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):       November 20, 2000
                                                  ------------------------------


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


        Connecticut                                          06-1514263
 ----------------------------                           -------------------
(State or other  jurisdiction                             (IRS Employer
of  incorporation)                                      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.
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            The Board of Directors of Salisbury Bancorp, Inc., the parent
            company of Salisbury Bank and Trust Company, declared a $0.13 per
            share quarterly cash dividend and a $0.25 per share special cash
            dividend at their November 20, 2000 Board meeting.

            The quarterly cash dividend will be paid on January 30, 2001 to
            shareholders of record as of December 29, 2000.



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

            c.    Exhibits.

            99.   Press release dated November 20, 2000

            Exhibit Index                                               Page
            -------------                                               ----

            99. Press release dated November 20, 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:   November 21, 2000                  SALISBURY BANCORP, INC.


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


                                       -2-

EX-99

Monday, November 20, 2000

Company Press Release

SOURCE: Salisbury Bancorp, Inc.

Salisbury Bancorp, Inc. Declares Quarterly Dividend and Special Dividend


Lakeville, Connecticut, November 20, 2000/ PRNewswire/-The Board of Directors of
Salisbury  Bancorp,  Inc.  (AMEX:SAL),  the parent company of Salisbury Bank and
Trust  Company,  declared a $0.13 per share  quarterly  cash  dividend  at their
November 20, 2000  meeting.  The Board also  declared a special cash dividend of
$.25 per share. The total dividend of $.38 per share will be paid on January 30,
2001 to shareholders of record as of December 29, 2000.

The Company  declared cash dividends  totaling $.70 per share for the year 1999.
Dividends declared for 2000 total $.77 per share which represents an increase of
10.0% when comparing the two years.

 Salisbury  Bancorp"s sole  subsidiary,  Salisbury Bank and Trust Company,  is a
community  bank with  assets in excess of $230  million and capital in excess of
$21  million,  headquartered  in  Northwestern  Connecticut,  which  offers full
financial services to the communities it services in Connecticut,  Massachusetts
and New York.