WASHINGTON, D.C. 20549
                   -------------------------------------------
                                     FORM 15

   Certification and Notice of Termination of Registration under Section 12(g)
  of the Securities Exchange Act of 1934 or Suspension of Duty to File Reports
       Under Sections 13 and 15(d) of the Securities Exchange Act of 1934.

                         Commission File Number: 1-12177

                                MSB BANCORP, INC.
             (Exact Name of Registrant as specified in its charter)

                               35 Matthews Street
                                Goshen, New York
                                 (914) 294-8100
          (Address, including zip code, and telephone number, including
             area code of registrant's principal executive offices)

                     COMMON STOCK, PAR VALUE $0.01 PER SHARE
            (Title of each class of securities covered by this Form)

                                      NONE
   (Titles of all other classes of securities for which a duty to file reports
                     under Section 13(a) or 15(d) remains)

         Please  place an X in the box(es) to  designate  the  appropriate  rule
provision(s) relied upon to terminate or suspend the duty to file reports:

    Rule 12g-4(a)(1)(i)         [x]         Rule 12h-3(b)(1)(i)        [x]
    Rule 12g-4(a)(1)(ii)        [ ]         Rule 12h-3(b)(1)(ii)       [ ]
    Rule 12g-4(a)(2)(i)         [ ]         Rule 12h-3(b)(2)(i)        [ ]
    Rule 12g-4(a)(2)(ii)        [ ]         Rule 12h-3(b)(2)(ii)       [ ]

         Approximate number of holders of record as of the certification
                                or notice date: 0

         Pursuant to the  requirements  of  Securities  Exchange Act of 1934, as
amended, MSB Bancorp, Inc. has caused this  certification/notice to be signed on
its behalf by the undersigned duly authorized person.

                                        HUBCO, INC. Successor by Merger to
                                        MSB Bancorp, Inc.


                                          D. LYNN VAN BORKULO-NUZZO
DATE:  December 22, 1998               By:----------------------------------
                                          D. Lynn Van Borkulo-Nuzzo
                                          Executive Vice President and
                                          Corporate Secretary