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

November 3, 2006
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)	(IRS 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

          James A. Hughes, the Registrant’s President and Chief Executive Officer and Alan Bedner, Chief Financial Officer will be presenting at the Mid-Atlantic 2006 Super-Community Bank Conference in Philadelphia, Pennsylvania on November 6, 2006.

          The press release announcing the presentation is attached hereto as Exhibit 99.1.  The text of slides shown during the presentations is attached hereto as Exhibit 99.2.

Item 9.01 Financial Statements and Exhibits.

(d)	Exhibits.
EXHIBIT	DESCRIPTION
99.1	Press release issued by the Registrant on November 3, 2006
99.2	Slide presentation presented by Registrant at the Mid-Atlantic 2006 Super-Community Bank Conference in Philadelphia, Pennsylvania on November 6, 2006.

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.
Date: November 6, 2006	By:	/s/ Alan J. Bedner, Jr.
		Alan J. Bedner
		EVP and Chief Financial Officer

EXHIBIT INDEX

EXHIBIT #	DESCRIPTION
99.1	Press release issued by the Registrant on November 3, 2006
99.2	Slide presentation presented by Registrant at the Mid-Atlantic 2006 Super-Community Bank Conference in Philadelphia, Pennsylvania on November 6, 2006.

EX-99.1

Exhibit 99.1

Unity Bank to Present at Investor Conference

          CLINTON, N.J., Nov. 3 /PRNewswire-FirstCall/ -- Unity Bancorp, Inc. (Nasdaq: UNTY), parent company of Unity Bank, announced today that it will be presenting in the Mid-Atlantic 2006 Super-Community Bank Conference in Philadelphia, Pennsylvania to be held on November 6th and 7th.  James A. Hughes, President and Chief Executive Officer and Alan Bedner, Chief Financial Officer, will be presenting on November 6th at 5:40 pm. Mr. Hughes will discuss the strategic direction of Unity Bancorp and its history from 1991. Mr. Bedner will highlight Unity’s financial results.

          The Super-Community Bank Conference will be web-cast, and is available on www.unitybank.com and www.super-communitybanking.com/midatlantic.htm.

          Unity Bancorp, Inc. is a financial service organization headquartered in Clinton, New Jersey, with $672 million in assets and $557 million in deposits. Unity Bank provides financial services to retail, corporate & small business customers through its’ 14 retail service centers located in Hunterdon, Middlesex, Somerset, Union and Warren counties in New Jersey. For additional information about Unity visit our website at www.unitybank.com or call 800 618-BANK.

          This news release contains certain forward-looking statements, either expressed or implied, which are provided to assist the reader in understanding anticipated future financial performance.  These statements involve certain risks, uncertainties, estimates and assumptions made by management, which are subject to factors beyond the company’s control and could impede its ability to achieve these goals. These factors include general economic conditions, trends in interest rates, the ability of our borrowers to repay their loans, and results of regulatory exams, among other factors.

SOURCE  Unity Bancorp, Inc.
          -0-                                                          11/03/2006
          /CONTACT:  News Media & Financial Analysts, Alan J. Bedner, EVP, Chief Financial Officer of Unity Bancorp, Inc., +1-908-713-4308/
          /Web site:  http://www.unitybank.com /

EX-99.2

Exhibit 99.2

[LOGO OF UNITY BANCORP INC]

Super
Community
Bank
Conference
Nov 6 - 7
2006

[LOGO OF UNITY BANCORP INC] Forward-Looking Statement

This presentation contains certain  forward-looking statements, either expressed or implied, which are provided to assist the reader in understanding anticipated future financial performance. These statements involve certain risks, uncertainties, estimates and assumptions made by management, which are subject to factors beyond the company’s control and could impede its ability to achieve these goals. These factors include general economic conditions, trends in interest rates, the ability of our borrowers to repay their loans, and results of regulatory exams, among other factors.

[LOGO OF UNITY BANCORP INC] Unity Company Profile

• State Chartered - Opened 1991

• Assets of $672 million

• Deposits of $557 million

• 14 branches, headquartered in Clinton, NJ

• Strategic commercial lending focus

• Nationally recognized SBA lender

[LOGO OF UNITY BANCORP INC] Total Assets

In millions

[CHART APPEARS HERE]

[LOGO OF UNITY BANCORP INC] Milestones

• Unity recorded record profits, YTD $4.9 million

• 10th Consecutive year of SBA awards

– Bronze award from the State of New York 2005

– Gold award from the State of New Jersey 2005

– 33rd largest SBA Lender in the United States

– 8th largest SBA Lender in the State of New Jersey

• NY Sales production office

• Branch acquisition in Phillipsburg, NJ closed Nov. ‘05 - $22 million in deposits and loans

• Announcement of 2 future branch sites in NJ

• Pennsylvania expansion into Forks Township

[LOGO OF UNITY BANCORP INC] Performance Ratios

							QTD			YTD
	2004			2005			9/30/06			9/30/06
Earnings Per Diluted Share	$	0.83		$	0.96		$	0.23		$	0.71
Return on Assets		1.10	%		1.10	%		0.97	%		1.02	%
Return on Common Equity		16.32	%		16.29	%		15.00	%		15.54	%
Efficiency Ratio		64.51	%		61.53	%		65.48	%		65.29	%

[LOGO OF UNITY BANCORP INC] Unity Footprint

[GRAPHIC APPEARS HERE]

[LOGO OF UNITY BANCORP INC] Unity “Commandments”

• Treat all employees and customers with dignity and respect

• Provide the highest level of service for our customers

• Increase the profits of the bank

• Always do the right thing

[LOGO OF UNITY BANCORP INC] Experienced Management Team

Name	Title	Years Banking Experience
Jim Hughes, CPA	President and CEO	24
Alan Bedner, CPA	Executive VP, CFO	13
Mike Downes	Executive VP, CLO	21
John Kauchak	Executive VP, CRO	26
Kelly Stashko	Executive VP, CIO	21

[LOGO OF UNITY BANCORP INC] Prudent Credit Culture

• Experienced Lenders

• Comprehensive Approval Process

• Reliance on Cash Flow and Collateral

• External and Internal Loan Review Process

• Experienced Asset Management Process

[LOGO OF UNITY BANCORP INC] Strategic Initiatives for 2007

• National SBA Program

• Sale of Non Bank Products in Branch Network

• Expansion of Mortgage Department

• Development of Internet Bank Channel

• Remote Deposit Capture

[LOGO OF UNITY BANCORP INC]

Financial Presentation

[LOGO OF UNITY BANCORP INC] Income Statement

In thousands

										9/30/2006						% Change
	2003			2004			2005			2005 YTD			2006 YTD
Net interest income	$	17,867		$	19,158		$	22,234		$	16,267		$	18,030			10.8	%
Provision for loan losses		1,600			1,175			1,850			1,325			950			-28.3	%
Non-interest income		8,343			7,629			8,190			6,118			5,892			-3.7	%
Non-interest expense		17,329			17,230			18,676			13,872			15,573			12.3	%
Net income before tax		7,281			8,382			9,898			7,188			7,399			2.9	%
Tax expense		2,698			3,052			3,688			2,732			2,478			-9.3	%
Net income	$	4,583		$	5,330		$	6,210		$	4,456		$	4,921			10.4	%
N/I per diluted share	$	0.70		$	0.79		$	0.91		$	0.66		$	0.71			7.6	%
Performance Ratios
ROAA		1.04	%		1.10	%		1.10	%		1.08	%		1.02	%
ROAE		16.05	%		16.32	%		16.29	%		15.85	%		15.54	%
Efficiency Ratio		66.60	%		64.50	%		61.50	%		62.16	%		65.29	%

[LOGO OF UNITY BANCORP INC] Total Assets

In millions

[CHART APPEARS HERE]

[LOGO OF UNITY BANCORP INC] Total Loans

In millions

[CHART APPEARS HERE]

[LOGO OF UNITY BANCORP INC] Loans by Type

12/31/01	9/30/06
[CHART APPEARS HERE]	[CHART APPEARS HERE]

Commercial & SBA	63.4%	Commercial	78.0%
Res Mortgage	26.8%	Res Mortgage	12.4%
Consumer	9.8%	Consumer	9.6%

[LOGO OF UNITY BANCORP INC] Asset Quality

	2003			2004			2005			9/30/2006
Nonperforming assets		5,722			4,436			4,539			6,473
ALLL/Total Loans		1.58	%		1.57	%		1.54	%		1.50	%
ALLL/NPL		99.20	%		143.14	%		158.04	%		115.56	%
NPL/Total Loans		1.59	%		1.10	%		0.97	%		1.30	%
Net Charge-Off Ratio		0.11	%		0.19	%		0.20	%		0.10	%

[LOGO OF UNITY BANCORP INC] Net Interest Margin

[CHART APPEARS HERE]

	2001			2002			2003			2004			2005			9/30/06
Prime Rate		4.75	%		4.25	%		4.00	%		5.25	%		7.25	%		8.25	%

[LOGO OF UNITY BANCORP INC] Total Deposits

In millions

[CHART APPEARS HERE]

[LOGO OF UNITY BANCORP INC] Shareholders’ Equity

In millions

[CHART APPEARS HERE]

[LOGO OF UNITY BANCORP INC] Capital Ratios

[CHART APPEARS HERE]

[LOGO OF UNITY BANCORP INC]

Key Investment Appeals

[LOGO OF UNITY BANCORP INC] Key Investment Appeals

• Top Quartile Performance Ratios

• Continued Earnings Momentum

• Focus on Deposit and Loan Growth

• Leader in SBA Lending

• Insider Ownership

• Attractive Valuation

• Expansion Strategy

• Growing Market Share in Attractive Markets

[LOGO OF UNITY BANCORP INC] Ratios

	Quarter September 30, 2006
	Unity		Peer*
Performance Ratios (%):
ROAA		0.97		0.72
ROAE		15.00		7.89
Net Interest Margin		3.78		3.81
Efficiency Ratio		65.48		69.61
Loans / Deposits		89.49		81.48
Market Ratios:
Price/Earnings (x)		15.75		25.32
Price/Book (%)		220.80		188.61
Dividend Yield (%)		1.31		1.17

[LOGO OF UNITY BANCORP INC] Stock Price

[CHART APPEARS HERE]

[LOGO OF UNITY BANCORP INC]

[GRAPHIC APPEARS HERE]

[LOGO OF UNITY BANCORP INC]

Peer Data Includes the median of 36 Public Commercial Banks in New Jersey.  Data as of, or for the period ending June 30, 2006

Pricing data as of November 1, 2006