8-K

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

April 24, 2008

Date of Report (Date of earliest event reported)

UNITY BANCORP, INC.

(Exact Name of Registrant as Specified in its Charter)

New Jersey

(State or Other Jurisdiction of Incorporation)

1-12431	22-3282551
(Commission File Number)	(I.R.S. Employer Identification No.)

64 OLD HIGHWAY 22, CLINTON, NEW JERSEY, 08809

(Address of Principal Executive Office) (Zip Code)

(908) 730-7630

(Registrant's Telephone Number, Including Area Code)

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

o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

o Soliciting material pursuant to Rule 14a12 under the Exchange Act (17 CFR 240.14a-12)

o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Item 7.01 Regulation FD Disclosure

Attached as Exhibit 99.1 is a copy of the presentation, which will be made by James A. Hughes, President and CEO, and Alan J. Bedner, EVP and CFO, at the Company's Annual Meeting of Shareholders on April 24, 2008, the full text of which is incorporated by reference in response to this item.

Item 9.01 Financial Statements and Exhibits.

(d)  Exhibits
Exhibit No.	Description
99.1	Annual Meeting of Shareholders' Presentation held on April 24, 2008

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.

		UNITY BANCORP, INC.
		(Registrant)
Date: April 24, 2008	By:	/s/     Alan J. Bedner, Jr.
		Alan J. Bedner  EVP and Chief Financial Officer

EXHIBIT INDEX

Exhibit No.	Description
99.1	Annual Meeting of Shareholders' Presentation held on April 24, 2008

EX-99.1

2007 Industry Environment

Subprime mortgages trigger capital/credit market problems

Lowest Net Interest Margin for the industry since 1989

Annual earnings declined 27.4% compared to 2006

Lowest annual net income for industry since 2002

Approximately 60% of institutions reported lower earnings

Net charge-offs increased to a 5-year high

Performance Ratios

Recent Milestones

2007 - - Record year for loan closings

Rollout of national SBA program

Opened Middlesex, NJ branch, December 2007

Continued expansion into Pennsylvania

Full implementation of back office capture

Intense focus on core deposit growth

Now offering suite of investment products

QuarterlyPerformance Ratios

Experienced Management Team

NameTitleYears Banking Experience

Jim Hughes, CPA President and CEO26

Alan Bedner, CPA Executive VP, CFO14

Mike Downes                 Executive VP, CLO                22

John Kauchak Executive VP, CDO                27

Marc SoveloveSenior VP/Retail Lending 23

Keith Fenstermaker Senior VP/Credit Administration 31

Janice Bolomey Senior VP/Branch Administration 22

Strategic Objectives

Improve our customer service and sales culture

Focus on low-cost core deposits

Provide alternative investments through Emerald Financial

Rollout of national SBA program

Restructure lending areas/systems

Continued emphasis on mortgage line of business

Continue to invest in our corporate infrastructure - branch growth

Continual cost control measures

Continue to expand new products

Effective capital management

Financial Presentation

•Peer data includes 20 Public Commercial Banks in New Jersey between $250
million and $3.5 billion.Data as of or for the period ending December 31, 2007.
Pricing Data as of March 31, 2008.

Income Statement

In thousands

Income Statement

In thousands

In millions

In millions

Total Assets

Total Loans

8.4%

6.8%

16.2%

2.2%

Assets & Loans

Loans by Type

12/31/06

12/31/07

Loan Type	%	Rate	Loan Type	%	Rate
SBA	15.6%	10.24	SBA	15.9%	10.74
Commercial	61.5%	7.43	Commercial	61.9%	7.53
Res Mortgage	12.5%	5.51	Res Mortgage	12.5%	5.84
Consumer	10.4%	6.73	Consumer	9.7%	6.79

Asset Quality

Net Interest Margin

	2003	2004	2005	2006	2007	1Q 2008
Prime Rate	4.00%	5.25%	7.25%	8.25%	7.25%	5.25%

Total Deposits

In millions

6.1%

6.8%

Shareholders’ Equity

Book Value

In millions

Capital Ratios

Key Investment Appeals

Stock Performance Chart

Ratios

•Peer data includes 20 Public Commercial Banks in New Jersey between $250 million and $3.5 billion.

Data as of or for the period ending December 31, 2007.Pricing Data as of March 31, 2008.

Key Investment Appeals

•Growing market share in attractive markets

•Focus on deposit and loan growth

•Leader in SBA lending

•Expansion strategy

•Insider ownership

•Attractive valuation