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) September 22, 2003

UNITY BANCORP, INC.

(Exact name of registrant as specified in its charter)

New Jersey		1-12431		22-3282551
(State or other jurisdiction of incorporation)		(Commission File Number)		(IRS Employer Identification No.)

64 OLD HIGHWAY 22, CLINTON, NEW JERSEY		08809
(Address of principal executive offices)		(Zip Code)

Registrant’s telephone number, including area code (908) 730-7630

Item 5. Other Events and Required FD Disclosure

The Registrant issued a press release on September 22, 2003 announcing the declaration of a cash dividend of $.03 per common share payable on October 31, 2003 to shareholders of record as of October 15, 2003, the full text of which, filed as Exhibit 99.1 with this Current Report on Form 8-K, is hereby incorporated by reference in response to this Item.

Item 7. Financial Statements and Exhibits (c)

The following exhibit is filed with this Current Report on Form 8-K.

EXHIBIT NO.		DESCRIPTION
99.1		Press Release dated September 22, 2003

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)

Dated: September 25, 2003	By: /s/ JAMES A. HUGHES
	JAMES A. HUGHES
	Chief Financial Officer

INDEX TO EXHIBITS

Exhibit		Description

99.1		Press Release dated September 22, 2003