders, (b) not in good faith or involving
         a knowing  violation of law or (c)  resulting in receipt by such person
         of  any  improper  personal   benefit.   Article  X  of  the  Company's
         Certificate of  Incorporation  includes  limitation on the liability of
         officers and  directors to the fullest  extent  permitted by New Jersey
         law.

         (b) Indemnification of Directors, Officers, Employees and Agents. Under
         Article VI of its  Certificate  of  Incorporation,  HUBCO must,  to the
         fullest extent  permitted by law,  indemnify its  directors,  officers,
         employees  and  agents.  Section  14A:3-5  of the New  Jersey  Business
         Corporation   Act  provides  that  a  corporation   may  indemnify  its
         directors,  officers,  employees and agents against  judgments,  fines,
         penalties,   amounts  paid  in  settlement   and  expenses,   including
         attorneys'  fees,  resulting  from  various  types of legal  actions or
         proceedings  if the  actions of the party  being  indemnified  meet the
         standards  of  conduct  specified  therein.  Determinations  concerning
         whether or not the  applicable  standard of conduct has been met can be
         made by (a) a  disinterested  majority of the Board of  Directors,  (b)
         independent legal counsel,  or (c) an affirmative vote of a majority of
         shares held by the shareholders.  No indemnification is permitted to be
         made to or on behalf of a  corporate  director,  officer,  employee  or
         agent if a judgment or other final adjudication  adverse to such person
         establishes  that his acts or omissions  (a) were in breach of his duty
         of loyalty to the corporation or its shareholders, (b) were not in good
         faith or involved a knowing violation of law or (c) resulted in receipt
         by such person of an improper personal benefit.

         (c) Insurance.  The Company maintains  insurance  policies insuring the
         Company's directors and officers against liability for wrongful acts or
         omissions  arising out of their  positions as directors  and  officers,
         subject to certain limitations.

ITEM 7   Exemption from Registration Claimed
         -----------------------------------

         Not applicable.

ITEM 8   Exhibits
         --------

   5     Opinion of Pitney, Hardin, Kipp & Szuch

   23(a) Consent of Arthur Andersen LLP

   23(b) Consent of Pitney, Hardin, Kipp & Szuch (included in Exhibit 5)

   99    HUBCO,  Inc. and Subsidiaries  Savings and Investment Plan Summary Plan
         Description.

           Undertaking  number  2 of  Item 9 below  is  hereby  incorporated  by
reference in this Item 8.

ITEM 9   Undertakings
         ------------

    1.   The undersigned registrant hereby undertakes:

         (a) To file, during any period in which offers or sales are being made,
         a  post-effective  amendment  to  this  registration  statement  (i) to
         include  any  material   information   with  respect  to  the  Plan  of
         distribution not previously disclosed in the Registration  Statement or
         any material change to such information in the Registration Statement.

         (b)  That,  for  purposes  of  determining   any  liability  under  the
         Securities Act of 1933,  each such  post-effective  amendment  shall be
         deemed to be a new  registration  statement  relating to the securities
         offered therein, and the offering of such securities at that time shall
         be deemed to be the initial bona fide offering thereof.

         (c) To remove from registration by means of a post-effective  amendment
         any of the  securities  being  registered  which  remain  unsold at the
         termination of the offering.

    2.   The undersigned registrant hereby undertakes to submit the plan and any
         amendments  thereto to the Internal Revenue Service ("IRS") in a timely
         manner and to make all changes  required by the IRS in order to qualify
         the Plan under  section 401 of the internal  Revenue  Code of 1986,  as
         amended to date.

    3.   The  undersigned  registrant  hereby  undertakes  that, for purposes of
         determining any liability under the Securities Act of 1933, each filing
         of the registrant's  annual report pursuant to Section 13(a) or Section
         15(d) of the Securities  Exchange Act of 1934 (and,  where  applicable,
         each filing of an employee  benefit  plan's annual  report  pursuant to
         Section  15(d)  of  the  Securities  Exchange  Act  of  1934)  that  is
         incorporated  by  reference  in this  Registration  Statement  shall be
         deemed to be a new  registration  statement  relating to the securities
         offered therein, and the offering of such securities at that time shall
         be deemed to be the initial bona fide offering thereof.

    4.   Insofar as indemnification for liabilities arising under the Securities
         Act of 1933 may be permitted  to  directors,  officers and  controlling
         persons of the  registrant  pursuant to the  foregoing  provisions,  or
         otherwise,  the  registrant has been advised that in the opinion of the
         Securities  and Exchange  Commission  such  indemnification  is against
         public policy as expressed in the Act and is, therefore, unenforceable.
         In the event that a claim for indemnification  against such liabilities
         (other than the payment by the registrant of expenses  incurred or paid
         by a director,  officer or controlling  person of the registrant in the
         successful  defense of any action,  suit or  proceeding) is asserted by
         such  director,  officer or controlling  person in connection  with the
         securities being registered, the registrant will, unless in the opinion
         of its counsel the matter has been  settled by  controlling  precedent,
         submit to a court of appropriate jurisdiction the question whether such
         indemnification  by it is against public policy as expressed in the Act
         and will be governed by the final adjudication of such issue.


<PAGE>

                                   SIGNATURES

     Pursuant to the  requirement  of the Securities Act of 1933, the registrant
certifies  that it has  reasonable  grounds  to  believe  that it meets  all the
requirements  for  filing  on Form S-8 and has  duly  caused  this  Registration
Statement  to be  signed  on its  behalf  by  the  undersigned,  thereunto  duly
authorized,  in the  Township of Mahwah,  State of New Jersey,  on December  17,
1996.

                                     HUBCO, INC.

                                     By: /S/ KENNETH T. NEILSON
                                         _____________________________________
                                         Kenneth T. Neilson, Chairman, President
                                           and Chief Executive Officer

     Pursuant  to  the   requirements  of  the  Securities  Act  of  1933,  this
Registration  Statement  has  been  signed  by  the  following  persons  in  the
capacities and on the dates indicated.

<TABLE>
<CAPTION>
<S>                                                 <C>                               <C>
                  Signature                                     Title                              Date

/S/ KENNETH T. NEILSON                               Chairman, President, Chief       December 17, 1996
-------------------------------------------        Executive Officer and Director
(Kenneth T. Neilson)                               (Principal Executive Officer)
                                                   

/S/ ROBERT J. BURKE                                           Director                December 17, 1996
-------------------------------------------
(Robert J. Burke)

                                                              Director
-------------------------------------------                   
(Donald P. Calcagnini)

/S/ JOAN DAVID                                                Director                December 17, 1996
-------------------------------------------
(Joan David)

/S/ THOMAS T. FARLEY                                          Director                December 17, 1996
-------------------------------------------
(Thomas R. Farley)

                                                              Director
-------------------------------------------                   
(Robert B. Goldstein)

/S/ BRYANT MALCOLM                                            Director                December 17, 1996
-------------------------------------------
(Bryant Malcolm)

                                                              Director
-------------------------------------------                   
(W. Peter McBride)

/S/ CHARLES F.X. POGGI                                        Director                December 17, 1996
-------------------------------------------
(Charles F.X. Poggi)

/S/ JAMES E. SCHIERLOH                                        Director                December 17, 1996
-------------------------------------------
(James E. Schierloh)

                                                              Director
-------------------------------------------                  
(John Tatigian)

                                                              Director
-------------------------------------------                   
 (Sister Grace Frances Strauber)

/S/ CHRISTINA L. MAIER                              Assistant Treasurer (Senior       December 17, 1996
-------------------------------------------       Financial Officer and Principal 
(Christina L. Maier)                                    Accounting Officer)

</TABLE>
<PAGE>


                                   SIGNATURES

         Pursuant to the  requirements  of the  Securities Act of 1933, the Plan
administrators  have duly caused  this  Registration  Statement  to be signed on
their behalf by the undersigned,  thereunto duly authorized,  in the Township of
Mahwah, State of New Jersey, on December 17, 1996.


                                        HUBCO, INC. AND SUBSIDIARIES SAVINGS AND
                                          INVESTMENT PLAN FOR NON-BARGAINING 
                                          UNIT EMPLOYEES


                                        By:  /S/ KAREN A. FOLEY
                                             --------------------------------
                                             Karen A. Foley
                                             Plan Administrator


<PAGE>


                                INDEX TO EXHIBITS


Exhibit No.                        Description
----------                         -----------

Exhibit 5                   Opinion of Pitney, Hardin, Kipp & Szuch

Exhibit 23(a)               Consent of Arthur Andersen LLP

Exhibit 23(b)               Consent of Pitney, Hardin, Kipp & Szuch
                            (included in Exhibit 5)

Exhibit 99                  HUBCO, Inc. and Subsidiaries Savings and Investment
                            Plan Summary Plan Description
[{"type": "S-8", "sequence": "1", "description": "REGISTRATION STATEMENT", "secsgml_size_bytes": 18828}]
{"company-data": {"conformed-name": "HUBCO INC", "cik": "0000703559", "assigned-sic": "6022", "irs-number": "222405746", "state-of-incorporation": "NJ", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "S-8", "act": "33", "file-number": "333-28733", "film-number": "97620536"}, "business-address": {"street1": "1000 MACARTHUR BLVD", "city": "MAHWAH", "state": "NJ", "zip": "07430", "phone": "2012362200"}, "mail-address": {"street1": "1000 MACARTHUR BLVD", "city": "MAHWAH", "state": "NJ", "zip": "07430"}}
As filed with the Securities and Exchange Commission on June 6, 1997
                                           Registration No. 333-

                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549
                                ----------------
                                    FORM S-8

             REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933

                                   HUBCO, INC.
             (Exact name of registrant as specified in its charter)

         New Jersey                                       22-2405746
(State or other jurisdiction 
of incorporation or organization)                    (I.R.S. Employer
                                                     Identification No.)

                            1000 MacArthur Boulevard
                            Mahwah, New Jersey 07430
    (Address, including zip code of registrant's principal executive offices)

                          HUBCO, INC. AND SUBSIDIARIES
                           SAVINGS AND INVESTMENT PLAN
                            (Full title of the Plan)

       Kenneth T. Neilson, Chairman, President and Chief Executive Officer
                                   HUBCO, Inc.
                            1000 MacArthur Boulevard
                            Mahwah, New Jersey 07430
                                 (201) 236-2631
            (Name, address, including zip code, and telephone number,
                   including area code, of agent for service)
                                     -------
                                 With a Copy to:
                              Ronald H. Janis, Esq.
                          Pitney, Hardin, Kipp & Szuch
                                  P.O. Box 1945
                          Morristown, New Jersey 07962
                                 (201) 966-8263
CALCULATION OF REGISTRATION FEE
------------------------ ---------------------- ---------------------- ----------------------- ----------------------
  Title of securities        Amount to be         Proposed maximum        Proposed maximum           Amount of
   to be registered          registered(1)         offering price        aggregate offering      registration fee
                                                      per share               price(2)
------------------------ ---------------------- ---------------------- ----------------------- ----------------------
Common Stock, no par         900,000 shares            $25.81                 $23,229,000              $7,039.00      
value

Interests in the HUBCO,
Inc. and Subsidiaries
Savings and Investment
Plan                               (1)                    N/A                     N/A                     N/A
------------------------ ---------------------- ---------------------- ----------------------- ----------------------
--------
(1) Pursuant to Rule 416(c)  under the  Securities   Act of 1933,  this
registration  statement also covers an  indeterminate  amount of interests to be
offered or sold  pursuant to the employee  benefit plan  described  herein.

(2)Estimated  in accordance  with Rule 457(h) solely for purposes of calculating
the  registration  fee based upon the average of the high and low sale prices of
the Common  Stock on the Nasdaq  National  Market on June 2, 1997 as reported in
The Wall Street Journal.
PART I
              INFORMATION REQUIRED IN THE SECTION 10(a) PROSPECTUS

ITEM 1   Plan Information
         ----------------

         Not filed with this Registration Statement.

ITEM 2   Registrant Information and Employee Plan Annual Information
         -----------------------------------------------------------

         Not filed with this Registration Statement.
PART II

               INFORMATION REQUIRED IN THE REGISTRATION STATEMENT

ITEM 3   Documents Incorporated By Reference
         -----------------------------------

         The following  documents  filed by HUBCO,  Inc. (the  "Company") or the
HUBCO,  Inc. and Subsidiaries  Savings and Investment Plan (the "Plan") with the
Securities  and Exchange  Commission  (the  "Commission")  are  incorporated  by
reference in this Registration Statement:

    1.   The  Company's  1995  Annual  Report  on Form  10-K for the year  ended
         December 31, 1996; and

    2.   The  Company's  Quarterly  Reports on Form 10-Q for the  quarter  ended
         March 31, 1997.

    3.   Current  Reports  on Form 8-K filed with the  Commission  on January 8,
         1997; January 23, 1997; February 11, 1997; and February 21, 1997.

    4.   The Plan's Annual  Report on Form 11-K for the year ended  December 31,
         1995.

    5.   The  description  of  the  Company's  common  stock  contained  in  the
         Registration  Statement  on Form 8-A filed by the  Company  pursuant to
         Section 12(g) of the Exchange Act of 1934.

         In addition,  all documents  filed by the Company and the Plan pursuant
to Section 13(a),  13(c),  14 and 15(d) of the Securities  Exchange Act of 1934,
prior to the  filing of a  post-effective  amendment  which  indicates  that all
securities  offered  have been sold or which  deregisters  all  securities  then
remaining  unsold,  hereby are  incorporated  herein by  reference  and shall be
deemed a part hereof from the date of filing of such documents.

ITEM 4   Description of Securities
         -------------------------

         Not applicable.

ITEM 5   Interests of Named Experts and Counsel
         --------------------------------------

         Certain  legal  matters  relating to the  issuance of the shares of the
Company's  Common Stock offered hereby have been passed upon by Pitney,  Hardin,
Kipp & Szuch,  counsel  to the  Company.  Attorneys  in the law firm of  Pitney,
Hardin,  Kipp & Szuch  beneficially own 631 shares of the Company's common stock
as of June 3, 1997.

         The consolidated financial statements of the Company as of December 31,
1996 and 1995 and for each of the years in the three year period ended  December
31, 1996,  included in the Company's Annual Report on Form 10-K and incorporated
by reference  herein,  have been audited by Arthur  Andersen  LLP,  independent
public  accountants,  as indicated in their report dated February 7, 1997,  with
respect  thereto,  and are incorporated by reference herein in reliance upon the
authority of said firm as experts in giving said report.

ITEM 6   Indemnification of Directors and Officers
         -----------------------------------------

         (a)  Limitation  of  Liability  of  Directors  and  Officers.   Section
         14A:2-7(3)  of the  New  Jersey  Business  Corporation  Act  permits  a
         corporation  to  provide in its  Certificate  of  Incorporation  that a
         director or officer shall not be personally  liable to the  corporation
         or its  shareholders  for breach of any duty owed to the corporation or
         its  shareholders,  except  that such  provisions  shall not  relieve a
         director or officer from liability for any breach of duty based upon an
         action or omission  (a) in breach of such  person's  duty of loyalty to
         the corporation or its shareholders, (b) not in good faith or involving
         a knowing  violation of law or (c)  resulting in receipt by such person
         of  any  improper  personal   benefit.   Article  X  of  the  Company's
         Certificate of  Incorporation  includes  limitation on the liability of
         officers and  directors to the fullest  extent  permitted by New Jersey
         law.

         (b) Indemnification of Directors, Officers, Employees and Agents. Under
         Article VI of its  Certificate  of  Incorporation,  HUBCO must,  to the
         fullest extent  permitted by law,  indemnify its  directors,  officers,
         employees  and  agents.  Section  14A:3-5  of the New  Jersey  Business
         Corporation   Act  provides  that  a  corporation   may  indemnify  its
         directors,  officers,  employees and agents against  judgments,  fines,
         penalties,   amounts  paid  in  settlement   and  expenses,   including
         attorneys'  fees,  resulting  from  various  types of legal  actions or
         proceedings  if the  actions of the party  being  indemnified  meet the
         standards  of  conduct  specified  therein.  Determinations  concerning
         whether or not the  applicable  standard of conduct has been met can be
         made by (a) a  disinterested  majority of the Board of  Directors,  (b)
         independent legal counsel,  or (c) an affirmative vote of a majority of
         shares held by the shareholders.  No indemnification is permitted to be
         made to or on behalf of a  corporate  director,  officer,  employee  or
         agent if a judgment or other final adjudication  adverse to such person
         establishes  that his acts or omissions  (a) were in breach of his duty
         of loyalty to the corporation or its shareholders, (b) were not in good
         faith or involved a knowing violation of law or (c) resulted in receipt
         by such person of an improper personal benefit.

         (c) Insurance.  The Company maintains  insurance  policies insuring the
         Company's directors and officers against liability for wrongful acts or
         omissions  arising out of their  positions as directors  and  officers,
         subject to certain limitations.

ITEM 7   Exemption from Registration Claimed
         -----------------------------------

         Not applicable.

ITEM 8   Exhibits
         --------

   5     Opinion of Pitney, Hardin, Kipp & Szuch

   23(a) Consent of Arthur Andersen LLP

   23(b) Consent of Pitney, Hardin, Kipp & Szuch (included in Exhibit 5)

   99    HUBCO,  Inc. and Subsidiaries  Savings and Investment Plan Summary Plan
         Description.

           Undertaking  number  2 of  Item 9 below  is  hereby  incorporated  by
reference in this Item 8.

ITEM 9   Undertakings
         ------------

    1.   The undersigned registrant hereby undertakes:

         (a) To file, during any period in which offers or sales are being made,
         a  post-effective  amendment  to  this  registration  statement  (i) to
         include  any  material   information   with  respect  to  the  Plan  of
         distribution not previously disclosed in the Registration  Statement or
         any material change to such information in the Registration Statement.

         (b)  That,  for  purposes  of  determining   any  liability  under  the
         Securities Act of 1933,  each such  post-effective  amendment  shall be
         deemed to be a new  registration  statement  relating to the securities
         offered therein, and the offering of such securities at that time shall
         be deemed to be the initial bona fide offering thereof.

         (c) To remove from registration by means of a post-effective  amendment
         any of the  securities  being  registered  which  remain  unsold at the
         termination of the offering.

    2.   The undersigned registrant hereby undertakes to submit the plan and any
         amendments  thereto to the Internal Revenue Service ("IRS") in a timely
         manner and to make all changes  required by the IRS in order to qualify
         the Plan under  section 401 of the internal  Revenue  Code of 1986,  as
         amended to date.

    3.   The  undersigned  registrant  hereby  undertakes  that, for purposes of
         determining any liability under the Securities Act of 1933, each filing
         of the registrant's  annual report pursuant to Section 13(a) or Section
         15(d) of the Securities  Exchange Act of 1934 (and,  where  applicable,
         each filing of an employee  benefit  plan's annual  report  pursuant to
         Section  15(d)  of  the  Securities  Exchange  Act  of  1934)  that  is
         incorporated  by  reference  in this  Registration  Statement  shall be
         deemed to be a new  registration  statement  relating to the securities
         offered therein, and the offering of such securities at that time shall
         be deemed to be the initial bona fide offering thereof.

    4.   Insofar as indemnification for liabilities arising under the Securities
         Act of 1933 may be permitted  to  directors,  officers and  controlling
         persons of the  registrant  pursuant to the  foregoing  provisions,  or
         otherwise,  the  registrant has been advised that in the opinion of the
         Securities  and Exchange  Commission  such  indemnification  is against
         public policy as expressed in the Act and is, therefore, unenforceable.
         In the event that a claim for indemnification  against such liabilities
         (other than the payment by the registrant of expenses  incurred or paid
         by a director,  officer or controlling  person of the registrant in the
         successful  defense of any action,  suit or  proceeding) is asserted by
         such  director,  officer or controlling  person in connection  with the
         securities being registered, the registrant will, unless in the opinion
         of its counsel the matter has been  settled by  controlling  precedent,
         submit to a court of appropriate jurisdiction the question whether such
         indemnification  by it is against public policy as expressed in the Act
         and will be governed by the final adjudication of such issue.
SIGNATURES

     Pursuant to the  requirement  of the Securities Act of 1933, the registrant
certifies  that it has  reasonable  grounds  to  believe  that it meets  all the
requirements  for  filing  on Form S-8 and has  duly  caused  this  Registration
Statement  to be  signed  on its  behalf  by  the  undersigned,  thereunto  duly
authorized,  in the  Township of Mahwah,  State of New Jersey,  on December  17,
1996.

                                     HUBCO, INC.

                                     By: /S/ KENNETH T. NEILSON
                                         _____________________________________
                                         Kenneth T. Neilson, Chairman, President
                                           and Chief Executive Officer

     Pursuant  to  the   requirements  of  the  Securities  Act  of  1933,  this
Registration  Statement  has  been  signed  by  the  following  persons  in  the
capacities and on the dates indicated.
Signature                                     Title                              Date

/S/ KENNETH T. NEILSON                               Chairman, President, Chief       December 17, 1996
-------------------------------------------        Executive Officer and Director
(Kenneth T. Neilson)                               (Principal Executive Officer)
                                                   

/S/ ROBERT J. BURKE                                           Director                December 17, 1996
-------------------------------------------
(Robert J. Burke)

                                                              Director
-------------------------------------------                   
(Donald P. Calcagnini)

/S/ JOAN DAVID                                                Director                December 17, 1996
-------------------------------------------
(Joan David)

/S/ THOMAS T. FARLEY                                          Director                December 17, 1996
-------------------------------------------
(Thomas R. Farley)

                                                              Director
-------------------------------------------                   
(Robert B. Goldstein)

/S/ BRYANT MALCOLM                                            Director                December 17, 1996
-------------------------------------------
(Bryant Malcolm)

                                                              Director
-------------------------------------------                   
(W. Peter McBride)

/S/ CHARLES F.X. POGGI                                        Director                December 17, 1996
-------------------------------------------
(Charles F.X. Poggi)

/S/ JAMES E. SCHIERLOH                                        Director                December 17, 1996
-------------------------------------------
(James E. Schierloh)

                                                              Director
-------------------------------------------                  
(John Tatigian)

                                                              Director
-------------------------------------------                   
 (Sister Grace Frances Strauber)

/S/ CHRISTINA L. MAIER                              Assistant Treasurer (Senior       December 17, 1996
-------------------------------------------       Financial Officer and Principal 
(Christina L. Maier)                                    Accounting Officer)
SIGNATURES

         Pursuant to the  requirements  of the  Securities Act of 1933, the Plan
administrators  have duly caused  this  Registration  Statement  to be signed on
their behalf by the undersigned,  thereunto duly authorized,  in the Township of
Mahwah, State of New Jersey, on December 17, 1996.

                                        HUBCO, INC. AND SUBSIDIARIES SAVINGS AND
                                          INVESTMENT PLAN FOR NON-BARGAINING 
                                          UNIT EMPLOYEES

                                        By:  /S/ KAREN A. FOLEY
                                             --------------------------------
                                             Karen A. Foley
                                             Plan Administrator
INDEX TO EXHIBITS

Exhibit No.                        Description
----------                         -----------

Exhibit 5                   Opinion of Pitney, Hardin, Kipp & Szuch

Exhibit 23(a)               Consent of Arthur Andersen LLP

Exhibit 23(b)               Consent of Pitney, Hardin, Kipp & Szuch
                            (included in Exhibit 5)

Exhibit 99                  HUBCO, Inc. and Subsidiaries Savings and Investment
                            Plan Summary Plan Description