As filed with the Securities and Exchange Commission on
September 25, 1997.
                                        Registration No. 333-____
_________________________________________________________________
_________________________________________________________________
               SECURITIES AND EXCHANGE COMMISSION
                     Washington, D.C. 20549
                                
                            FORM S-8
     REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933

               BCB FINANCIAL SERVICES CORPORATION
     (Exact name of registrant as specified in its charter)

      Pennsylvania                       23-2444807
(State of Incorporation)    (I.R.S. Employer Identification No.)
                                
                    400 Washington Street
                 Reading, Pennsylvania  19603
                        (610) 376-5933
  (Address and telephone number of principal executive offices)
                                
    BCB Financial Services Corporation 1996 Stock Option Plan
                    (Full Title of the Plan)

                                   With a copy to:
Nelson R. Oswald                   William J. Reynolds, Esquire
Chairman, President and Chief      Stevens & Lee
  Executive Officer                111 North Sixth Street
400 Washington Street              P.O. Box 679
Reading, Pennsylvania  19603       Reading, Pennsylvania  19603
(610) 376-5933                     (610) 478-2000

(Name, address and telephone 
number of agent for service)
=================================================================
                 CALCULATION OF REGISTRATION FEE
================================================================= 
                             Proposed    Proposed
                              Maximum     Maximum
   Title of       Amount      Offering   Aggregate     Amount of
Securities to      to be     Price Per    Offering   Registration
be Registered   Registered    Share(1)    Price(1)        Fee    

Common Stock,   114,000(2)   $19.75       $2,251,500  $682.27
 par value
 $2.50 per share
=================================================================
(1)  Estimated solely for the purpose of calculating the
     registration fee pursuant to Rule 457(h).  Price per share
     represents the average of the bid and asked price for a
     share of Registrant's Common Stock on September 19, 1997.

(2)  The number of shares of the Registrant's Common Stock
     authorized for issuance under the 1996 Stock Option Plan was
     increased from 95,000 to 114,000 pursuant to the anti-
     dilution provisions set forth in the 1996 Stock Option Plan
     due to a 6-for-5 stock split paid on November 19, 1996.
<PAGE>
                             PART II

       INFORMATION REQUIRED IN THE REGISTRATION STATEMENT

Item 3.   Incorporation of Documents by Reference.

     The following documents are incorporated by reference in
this Registration Statement:

     (a)  Registrant's Annual Report on Form 10-KSB for the year
          ended December 31, 1996.

     (b)  Registrant's Quarterly Reports on Form 10-QSB for the
          quarters ended March 31 and June 30, 1997.

     (c)  The description of the Registrant's common stock, par
          value $2.50 per share (the "Common Stock"), set forth
          in the Registrant's Registration Statement on Form 8-A
          filed with the Commission on May 10, 1994.

     All documents subsequently filed by the Registrant pursuant
to sections 13(a), 13(c), 14 and 15(d) of the Exchange Act, prior
to the filing of a post-effective amendment that indicates that
all securities offered have been sold or which deregisters all
securities then remaining unsold, shall be deemed to be
incorporated by reference in this Registration Statement and to
be a part hereof from the date of filing of such documents.

     Any statements contained herein or in a document
incorporated or deemed incorporated by reference herein shall be
deemed to be modified or superseded, for purposes of this
Registration Statement, to the extent that a statement contained
herein or in any subsequently filed document that also is or is
deemed incorporated by reference herein modifies or supersedes
such statement.  Any such statement so modified or superseded
shall not be deemed, except as so modified or superseded, to
constitute a part of this Registration Statement.

Item 4.   Description of Securities.

     Not applicable.

Item 5.   Interests of Named Experts and Counsel.

     Not applicable.

Item 6.   Indemnification of Directors and Officers.

     Pennsylvania law provides that a Pennsylvania corporation
may indemnify directors, officers, employees and agents of the
corporation against liabilities they may incur in such capacities
for any action taken or any failure to act, whether or not the
corporation would have the power to indemnify the person under
any provision of law, unless such action or failure to act is
determined by a court to have constituted recklessness or willful
misconduct.  Pennsylvania law also permits the adoption of a
bylaw amendment, approved by shareholders, providing for the
elimination of a director's liability for monetary damages for
any action taken or any failure to take any action unless (1) the
director has breached or failed to perform the duties of his
office and (2) the breach of failure to perform constitutes
self-dealing, willful misconduct or recklessness.

     Registrant's bylaws provide for (1) indemnification of
directors, officers, employees and agents of the registrant and
its subsidiaries and (2) the elimination of a director's
liability for monetary damages, to the fullest extent permitted
by Pennsylvania law.

     Directors and officers are also insured against certain
liabilities for their actions, as such, by an insurance policy
obtained by the Registrant.

Item 7.   Exemption from Registration Claimed.

     Not applicable.

Item 8.   Exhibits.

     4.1       Articles of Incorporation of BCB Financial
               Services Corporation, as amended, incorporated
               herein by reference to Exhibit 3.1 of the
               Registration Statement No. 333-27873 on Form SB-2
               of the Registrant.

     4.2       Bylaws of BCB Financial Services Corporation
               incorporated herein by reference to Exhibit 3.2 of
               the Registration Statement No. 33-76748 on
               Form SB-2 of the Registrant.

     4.3       BCB Financial Services Corporation 1996 Stock
               Option Plan.

     5.        Opinion of Stevens & Lee.

     23.1      Consent of Beard & Company, Inc., independent
               auditors.

     23.2      Consent of Stevens & Lee.  (Contained in Exhibit 5
               of this Registration Statement.)

     24.       Power of Attorney of certain directors and
               officers (included on signature page).

Item 9.   Undertakings.

     (a)  The undersigned Registrant hereby undertakes:

          (1)  To file, during any period in which offers or
sales are being made, a post-effective amendment to this
registration statement to include any additional or changed
material information with respect to the plan of distribution.

          (2)  That, for the purpose of determining liability
under the Securities Act of 1933, to treat each post-effective
amendment as a new registration statement of the securities
offered, and the offering of such securities at that time to be
the initial bona fide offering thereof.

          (3)  To file a post-effective amendment to remove from
registration any of the securities being registered which remain
unsold at the termination of the offering.
<PAGE>
                           SIGNATURES

     Pursuant to the requirements of the Securities Act of 1933,
the Registrant certifies that it has reasonable grounds to
believe that it meets all of 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 Exeter, Commonwealth of
Pennsylvania, on September 23, 1997.

                              BCB FINANCIAL SERVICES CORPORATION

                              By/s/ Nelson R. Oswald            
                                   Nelson R. Oswald, Chairman,
                                   President and Chief Executive
                                   Officer


     KNOW ALL MEN BY THESE PRESENTS, that each person whose
signature appears below constitutes and appoints Nelson R.
Oswald, Robert D. McHugh, Jr. and Jeffrey P. Waldron, Esquire,
and each of them, his true and lawful attorney-in-fact, as agent
with full power of substitution and resubstitution for him and in
his name, place and stead, in any and all capacity, to sign any
or all amendments to this Registration Statement and to file the
same, with all exhibits thereto, and other documents in
connection therewith, with the Securities and Exchange
Commission, granting unto said attorney-in-fact and agents full
power and authority to do and perform each and every act and
thing requisite and necessary to be done in and about the
premises, as fully and to all intents and purposes as they might
or could do in person, hereby ratifying and confirming all that
said attorneys-in-fact and agents, or their substitute or
substitutes, may lawfully do or cause to be done by virtue
hereof.
     <PAGE>
Pursuant to the requirements of the Securities Act of 1933, this
registration statement has been signed by the following persons
in the capacities indicated and on the dates indicated.

    Signature                  Title                 Date

/s/Nelson R. Oswald      Director and          September 23, 1997
Nelson R. Oswald         Chairman of the Board, 
                         President and Chief
                         Executive Officer 
                         (Principal Executive
                         Officer)

/s/Robert D. McHugh, Jr. Senior Vice           September 23, 1997
Robert D. McHugh, Jr.    President/Treasurer
                         (Principal Financial
                         Officer)

/s/Donna L. Rickert      Vice President and    September 23, 1997
Donna L. Rickert         Controller (Principal
                         Accounting Officer)

/s/Harold C. Bossard     Director and          September 23, 1997
Harold C. Bossard        Secretary

/s/Edward J. Edwards     Director              September 23, 1997
Edward J. Edwards

/s/Lewis R. Frame, Jr.   Director              September 23, 1997
Lewis R. Frame, Jr.

____________________     Director              September 23, 1997
Ivan H. Gordon

/s/Jeffrey W. Hayes      Director             September 23, 1997
Jeffrey W. Hayes

/s/Alfred B. Mast        Director             September 23, 1997
Alfred B. Mast

/s/Wesley R. Pace        Director             September 23, 1997
Wesley R. Pace

/s/Floyd S. Weber        Director             September 23, 1997
Floyd S. Weber

/s/Randall S. Weeber     Director            September 23, 1997
Randall S. Weeber
<PAGE>
                          EXHIBIT INDEX

     4.1       Articles of Incorporation of BCB Financial
               Services Corporation, as amended, incorporated
               herein by reference to Exhibit 3.1 of the
               Registration Statement No. 333-27873 on Form SB-2
               of the Registrant.

     4.2       Bylaws of BCB Financial Services Corporation
               incorporated herein by reference to Exhibit 3.2 of
               the Registration Statement No. 33-76748 on
               Form SB-2 of the Registrant.

     4.3       BCB Financial Services Corporation 1996 Stock
               Option Plan.

     5.        Opinion of Stevens & Lee.

     23.1      Consent of Beard & Company, Inc., independent
               auditors.

     23.2      Consent of Stevens & Lee.  (Contained in Exhibit 5
               of this Registration Statement.)

     24.       Power of Attorney of certain directors and
               officers (included on signature page).
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{"company-data": {"conformed-name": "BCB FINANCIAL SERVICES CORP /PA/", "cik": "0000920865", "assigned-sic": "6022", "irs-number": "232444807", "state-of-incorporation": "PA", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "S-8", "act": "33", "file-number": "333-36373", "film-number": "97685370"}, "business-address": {"street1": "400 WASHINGTON ST", "street2": "PO BOX 1097", "city": "READING", "state": "PA", "zip": "19603", "phone": "6103765933"}, "mail-address": {"street1": "400 WASHINGTON ST", "street2": "PO BOX 1097", "city": "READING", "state": "PA", "zip": "19603"}}
As filed with the Securities and Exchange Commission on
September 25, 1997.
                                        Registration No. 333-____
_________________________________________________________________
_________________________________________________________________
               SECURITIES AND EXCHANGE COMMISSION
                     Washington, D.C. 20549
                                
                            FORM S-8
     REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933

               BCB FINANCIAL SERVICES CORPORATION
     (Exact name of registrant as specified in its charter)

      Pennsylvania                       23-2444807
(State of Incorporation)    (I.R.S. Employer Identification No.)
                                
                    400 Washington Street
                 Reading, Pennsylvania  19603
                        (610) 376-5933
  (Address and telephone number of principal executive offices)
                                
    BCB Financial Services Corporation 1996 Stock Option Plan
                    (Full Title of the Plan)

                                   With a copy to:
Nelson R. Oswald                   William J. Reynolds, Esquire
Chairman, President and Chief      Stevens & Lee
  Executive Officer                111 North Sixth Street
400 Washington Street              P.O. Box 679
Reading, Pennsylvania  19603       Reading, Pennsylvania  19603
(610) 376-5933                     (610) 478-2000

(Name, address and telephone 
number of agent for service)
=================================================================
                 CALCULATION OF REGISTRATION FEE
================================================================= 
                             Proposed    Proposed
                              Maximum     Maximum
   Title of       Amount      Offering   Aggregate     Amount of
Securities to      to be     Price Per    Offering   Registration
be Registered   Registered    Share(1)    Price(1)        Fee    

Common Stock,   114,000(2)   $19.75       $2,251,500  $682.27
 par value
 $2.50 per share
=================================================================
(1)  Estimated solely for the purpose of calculating the
     registration fee pursuant to Rule 457(h).  Price per share
     represents the average of the bid and asked price for a
     share of Registrant's Common Stock on September 19, 1997.

(2)  The number of shares of the Registrant's Common Stock
     authorized for issuance under the 1996 Stock Option Plan was
     increased from 95,000 to 114,000 pursuant to the anti-
     dilution provisions set forth in the 1996 Stock Option Plan
     due to a 6-for-5 stock split paid on November 19, 1996.
PART II

       INFORMATION REQUIRED IN THE REGISTRATION STATEMENT

Item 3.   Incorporation of Documents by Reference.

     The following documents are incorporated by reference in
this Registration Statement:

     (a)  Registrant's Annual Report on Form 10-KSB for the year
          ended December 31, 1996.

     (b)  Registrant's Quarterly Reports on Form 10-QSB for the
          quarters ended March 31 and June 30, 1997.

     (c)  The description of the Registrant's common stock, par
          value $2.50 per share (the "Common Stock"), set forth
          in the Registrant's Registration Statement on Form 8-A
          filed with the Commission on May 10, 1994.

     All documents subsequently filed by the Registrant pursuant
to sections 13(a), 13(c), 14 and 15(d) of the Exchange Act, prior
to the filing of a post-effective amendment that indicates that
all securities offered have been sold or which deregisters all
securities then remaining unsold, shall be deemed to be
incorporated by reference in this Registration Statement and to
be a part hereof from the date of filing of such documents.

     Any statements contained herein or in a document
incorporated or deemed incorporated by reference herein shall be
deemed to be modified or superseded, for purposes of this
Registration Statement, to the extent that a statement contained
herein or in any subsequently filed document that also is or is
deemed incorporated by reference herein modifies or supersedes
such statement.  Any such statement so modified or superseded
shall not be deemed, except as so modified or superseded, to
constitute a part of this Registration Statement.

Item 4.   Description of Securities.

     Not applicable.

Item 5.   Interests of Named Experts and Counsel.

     Not applicable.

Item 6.   Indemnification of Directors and Officers.

     Pennsylvania law provides that a Pennsylvania corporation
may indemnify directors, officers, employees and agents of the
corporation against liabilities they may incur in such capacities
for any action taken or any failure to act, whether or not the
corporation would have the power to indemnify the person under
any provision of law, unless such action or failure to act is
determined by a court to have constituted recklessness or willful
misconduct.  Pennsylvania law also permits the adoption of a
bylaw amendment, approved by shareholders, providing for the
elimination of a director's liability for monetary damages for
any action taken or any failure to take any action unless (1) the
director has breached or failed to perform the duties of his
office and (2) the breach of failure to perform constitutes
self-dealing, willful misconduct or recklessness.

     Registrant's bylaws provide for (1) indemnification of
directors, officers, employees and agents of the registrant and
its subsidiaries and (2) the elimination of a director's
liability for monetary damages, to the fullest extent permitted
by Pennsylvania law.

     Directors and officers are also insured against certain
liabilities for their actions, as such, by an insurance policy
obtained by the Registrant.

Item 7.   Exemption from Registration Claimed.

     Not applicable.

Item 8.   Exhibits.

     4.1       Articles of Incorporation of BCB Financial
               Services Corporation, as amended, incorporated
               herein by reference to Exhibit 3.1 of the
               Registration Statement No. 333-27873 on Form SB-2
               of the Registrant.

     4.2       Bylaws of BCB Financial Services Corporation
               incorporated herein by reference to Exhibit 3.2 of
               the Registration Statement No. 33-76748 on
               Form SB-2 of the Registrant.

     4.3       BCB Financial Services Corporation 1996 Stock
               Option Plan.

     5.        Opinion of Stevens & Lee.

     23.1      Consent of Beard & Company, Inc., independent
               auditors.

     23.2      Consent of Stevens & Lee.  (Contained in Exhibit 5
               of this Registration Statement.)

     24.       Power of Attorney of certain directors and
               officers (included on signature page).

Item 9.   Undertakings.

     (a)  The undersigned Registrant hereby undertakes:

          (1)  To file, during any period in which offers or
sales are being made, a post-effective amendment to this
registration statement to include any additional or changed
material information with respect to the plan of distribution.

          (2)  That, for the purpose of determining liability
under the Securities Act of 1933, to treat each post-effective
amendment as a new registration statement of the securities
offered, and the offering of such securities at that time to be
the initial bona fide offering thereof.

          (3)  To file a post-effective amendment to remove from
registration any of the securities being registered which remain
unsold at the termination of the offering.
SIGNATURES

     Pursuant to the requirements of the Securities Act of 1933,
the Registrant certifies that it has reasonable grounds to
believe that it meets all of 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 Exeter, Commonwealth of
Pennsylvania, on September 23, 1997.

                              BCB FINANCIAL SERVICES CORPORATION

                              By/s/ Nelson R. Oswald            
                                   Nelson R. Oswald, Chairman,
                                   President and Chief Executive
                                   Officer

     KNOW ALL MEN BY THESE PRESENTS, that each person whose
signature appears below constitutes and appoints Nelson R.
Oswald, Robert D. McHugh, Jr. and Jeffrey P. Waldron, Esquire,
and each of them, his true and lawful attorney-in-fact, as agent
with full power of substitution and resubstitution for him and in
his name, place and stead, in any and all capacity, to sign any
or all amendments to this Registration Statement and to file the
same, with all exhibits thereto, and other documents in
connection therewith, with the Securities and Exchange
Commission, granting unto said attorney-in-fact and agents full
power and authority to do and perform each and every act and
thing requisite and necessary to be done in and about the
premises, as fully and to all intents and purposes as they might
or could do in person, hereby ratifying and confirming all that
said attorneys-in-fact and agents, or their substitute or
substitutes, may lawfully do or cause to be done by virtue
hereof.
Pursuant to the requirements of the Securities Act of 1933, this
registration statement has been signed by the following persons
in the capacities indicated and on the dates indicated.

    Signature                  Title                 Date

/s/Nelson R. Oswald      Director and          September 23, 1997
Nelson R. Oswald         Chairman of the Board, 
                         President and Chief
                         Executive Officer 
                         (Principal Executive
                         Officer)

/s/Robert D. McHugh, Jr. Senior Vice           September 23, 1997
Robert D. McHugh, Jr.    President/Treasurer
                         (Principal Financial
                         Officer)

/s/Donna L. Rickert      Vice President and    September 23, 1997
Donna L. Rickert         Controller (Principal
                         Accounting Officer)

/s/Harold C. Bossard     Director and          September 23, 1997
Harold C. Bossard        Secretary

/s/Edward J. Edwards     Director              September 23, 1997
Edward J. Edwards

/s/Lewis R. Frame, Jr.   Director              September 23, 1997
Lewis R. Frame, Jr.

____________________     Director              September 23, 1997
Ivan H. Gordon

/s/Jeffrey W. Hayes      Director             September 23, 1997
Jeffrey W. Hayes

/s/Alfred B. Mast        Director             September 23, 1997
Alfred B. Mast

/s/Wesley R. Pace        Director             September 23, 1997
Wesley R. Pace

/s/Floyd S. Weber        Director             September 23, 1997
Floyd S. Weber

/s/Randall S. Weeber     Director            September 23, 1997
Randall S. Weeber
EXHIBIT INDEX

     4.1       Articles of Incorporation of BCB Financial
               Services Corporation, as amended, incorporated
               herein by reference to Exhibit 3.1 of the
               Registration Statement No. 333-27873 on Form SB-2
               of the Registrant.

     4.2       Bylaws of BCB Financial Services Corporation
               incorporated herein by reference to Exhibit 3.2 of
               the Registration Statement No. 33-76748 on
               Form SB-2 of the Registrant.

     4.3       BCB Financial Services Corporation 1996 Stock
               Option Plan.

     5.        Opinion of Stevens & Lee.

     23.1      Consent of Beard & Company, Inc., independent
               auditors.

     23.2      Consent of Stevens & Lee.  (Contained in Exhibit 5
               of this Registration Statement.)

     24.       Power of Attorney of certain directors and
               officers (included on signature page).