8-K

                       SECURITIES AND EXCHANGE COMMISSION

                              Washington, DC 20429

                                    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):        February 25, 2000
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                             SALISBURY BANCORP, INC.
                             -----------------------
               (Exact name of registrant as specified in charter)


               Connecticut                                    06-1514263
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(State or other jurisdiction of incorporation) (IRS Employer Identification No.)


5 Bissell Street, Lakeville, Connecticut                        06039-1868
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(Address of principal executive offices)                           (zip code)


Registrant's telephone number, including area code:   (860) 435-9801
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Form 8-K, Current Report
Salisbury Bancorp, Inc.

Item 5.           Other Matters.

                  Salisbury Bancorp,  Inc., the parent company of Salisbury Bank
                  and Trust Company,  announced  earnings for the fourth quarter
                  of 1999 and for year ended December 31, 1999.

                  The  Board  of  Directors  of  Salisbury  Bancorp,  Inc.  also
                  declared a $.13 per share first quarter cash dividend at their
                  February 25, 2000 Board meeting.

                  The quarterly  cash dividend will be paid on April 28, 2000 to
                  shareholders of record as of March 31, 2000.


 Item 7.          Financial  Statements,  Pro Forma Financial Information and
                  Exhibits.

                  c.       Exhibits.

                  99.      Press release dated February 28, 2000

                  Exhibit Index                                            Page

                  99.      Press release dated February 28, 2000             3

         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 hereto duly authorized.

Dated: March 1, 2000                             SALISBURY BANCORP, INC.


                                                 By: /s/ John F. Perotti
                                                    -----------------------
                                                    John F. Perotti, President
                                                    and Chief Executive Officer

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EX-99

Monday, February 28, 2000

Company Press Release

Source: Salisbury Bancorp, Inc.

Salisbury Bancorp, Inc. Announces Year End Earnings

Lakeville, Connecticut, February 25,  2000/PRNewswire...Salisbury  Bancorp, Inc.
(AMEX:SAL)  (the  "Company")  the holding  company for Salisbury  Bank and Trust
Company (the "Bank")  reported  fourth quarter  earnings of $755,000 or $.50 per
diluted  share and net earnings of $2,693,000 or $1.78 per diluted share for the
year ended  December  31,  1999.  This  compares to fourth  quarter  earnings of
$540,000 or $.34 per diluted  share and net earnings of  $2,318,000 or $1.47 per
diluted share for the year ended December 31, 1998. The  improvement in earnings
can be attributed to an increase in net interest  income-the result of growth in
earning  assets,  the  movement of interest  rates and  management's  continuing
efforts to control operating expenses.

Salisbury Bancorp,  Inc. became the holding company for Salisbury Bank and Trust
Company on August 24, 1998.  The Bank is a community bank operating full service
banking offices in Lakeville,  Salisbury and Sharon,  Connecticut. It has served
the  communities of Northwestern  Connecticut  and proximate  communities in New
York and Massachusetts for approximately 150 years.

The Directors of Salisbury  Bancorp,  Inc. also  announced that a $.13 per share
quarterly  cash  dividend  for the first  quarter of 2000 was  declared at their
February 25, 2000 meeting.

The quarterly  cash dividend will be paid on April 28, 2000 to  shareholders  or
record as of March 31, 2000. This compares to a $.12 per share dividend that was
paid for the first quarter of 1999.


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