As filed with the Securities and Exchange Commission on August 14, 1998

                                                 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                     (I.R.S. Employer
     of incorporation or organization)                Identification No.)


                            1000 MACARTHUR BOULEVARD
                            MAHWAH, NEW JERSEY 07430
    -------------------------------------------------------------------------
    (Address, including zip code of registrant's principal executive offices)


                             1995 STOCK OPTION PLAN
                    (FORMERLY A PLAN OF IBS FINANCIAL CORP.)
                    ----------------------------------------
                            (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:
                            Michael W. Zelenty, Esq.
                          Pitney, Hardin, Kipp & Szuch
                                  P.O. Box 1945
                          Morristown, New Jersey 07962
                                 (973) 966-8125

<TABLE>
<CAPTION>

                         CALCULATION OF REGISTRATION FEE

==================================================================================================================
 Title of securities    |       Amount         |    Proposed maximum   |    Proposed maximum   |      Amount of
      to be             |        to be         |      offering price   |  aggregate offering   |     registration 
   registered           |    registered (1)    |      per share(2)     |        price (2)      |        fee 
==================================================================================================================
<S>                     |     <C>              |     <C>               |   <C>                 |    <C>  
Common Stock, no par    |     674,347 shares   |      $30.25           |    $20,398,997        |      $6,018
  value                 |                      |                       |                       |
==================================================================================================================
</TABLE>

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

(1)  This Registration Statement also covers, in addition to the number of
     shares of Common Stock stated above, such indeterminable number of shares
     of Common Stock as may become subject to the 1995 Stock Option Plan as a
     result of the anti-dilution provisions thereof.

(2)  Estimated in accordance with Rule 457(h)(1) solely for purposes of
     calculating the registration fee based upon the average of the high and low
     sales price of the Common Stock on the Nasdaq National Market System on
     August 12, 1998 as reported in The Wall Street Journal.
                                       
================================================================================
<PAGE>



                                     PART I

             INFORMATION REQUIREMENT 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") with the
Securities and Exchange Commission (the "Commission") are incorporated by
reference in this Registration Statement:

     1.   The Company's Annual Report on Form 10-K/A for the year ended December
          31, 1997

     2.   The Company's Quarterly Reports for the quarters ended March 31, 1998
          and June 30, 1998.

    3.   Current Reports on Form 8-K filed with the Commission on January 14,
         1998, January 16, 1998, February 13, 1998, March 20, 1998, March 31,
         1998, April 2, 1998, April 20, 1998, June 2, 1998, June 11, 1998, June
         26, 1998, July 2, 1998, July 10, 1998, July 15, 1998 and July 23, 1998
         and the Current Reports on Form 8-K/A filed with the Commission on May
         15, 1998, June 29, 1998, July 6, 1998, July 10, 1998 and July 17, 1998.

    4.   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 Securities Exchange Act of 1934.

     In addition, all documents filed by the Company 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.

                                       2


<PAGE>


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 792 shares of the Company's Common Stock
as of June 2, 1998.

     The consolidated financial statements of the Company as of December 31,
1997 and 1996 and for each of the years in the three year period ended December
31, 1997, included in the Company's Annual Report on Form 10-K/A and
incorporated by reference herein, have been audited by Arthur Andersen LLP,
independent public accountants, as indicated in their report dated August 13,
1998, with respect thereto, and are incorporated by reference herein in reliance
upon the authority of said firm as experts in giving said reports.

     The Auditors' Report dated January 27, 1998 relating to the financial
statements of former MSB Bancorp, Inc., by KPMG Peat Marwick LLP, appearing in
the Current Report on Form 8-K of HUBCO, Inc. dated July 10, 1998 is
incorporated by reference herein in reliance upon the authority of said firm as
experts in accounting and auditing.

         The Auditors' Report dated January 23, 1998 relating to the financial
statements of Poughkeepsie Financial Corp., by Deloitte & Touche LLP, appearing
in the Current Report on Form 8-K/A of HUBCO, Inc. dated June 29, 1998 is
incorporated by reference herein in reliance upon the authority of said firm as
experts in giving said reports. 

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 Amended and Restated 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 Amended and Restated 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 Amended and Restated 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 

                                       3

<PAGE>


     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 regarding legality of
           securities

     23.1  Consent of Arthur Andersen LLP

     23.2  Consent of Pitney, Hardin, Kipp & Szuch (contained in the opinion
           included as Exhibit 5)

     23.3  Consent of KPMG Peat Marwick LLP

     23.4  Consent of Deloitte & Touche LLP


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 that, for purposes of
          determining any liability under the Securities Act of 1933, each
          filing of the registrant's annual report


                                       4

<PAGE>


     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 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.

3.   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.

                                       5


<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 August 13, 1998

                                    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>

                  Signature                         Title                      Date
                  ---------                         -----                      ----
<S>                                   <C>                                 <C>    
                                         Chairman, President, Chief       August 13, 1998
                                       Executive Officer and Director
/s/ KENNETH T. NEILSON                 (Principal Executive Officer)
-----------------------------
(Kenneth T. Neilson)

/s/ ROBERT J. BURKE                               Director                August 13, 1998
-----------------------------
(Robert J. Burke)

/s/ DONALD P. CALCAGNINI                          Director                August 13, 1998
-----------------------------
(Donald P. Calcagnini)

                                                  Director                August __, 1998
-----------------------------
(Joan David)

/s/ THOMAS R. FARLEY                              Director                August 13, 1998
-----------------------------
(Thomas R. Farley)

/s/ BRYANT MALCOLM                                Director                August 13, 1998
-----------------------------
(Bryant Malcolm)

</TABLE>

                                       6

<PAGE>

<TABLE>
<CAPTION>
<S>                                 <C>                                   <C>   
/s/ W. PETER MCBRIDE                              Director                August 13, 1998
-------------------------------
(W. Peter McBride)

                                                  Director                August __, 1998
-------------------------------
(Charles F.X. Poggi)

/s/ DAVID A. ROSOW                                Director                August 13, 1998
-------------------------------
(David A. Rosow)

                                                  Director                August __, 1998
-------------------------------
(James E. Schierloh)

                                                  Director                August __, 1998
-------------------------------
(John Tatigian)

                                                  Director                August __, 1998
-------------------------------
(Sister Grace Frances Strauber)

/s/ NOEL DECORDOVA                                Director                August 13, 1998
-------------------------------
(Noel deCordova)

/s/ JOSEPH B. TOCKARSHEWSKY                       Director                August 13, 1998
-------------------------------
(Joseph B. Tockarshewsky)

/s/ WILLIAM C. MYERS                              Director                August 13, 1998
-------------------------------
(William C. Myers)

/s/ JOSEPH F. HURLEY                    Executive Vice President and      August 13, 1998
--------------------------------            Chief Financial Offer
(Joseph F. Hurley)

/s/ CHRIS WITKOWSKI                         Senior Vice President         August 13, 1998
-------------------------------               and Controller
(Chris Witkowski)

</TABLE>

                                       7

<PAGE>



                                INDEX TO EXHIBITS

Exhibit 5         Opinion Letter of Pitney, Hardin, Kipp & Szuch

Exhibit 23.1      Consent of Arthur Andersen LLP

Exhibit           23.2 Consent of Pitney, Hardin, Kipp & Szuch (contained in the
                    opinion included as Exhibit 5)

Exhibit 23.3      Consent of KPMG Peat Marwick LLP

Exhibit 23.4      Consent of Deloitte & Touche LLP


                                        8
[{"type": "S-8", "sequence": "1", "description": "FORM S-8", "secsgml_size_bytes": 18856}]
{"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": "333-61491", "film-number": "98689499"}, "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 August 14, 1998

                                                 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                     (I.R.S. Employer
     of incorporation or organization)                Identification No.)

                            1000 MACARTHUR BOULEVARD
                            MAHWAH, NEW JERSEY 07430
    -------------------------------------------------------------------------
    (Address, including zip code of registrant's principal executive offices)

                             1995 STOCK OPTION PLAN
                    (FORMERLY A PLAN OF IBS FINANCIAL CORP.)
                    ----------------------------------------
                            (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:
                            Michael W. Zelenty, Esq.
                          Pitney, Hardin, Kipp & Szuch
                                  P.O. Box 1945
                          Morristown, New Jersey 07962
                                 (973) 966-8125
CALCULATION OF REGISTRATION FEE

==================================================================================================================
 Title of securities    |       Amount         |    Proposed maximum   |    Proposed maximum   |      Amount of
      to be             |        to be         |      offering price   |  aggregate offering   |     registration 
   registered           |    registered (1)    |      per share(2)     |        price (2)      |        fee 
==================================================================================================================
|
|
|
|
Common Stock, no par    |     674,347 shares   |      $30.25           |    $20,398,997        |      $6,018
  value                 |                      |                       |                       |
==================================================================================================================
---------------

(1)  This Registration Statement also covers, in addition to the number of
     shares of Common Stock stated above, such indeterminable number of shares
     of Common Stock as may become subject to the 1995 Stock Option Plan as a
     result of the anti-dilution provisions thereof.

(2)  Estimated in accordance with Rule 457(h)(1) solely for purposes of
     calculating the registration fee based upon the average of the high and low
     sales price of the Common Stock on the Nasdaq National Market System on
     August 12, 1998 as reported in The Wall Street Journal.
                                       
================================================================================
PART I

             INFORMATION REQUIREMENT 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") with the
Securities and Exchange Commission (the "Commission") are incorporated by
reference in this Registration Statement:

     1.   The Company's Annual Report on Form 10-K/A for the year ended December
          31, 1997

     2.   The Company's Quarterly Reports for the quarters ended March 31, 1998
          and June 30, 1998.

    3.   Current Reports on Form 8-K filed with the Commission on January 14,
         1998, January 16, 1998, February 13, 1998, March 20, 1998, March 31,
         1998, April 2, 1998, April 20, 1998, June 2, 1998, June 11, 1998, June
         26, 1998, July 2, 1998, July 10, 1998, July 15, 1998 and July 23, 1998
         and the Current Reports on Form 8-K/A filed with the Commission on May
         15, 1998, June 29, 1998, July 6, 1998, July 10, 1998 and July 17, 1998.

    4.   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 Securities Exchange Act of 1934.

     In addition, all documents filed by the Company 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.

                                       2
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 792 shares of the Company's Common Stock
as of June 2, 1998.

     The consolidated financial statements of the Company as of December 31,
1997 and 1996 and for each of the years in the three year period ended December
31, 1997, included in the Company's Annual Report on Form 10-K/A and
incorporated by reference herein, have been audited by Arthur Andersen LLP,
independent public accountants, as indicated in their report dated August 13,
1998, with respect thereto, and are incorporated by reference herein in reliance
upon the authority of said firm as experts in giving said reports.

     The Auditors' Report dated January 27, 1998 relating to the financial
statements of former MSB Bancorp, Inc., by KPMG Peat Marwick LLP, appearing in
the Current Report on Form 8-K of HUBCO, Inc. dated July 10, 1998 is
incorporated by reference herein in reliance upon the authority of said firm as
experts in accounting and auditing.

         The Auditors' Report dated January 23, 1998 relating to the financial
statements of Poughkeepsie Financial Corp., by Deloitte & Touche LLP, appearing
in the Current Report on Form 8-K/A of HUBCO, Inc. dated June 29, 1998 is
incorporated by reference herein in reliance upon the authority of said firm as
experts in giving said reports. 

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 Amended and Restated 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 Amended and Restated 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 Amended and Restated 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 

                                       3
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 regarding legality of
           securities

     23.1  Consent of Arthur Andersen LLP

     23.2  Consent of Pitney, Hardin, Kipp & Szuch (contained in the opinion
           included as Exhibit 5)

     23.3  Consent of KPMG Peat Marwick LLP

     23.4  Consent of Deloitte & Touche LLP

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 that, for purposes of
          determining any liability under the Securities Act of 1933, each
          filing of the registrant's annual report

                                       4
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 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.

3.   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.

                                       5
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 August 13, 1998

                                    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
                  ---------                         -----                      ----
Chairman, President, Chief       August 13, 1998
                                       Executive Officer and Director
/s/ KENNETH T. NEILSON                 (Principal Executive Officer)
-----------------------------
(Kenneth T. Neilson)

/s/ ROBERT J. BURKE                               Director                August 13, 1998
-----------------------------
(Robert J. Burke)

/s/ DONALD P. CALCAGNINI                          Director                August 13, 1998
-----------------------------
(Donald P. Calcagnini)

                                                  Director                August __, 1998
-----------------------------
(Joan David)

/s/ THOMAS R. FARLEY                              Director                August 13, 1998
-----------------------------
(Thomas R. Farley)

/s/ BRYANT MALCOLM                                Director                August 13, 1998
-----------------------------
(Bryant Malcolm)
6
/s/ W. PETER MCBRIDE                              Director                August 13, 1998
-------------------------------
(W. Peter McBride)

                                                  Director                August __, 1998
-------------------------------
(Charles F.X. Poggi)

/s/ DAVID A. ROSOW                                Director                August 13, 1998
-------------------------------
(David A. Rosow)

                                                  Director                August __, 1998
-------------------------------
(James E. Schierloh)

                                                  Director                August __, 1998
-------------------------------
(John Tatigian)

                                                  Director                August __, 1998
-------------------------------
(Sister Grace Frances Strauber)

/s/ NOEL DECORDOVA                                Director                August 13, 1998
-------------------------------
(Noel deCordova)

/s/ JOSEPH B. TOCKARSHEWSKY                       Director                August 13, 1998
-------------------------------
(Joseph B. Tockarshewsky)

/s/ WILLIAM C. MYERS                              Director                August 13, 1998
-------------------------------
(William C. Myers)

/s/ JOSEPH F. HURLEY                    Executive Vice President and      August 13, 1998
--------------------------------            Chief Financial Offer
(Joseph F. Hurley)

/s/ CHRIS WITKOWSKI                         Senior Vice President         August 13, 1998
-------------------------------               and Controller
(Chris Witkowski)
7
INDEX TO EXHIBITS

Exhibit 5         Opinion Letter of Pitney, Hardin, Kipp & Szuch

Exhibit 23.1      Consent of Arthur Andersen LLP

Exhibit           23.2 Consent of Pitney, Hardin, Kipp & Szuch (contained in the
                    opinion included as Exhibit 5)

Exhibit 23.3      Consent of KPMG Peat Marwick LLP

Exhibit 23.4      Consent of Deloitte & Touche LLP

                                        8