8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

Date of Report (Date of Earliest Event Reported): February 14, 2007

YARDVILLE NATIONAL BANCORP

(Exact Name of Issuer as Specified in Charter)

NEW JERSEY (State or Other Jurisdiction of Incorporation or Organization) 000-26086 (Commission File Number) 22-2670267 (I.R.S. Employer Identification Number)

2465 KUSER ROAD, HAMILTON, NEW JERSEY 08690

(Address of Principal Executive Offices)

(609) 585-5100

(Registrant’s Telephone Number, Including Area Code)

Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

[ ]	Written communications pursuant to Rule 425 under the Securities Act
[ ]	Soliciting material pursuant to Rule 14a-12 under the Exchange Act
[ ]	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act
[ ]	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act

Item 8.01. Other Events.

On February 14, 2007, Yardville National Bancorp, referred to as the “Company,” disclosed various correspondence between the Company and its counsel and Lawrence B. Seidman and his counsel. The disclosed correspondence is described below and copies of the correspondence are attached as exhibits to this report.

On January 29, 2007 and January 31, 2007, the Company’s chief legal officer sent letters to Peter R. Bray, Esq. regarding allegations of selective disclosure raised in his letter dated January 26, 2007 and filed with the Securities and Exchange Commission on January 29, 2007 as an exhibit to Lawrence B. Seidman’s Amendment No. 12 to his Schedule 13D. Copies of our chief legal officer’s letters are attached as Exhibits 99.1 and 99.2. On February 1, 2007, Mr. Bray responded to our chief legal officer. His response is attached as Exhibit 99.3. On February 6, 2007, the Company’s counsel responded to Mr. Bray. A copy of our counsel’s letter is attached hereto as Exhibit 99.4.

On February 7, 2007, the Company’s counsel sent a letter to Mr. Bray regarding issues related to our annual meeting raised in Mr. Bray’s letter dated February 5, 2007 and filed with the Securities and Exchange Commission on February 6, 2007 as an exhibit to Lawrence B. Seidman’s Amendment No. 14 to his Schedule 13D. A copy of our counsel’s letter is attached hereto as Exhibit 99.5.

On February 12, 2007, the Company’s Chief Executive Officer, Patrick M. Ryan, sent a letter to Lawrence B. Seidman regarding issues raised in his letter dated February 5, 2007 and filed with the Securities and Exchange Commission on February 6, 2007 as an exhibit to his Amendment No. 14 to his Schedule 13D. A copy of Mr. Ryan’s letter is attached hereto as Exhibit 99.6.

Item 9.01. Financial Statements and Exhibits.

The following exhibits are filed with this Form 8-K:

Exhibit No.	Description
99.1	Letter dated January 29, 2007 to Peter R. Bray, Esq.
99.2	Letter dated January 31, 2007 to Peter R. Bray, Esq.
99.3	Letter dated February 1, 2007 to Daniel J. O’Donnell, Esq.
99.4	Letter dated February 6, 2007 to Peter R. Bray, Esq.
99.5	Letter dated February 7, 2007 to Peter R. Bray, Esq.
99.6	Letter dated February 12, 2007 to Lawrence B. Seidman

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	YARDVILLE NATIONAL BANCORP
Date: February 14, 2007	By:        Stephen F. Carman                Stephen F. Carman                Vice President and Treasurer

INDEX OF EXHIBITS

Exhibit No.	Description
99.1	Letter dated January 29, 2007 to Peter R. Bray, Esq.
99.2	Letter dated January 31, 2007 to Peter R. Bray, Esq.
99.3	Letter dated February 1, 2007 to Daniel J. O’Donnell, Esq.
99.4	Letter dated February 6, 2007 to Peter R. Bray, Esq.
99.5	Letter dated February 7, 2007 to Peter R. Bray, Esq.
99.6	Letter dated February 12, 2007 to Lawrence B. Seidman

EX-99.1

	Exhibit 99.1 Daniel J. O’Donnell, Esq. Executive Vice President Chief Legal Officer Secretary (609) 631-6157 FAX: (609) 584-8570 ODONNELLD@YNB.COM
YARDVILLE NATIONAL BANK	P.O. Box 8487 Trenton, NJ 08650 (609) 585-5100

January 29, 2007

Via Overnight Mail

Mr. Peter Bray

Bray, Chiocca & Miller, LLC

Lanidex Executive Center

100 Misty Lane

Parsippany, New Jersey 07054-2710

Dear Mr. Bray:

Thank you for your letter dated January 26, 2007.  Please be assured that we take the concerns you expressed very seriously.  As such, I have asked Joe Crawford of Pepper Hamilton LLP to contact you to learn the details of your concerns so that I may assess the information and report it to the Board.  The Board can then determine how best to proceed.  Please be specific in your information to Joe Crawford.

As you can certainly appreciate, I will not be able to inform you about any developments with respect to this matter until such time as we make a public announcement.  Thank you for cooperation in that regard.

Once again, thank you for your correspondence.

 Sincerely,

/s/Daniel J. O’Donnell

Daniel J. O'Donnell

EVP and Chief Legal Officer

cc: Jay G. Destribats, Chairman of the Board

James Bartolomei, Chairman of the Audit Committee

Joe Crawford Esq., Pepper Hamilton LLP

Robert Murphy, Esq., Pepper Hamilton LLP

EX-99.2

	Exhibit 99.2 Daniel J. O’Donnell, Esq. Executive Vice President Chief Legal Officer Secretary (609) 631-6157 FAX: (609) 584-8570 ODONNELLD@YNB.COM
YARDVILLE NATIONAL BANK	P.O. Box 8487 Trenton, NJ 08650 (609) 585-5100

January 31, 2007

Via Fax and Overnight Mail

Mr. Peter Bray

Bray, Chiocca & Miller, LLC

Lanidex Executive Center

100 Misty Lane

Parsippany, New Jersey 07054-2710

Dear Mr. Bray:

Thank you for speaking with Joe Crawford of Pepper Hamilton LLP yesterday. I appreciate your cooperation.

I have discussed your information with Joe and his SEC partners and attorneys. It appears, however, that I will need further information in order for me, as the chief legal officer of the issuer, to discharge my duties and obligations under section 307 of the Sarbanes Oxley Act of 2002, as well as the SEC rules promulgated thereunder pertaining to the standards of professional conduct for attorneys appearing or practicing before the SEC.

As you know, under the SEC rules when a “covered attorney” receives a report of a “material violation,” he or she must conduct an inquiry that “he or she reasonably believes is appropriate to determine whether the material violation described in the report has occurred, is ongoing or is about to occur.” Unless a chief legal officer can conclude that there is not a “material violation,” the SEC rules require he or she to take all reasonable steps to cause the issuer to adopt remedial measures to stop or prevent an ongoing violation and to rectify and minimize the possibility of recurrence of a past violation. We consider your letter to be such a report.

In this regard, the SEC has adopted a complex standard for what constitutes sufficient evidence of a material violation to require further reporting “up the ladder.” According to the SEC rules, there must be “credible” evidence such that it would be “unreasonable, under the circumstances, for a prudent and competent attorney not to conclude” that the occurrence of the violation would be “reasonably likely.” “Material violation” includes a material violation of U.S. federal or state securities laws or a material breach of U.S. federal or state common law or statutory fiduciary duty, including malfeasance, nonfeasance, abdication of duty, abuse of trust and approval of unlawful transactions.

In order to establish that such credible evidence exists, we will need to speak with the shareholder to whom the disclosures were allegedly made. Please provide his name and contact information to me in writing as soon as possible. Feel free to email his contact information to me at odonnelld@ynb.com. Moreover, please confirm that your client also will be available to be interviewed in this regard if necessary.

As I stated in my previous letter, we take this matter very seriously. As the chief legal officer, I am particularly attuned to my duties and obligations under the SEC rules and Sarbanes Oxley. I look forward to a speedy resolution of this matter. Please be reminded, however, that I will not be able to provide you with any information concerning developments until and unless a public statement is released by the company.

Once again, thank you for your report and your continuing cooperation.

Sincerely,

/s/ Daniel J. O’Donnell

Daniel J. O'Donnell

Executive Vice President and Chief Legal Officer

Cc: Jay G Destribats, Chairman of the Board

James Bartolomei, Chairman of the Audit Committee

Joseph Crawford, Pepper Hamilton, LLP

Robert Murphy, Pepper Hamilton, LLP

EX-99.3

Exhibit 99.3

BRAY, CHIOCCA & MILLER, L.L.C

ATTORNEYS AT LAW

LANIDEX EXECUTIVE CENTER

100 MISTY LANE

PARSIPPANY, NEW JERSEY 07054-2710

(973) 739-9600

FAX (973) 739-9696

February 1, 2007

Via E-Mail and Lawyers Service

Daniel J. O’Donnell, Esq.

Yardville National Bancorp

2465 Kuser Road

Hamilton Twp., NJ 08690

Re: Lawrence B. Seidman - Yardville National Bancorp

Dear Mr. O’Donnell:

I write to respond to your letter of January 31, 2007.

We leave it to you to proceed in whatever fashion you deem appropriate. Please note, however, that it is our position that a proper investigation can only be conducted by truly independent parties.

We note that it is curious to turn to Mr. Seidman for information about what the Directors have, or may have, disclosed. Why do you not interview the Directors, under oath?

We have already provided Mr. Crawford with a precise description of the types of information that was purportedly disclosed to a shareholder by one or more Directors. The information at issue is unquestionably material. Further, you can readily conclude that there has been an improper disclosure of confidential information, if events that I described to Mr. Crawford actually occurred. [For example, if Yardville National Bancorp has received a purchase offer and rejected same, then it is patent that there has been a “leak,” since the existence of the offer, and declination, have not been publicly disclosed.]

We repeat, Mr. Seidman is available to cooperate with a properly conducted investigation by someone completely independent of Yardville National Bancorp and its Board.

Very truly yours,

/s/Peter R. Bray

PETER R. BRAY

PRB:blw

cc: Lawrence B. Seidman

EX-99.4

Pepper Hamilton LLP Attorneys at Law 3000 Two Logan Square Eighteenth and Arch Streets Philadelphia, PA 19103-2799 215-981-4000 Fax 215-981-4750 Exhibit 99.4 Joseph C. Crawford direct dial: 215-981-4409 direct fax: 267-200-0805 crawfordjc@pepperlaw.com

February 6, 2007

Via E-Mail and First Class Mail

Peter R. Bray, Esquire

Bray, Chiocca & Miller, LLC

Lanidex Executive Center

100 Misty Lane

Parsippany, NJ 07054-2710

Re: Yardville National Bancorp

Dear Mr. Bray:

In your letter dated January 26, 2007, you stated that Mr. Seidman is in possession of certain confidential Yardville National Bancorp (“YNB”) information. Mr. Seidman contends he received confidential information from an unnamed YNB shareholder who, in turn, supposedly informed Mr. Seidman that he or she had obtained the information from one or more unnamed YNB directors.

YNB has attempted to investigate your allegation and determine whether or not it has any merit in order to enable YNB to make an informed conclusion as to whether any action is appropriate.

In my judgment, there is no reason why Pepper Hamilton LLP cannot conduct a full, complete and thorough investigation of the matters referred to in your January 26, 2007 letter. However, Mr. Seidman has refused to disclose the identity of the alleged YNB shareholder to me or to YNB’s General Counsel, Daniel J. O’Donnell, Esquire. You described the alleged shareholder in a telephone conversation with me as a large shareholder from central New Jersey, which you referred to as a “hint” or “clue”, but you declined to provide that individual’s name. You did provide certain general information about the type of information that Mr. Seidman claims to have learned from the alleged shareholder, but you have made it clear that Mr. Seidman will not provide information concerning this matter to this law firm or Mr. O’Donnell. You have stated that Mr. Seidman will provide further information only to a law firm that has never represented YNB or any YNB director. The effect of that decision, which we assume Mr. Seidman made, has been to impede the investigation Mr. Seidman requested in your January 26, 2007 letter.

Peter Bray, Esquire

Page 3

February 6, 2007

Although YNB believes that Mr. Seidman’s refusal to provide the information to Pepper Hamilton or Mr. O’Donnell is improper, the Board of Directors or an appropriate Board committee will determine in the near future whether YNB should undertake the additional expense of retaining another law firm to investigate the matters referred to in your January 26, 2007 letter.

Based on the limited and general information you provided to me last week, it is possible that Mr. Seidman does have in his possession certain confidential information pertaining to YNB. The materiality of that information cannot be determined until Mr. Seidman fully informs YNB about the information in his possession. We believe that Mr. Seidman has a legal duty to maintain the confidentiality of this alleged information and to disclose the precise nature of that information only to YNB in cooperation with YNB’s investigation. Once Mr. Seidman has disclosed the precise nature of this confidential information to YNB, whether directly or indirectly, YNB will promptly determine whether any additional disclosure or other action is appropriate or required.

In our judgment, it is improper for Mr. Seidman to attempt to control YNB’s choice of legal counsel to conduct an appropriate investigation. Nevertheless, YNB’s Board of Directors or an appropriate Board committee will determine in the near future whether YNB will incur the additional expense of retaining other legal counsel to conduct the investigation that Mr. Seidman has simultaneously demanded and thwarted.

Sincerely,

/s/Joseph C. Crawford

Joseph C. Crawford

JCC/ab

EX-99.5

Pepper Hamilton LLP Attorneys at Law 3000 Two Logan Square Eighteenth and Arch Streets Philadelphia, PA 19103-2799 215-981-4000 Fax 215-981-4750 Exhibit 99.5 Joseph C. Crawford direct dial: 215-981-4409 direct fax: 267-200-0805 crawfordjc@pepperlaw.com

February 7, 2007

Via E-Mail and First Class Mail

Peter R. Bray, Esquire

Bray, Chiocca & Miller, LLC

Lanidex Executive Center

100 Misty Lane

Parsippany, NJ 07054-2710

Re: Yardville National Bancorp

Dear Mr. Bray:

The purpose of this letter is to respond to your February 5, 2007 letter concerning the scheduling of the 2007 Annual Meeting of Shareholders of Yardville National Bancorp. (“YNB”).

YNB’s designation of August 16, 2007 as the date for the 2007 Annual Meeting of Shareholders is lawful and proper under the plain meaning of the statute cited in your letter, N.J.S.A. §14 A:5-2.

The statute repeatedly and specifically distinguishes between the two relevant events -- i.e., (1) the designation of the date of the Annual Meeting and (2) the subsequent action of holding the Annual Meeting. In particular, the statute explicitly requires YNB to designate (i.e., select and announce the date) of the Annual Meeting within thirteen (13) months of the immediately preceding Annual Meeting. The statute also specifically allows YNB to hold the Annual Meeting on any date permitted under YNB’s by-laws.

The statutory language refutes the statements in your February 5, 2007 letter. The first sentence of the statute states that the Annual Meeting may be “held at such time as may be provided in the by-laws.” N.J.S.A. §14A:5-2, which in the case of YNB, means that the meeting may be “at such time and place as shall be fixed by the Board of Directors.” By-Laws, Art. 1.1. The second sentence of the statute focuses on the legal consequences of a “failure to hold the Annual Meeting at the designated time,” a clear statutory reference to the fact that the Legislature recognized that it was dealing with two separate events.

Peter R. Bray, Esquire

Page 2

February 7, 2007

The third sentence of the statute likewise deals with the consequences of a failure to hold the Annual Meeting on the date previously designated, which again underscores the Legislature’s clear recognition that designating and holding the Annual Meeting are two distinct events, each of which has its own separate statutory deadline.

The fourth sentence of the statute by its explicit terms applies either if there is a failure to hold the Annual Meeting on the designated date or “if no date has been designated for a period of thirteen months after the organization of the corporation or after its last Annual Meeting....” N.J.S.A. §14A:5-2. Thus, the plain language of the statute demonstrates that the thirteen month requirement applies to the designation or announcement of the date for the Annual Meeting, not the date when the meeting is actually held.

YNB’s recent designation of August 16, 2007 as the date for the 2007 Annual Meeting satisfies both of these statutory requirements. First, because YNB conducted its 2006 Annual Meeting on May 3, 2007, it had until June 4, 2007 to designate or announce the date when the 2007 Annual Meeting will be held. YNB fully complied with that requirement last week approximately four months before the statutory deadline, by designating August 16, 2007 as the date of the Annual Meeting.

Second, consistent with YNB’s By-Laws and the language in N.J.S.A. §14A:5-2, YNB may hold its 2007 Annual Meeting on any date in 2007. YNB will do so on August 16, 2007.

I also point out that Mr. Seidman’s questioning of the date of the 2007 Annual Meeting seems dubious given the position he took last year. During last year’s proxy contest, Mr. Seidman and his group contended that YNB should have postponed the 2006 Annual Meeting, which YNB had lawfully designated for May 3, 2006. Now Mr. Seidman is claiming that the date designated by YNB for its 2007 Annual Meeting should be advanced by a period of some ten (10) weeks. YNB once again will conduct the Annual Meeting on the lawfully designated date.

YNB’s designation of August 16, 2007 as the date for the 2007 Annual Meeting also fully complies with the requirements of SEC Rule 14a-5(f) and NASDAQ Rule 4350(e).

In sum, there is simply no legal basis for Mr. Seidman to complain about YNB’s decision to hold its Annual Meeting on August 16, 2007, rather than on June 4, 2007, the date Mr. Seidman apparently prefers.

Sincerely,

/s/ Joseph C. Crawford

Joseph C. Crawford

JCC/ab

EX-99.6

	Exhibit 99.6 Patrick M. Ryan Chief Executive Officer (609) 631-6177 FAX: (609) 584-5984
YARDVILLE NATIONAL BANK	P.O. Box 8487 Trenton, NJ 08650 (609) 585-5100

February 12, 2007

Lawrence B. Seidman

100 Misty Lane

Parsippany, New Jersey 07054

Dear Mr. Seidman:

Thank you for your letter dated February 5, 2007.

As a matter of general policy, however, information pertaining to our employees is confidential unless disclosure is required by the various rules and regulations of the SEC, OCC or other regulatory authority. Please see our SEC filings for public information in this regard, as well as information regarding our transactions with related persons.

Thank you for your interest in Yardville.

Sincerely,

/s/Patrick M. Ryan

Patrick M. Ryan

Chief Executive Officer

PMR/ij