8-K

                       SECURITIES AND EXCHANGE COMMISSION

                              Washington, DC 20429

                                    FORM 8-K0

                                 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 24, 1999
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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.

               The Board of  Directors of Salisbury  Bancorp,  Inc.,  the parent
               company of Salisbury Bank and Trust Company, declared a $0.12 per
               share  quarterly cash dividend and a $0.22 per share special cash
               dividend at their November 24, 1999 Board meeting.

               The  quarterly  cash dividend will be paid on January 28, 2000 to
               shareholders of record as of December 31, 1999.

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

               c.         Exhibits.

               99.        Press release dated November 24, 1999

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

               99.        Press release dated November 24, 1999          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 29, 1999                   SALISBURY BANCORP, INC.


                                             By: /s/ John F. Perotti
                                             -----------------------------------
                                                  John F. Perotti, President and
                                                  Chief Executive Officer
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EX-99

Wednesday, November 24, 1999

Company Press Release

SOURCE: Salisbury Bancorp, Inc.

Salisbury Bancorp, Inc. Declares Quarterly Dividend and Special Dividend


Lakeville, Connecticut, November 24, 1999/ PRNewswire/-The Board of Directors of
Salisbury  Bancorp,  Inc.  (AMEX:SAL),  the parent company of Salisbury Bank and
Trust  Company,  declared a $0.12 per share  quarterly  cash  dividend  at their
November 24, 1999  meeting.  The Board also  declared a special cash dividend of
$.22 per share. The total dividend of $.34 per share will be paid on January 28,
2000 to shareholders of record as of December 31, 1999.

The Company  declared cash dividends  totaling $.60 per share for the year 1998.
Dividends declared for 1999 total $.70 per share which represents an increase of
16.7% when comparing the two years.

 Salisbury  Bancorp's sole  subsidiary,  Salisbury Bank and Trust Company,  is a
community  bank with  assets in excess of $217  million and capital in excess of
$19  million,  headquartered  in  Northwestern  Connecticut,  which  offers full
financial services to the communities it services in Connecticut,  Massachusetts
and New York.
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