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 28, 2011

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, at the Company's Annual Meeting of Shareholders on April 28, 2011, 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 28, 2011

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 28, 2011	By:	/s/     Alan J. Bedner
		Alan J. Bedner  EVP and Chief Financial Officer

EXHIBIT INDEX

Exhibit No.	Description
99.1	Annual Meeting of Shareholders' Presentation held on April 28, 2011

EX-99.1

Exhibit 99.1

UNITY’SAccomplishments!

®Despite this challenging environment, Unity’s
performance in 2010 included the following
accomplishments:

vStrategic reduction in certain products

vSBA loans down 11.50%

vTime deposits down 38%

v14% Increase in non-interest bearing deposits

vNet interest margin - 3.67% from 3.22%

vImprovement in total capital - 14.30% from 13.01%

vFurther development of sales culture

vContinued improvements in infrastructure

How the Economy Affected
UNITY

®Unity’s 2010 results were affected by:

vHigh provision for loan losses

vElevated level of past due accounts

vElevated level of collection costs

vElevated level of FDIC insurance

vWeak loan demand

vLow yielding investments

UNITY’SStrategic Direction

®Focus on relationship-based business banking

®Reaffirm lending footprint

®Improve net interest margin

®Stabilize credit quality

®Effective cost control

®Branch realignment

UNITY’SBranch Network

New Jersey

®Hunterdon County

vClinton

vFlemington

vWhitehouse

®Middlesex County

vColonia

vEdison

vHighland Park

vMiddlesex

vSouth Plainfield

®Somerset County

vNorth Plainfield

®Union/Essex County

vLinden

vScotch Plains

vSpringfield

vUnion

®Warren County

vPhillipsburg

vWashington (In Progress)

Pennsylvania

®Northampton County

vForks Township

vWilliam Penn

UNITY’SRecent and Future
Highlights

®Expand Residential Mortgage Division

®Streamlined Loan Payment Processing

®Online Banking Product

®Mobile Money Smart Phone Banking

®Digital Signature Cards & Document Storage

®New Unity Bank Credit Card Program

®In-house electronic check presentments

®Enhanced Customer Call Center Phone System

®Upgrade of ATM Machines

eStatements

®Over 2600 Accounts on eStatements

®Reduced Cost in paper & postage

® Convenient & Secure

®Environmentally Friendly

®View, download and print the last 15 months of statements

UNITY’SMarketing Initiatives

Ucare Charitable Giving Program

®Launched in April 2011

®25 Partners by Year-End

Key Bank Ratios

For the year ended 12/31/2010
	Unity	Public Companies $300 million - $2.5 billion
Return on Average Assets	0.26%	-0.13%
Return on Average Equity	3.24%	-5.25%
Net Interest Margin	3.67%	3.71%
Total Nonperforming Assets to Total Assets	2.93%	4.27%
Net Charge-offs to Average Loans	1.05%	1.50%

Income Statement
(dollars in thousands)

Net Interest Margin

Prime Rate 7.25% 8.25% 7.25% 3.25% 3.25%

Total Assets(dollars in millions)

Total Loans Outstanding(dollars in millions)

Nonperforming Assets by Category(dollars in thousands)

	12/31/2010		12/31/2009
Category	$ Value	# of Loans	$ Value	# of Loans
SBA7(a)	8,162	76	6,559	75
SBA 504	2,714	4	5,575	2
Commercial	5,452	19	7,397	21
Residential Mortgage	5,085	16	5,578	13
Consumer	249	3	387	6
OREO	2,346	7	1,530	5
Total	24,008	125	27,026	122
Selected Ratios	12/31/2010		12/31/2009
Nonperforming Assets to Total Loans	2.93%		2.90%
Allowance for Loan Losses to Total Loans	2.33%		2.11%

Total Deposits(dollars in millions)

Capital Ratios

Unity Bancorp, Inc.

FDIC-Insured Commercial
Banks

Compelling Investment
Considerations

®Discount to book

®Knowledgeable and experienced management
team

®Attractive branch franchise

®Improving bank fundamentals

®Positioned for economic rebound

®Insider ownership

UNITY’SStock Price to Book

The previous slides contained data from the following sources:

®FDIC-Insured Commercial Banks:

v Obtained from FDIC.gov Quarterly Banking Profile

® SNL