| For                the Quarter Ended September 30, 2005 | Commission                file number 000-51408 |
|---------------------------------------------------------|-------------------------------------------------|

| Connecticut                             | 04-3806732                                             |
|-----------------------------------------|--------------------------------------------------------|
| (State                of incorporation) | (I.R.S.                Employer Identification Number) |

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|                                                                |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              | Page                                                                                                                                           |
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| Part                I                                               | FINANCIAL                INFORMATION                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                                                                                           |
|                                                                |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                                                                                           |
| Item                1.                                              | Financial                Statements:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                                                                                           |
|                                                                | Consolidated                Statements of Financial Condition as of September 30, 2005 and December                31, 2004 Consolidated                Statements of Income for the three and nine month periods ended September                30, 2005 and 2004 Consolidated                Statements of Changes in Capital Accounts for the nine month periods                ended                September 30, 2005 and 2004 Consolidated                Statements of Cash Flows for the nine month periods ended September                30,                2005 and 2004 Notes                to Consolidated Financial Statements |  3                  4   5                  6                 7                -                11 |
| Item                2.                                              | Management’s                Discussion and Analysis or                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |                                                                                                                                           |
|                                                                | Plan                of Operation                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  | 11                - 21                                                                                                                         |
|                                                                |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                                                                                           |
| Item                3.                                              | Controls                and Procedures                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            | 21                                                                                                                                             |
|                                                                |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                                                                                           |
| Part                II                                              | OTHER                INFORMATION                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |                                                                                                                                           |
|  Item                1.                                        |  Legal                Proceedings                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |  21                                                                                                                                       |
| Item                2.                                              | Unregistered                Sales of Equity Securities and Use of Proceeds                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | 21                                                                                                                                             |
| Item                3. Item                4.Item                5. | Defaults                Upon Senior SecuritiesSubmission                of Matters to a Vote of Security HoldersOther                Information                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  | 212121                                                                                                                                         |
| Item                6.                                              | Exhibits                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          | 21                - 22                                                                                                                         |
| SIGNATURESCERTIFICATIONS                                            |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              | 2323                - 28                                                                                                                       |

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| **FIRST                  VALLEY BANCORP, INC. AND SUBSIDIARY FORM 10-QSB QUARTERLY                  REPORT** |   |
|--------------------------------------------------------------------------------------------------------------|--------|
| **SEPTEMBER                  30, 2005**                                                                      |   |
|                                                                                                         |   |
| Part                  1 FINANCIAL INFORMATION                                                                |   |
| Item                  1 Financial Statements:                                                                |   |
|                                                                                                         |   |   |   |   |   |
| **CONSOLIDATED                  STATEMENTS OF FINANCIAL CONDITION**                                          |   |
| **(in                  thousands except share data)**                                                        |   |
|                                                                                                         |   | September                  30, |   | December                  31, |   |
|                                                                                                         |   | 2005 |   | 2004 |   |
|                                                                                                         |   |   | (Unaudited)  |   |   |   |   |
| **ASSETS**                                                                                                   |   |   |   |   |   |   |   |
| Cash                  and due from depository institutions                                                   |   | $ | 4,425 |   | $ | 5,764 |   |
| Federal                  funds sold and money market accounts                                                |   |   | 7,883 |   |   | 4,269 |   |
| Investment                  securities                                                                       |   |   | 38,563 |   |   | 39,548 |   |
| Loans                  receivable, net                                                                       |   |   | 93,424 |   |   | 77,729 |   |
| Premises                  and equipment, net                                                                 |   |   | 1,464 |   |   | 1,524 |   |
| FHLB                  Stock                                                                                  |   |   | 727 |   |   | 727 |   |
| Accrued                  income receivable                                                                   |   |   | 561 |   |   | 560 |   |
| Deferred                  income taxes                                                                       |   |   | 702 |   |   | 632 |   |
| Other                  assets                                                                                |   |   | 545 |   |   | 187 |   |
| **TOTAL                  ASSETS**                                                                            |   | **$** | **148,294** |   | **$** | **130,940** |   |
|                                                                                                         |   |   |   |   |   |   |   |
| **LIABILITIES                  AND CAPITAL ACCOUNTS**                                                        |   |   |   |   |   |   |   |
| Deposits:                                                                                                    |   |   |   |   |   |   |   |
| Non-interest                  bearing                                                                        |   | $ | 17,543 |   | $ | 12,300 |   |
| Interest                  bearing                                                                            |   |   | 104,722 |   |   | 95,446 |   |
| Total                  deposits                                                                              |   |   | 122,265 |   |   | 107,746 |   |
| Federal                  Home Loan Bank advances                                                             |   |   | 10,022 |   |   | 12,679 |   |
| Junior                  subordinated debt                                                                    |   |   | 4,096 |   |   | - |   |
| Mortgagors'                  escrow accounts                                                                 |   |   | 83 |   |   | 150 |   |
| Other                  liabilities                                                                           |   |   | 2,194 |   |   | 1,206 |   |
| Total                  Liabilities                                                                           |   |   | 138,660 |   |   | 121,781 |   |
|                                                                                                         |   |   |   |   |   |   |   |
| Capital                  Accounts:                                                                           |   |   |   |   |   |   |   |
| Common                  stock, no par value; authorized 2,000,000 shares;                                    |   |   |   |   |   |   |   |
| issued                  and outstanding 1,076,082 and 1,072,902 at                                           |   |   |   |   |   |   |   |
| June                  30, 2005 and December 31, 2004, respectively                                           |   |   | 892 |   |   | 887 |   |
| Additional                  paid-in capital                                                                  |   |   | 8,194 |   |   | 8,126 |   |
| Retained                  earnings                                                                           |   |   | 816 |   |   | 305 |   |
| Accumulated                  other comprehensive loss                                                        |   |   | (268 | ) |   | (159 | ) |
| Total                  Capital Accounts                                                                      |   |   | 9,634 |   |   | 9,159 |   |
| **TOTAL                  LIABILITIES AND CAPITAL ACCOUNTS**                                                  |   | **$** | **148,294** |   | **$** | **130,940** |   |
|                                                                                                         |   |   |   |   |   |   |   |
| See                  notes to financial statements                                                           |   |   |   |   |

----

| **FIRST                  VALLEY BANCORP, INC. AND SUBSIDIARY FORM 10-QSB QUARTERLY                  REPORT** |   |
|--------------------------------------------------------------------------------------------------------------|--------|
| **SEPTEMBER                  30, 2005**                                                                      |   |
|                                                                                                         |   |   |   |   |   |   |   |   |   |   |   |
| **CONSOLIDATED                  STATEMENTS OF INCOME (UNAUDITED)**                                           |   |
| **(in                  thousands except share data)**                                                        |   |
|                                                                                                         |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                                         |   |   |   | Three                  Months Ended |   | Nine                  Months Ended |   |
|                                                                                                         |   |   |   | September                  30, |   | September                  30, |   |
| Interest                  income:                                                                            |   | 2005 |   | 2004 |   | 2005 |   | 2004 |   |
| Interest                  on loans                                                                           |   |   |   |   | $ | 1,510 |   | $ | 1,185 |   | $ | 4,228 |   | $ | 3,302 |   |
| Interest                  and dividends on investments                                                       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| and                  deposits                                                                                |   |   |   |   |   | 426 |   |   | 357 |   |   | 1,186 |   |   | 967 |   |
| Total                  interest income                                                                       |   |   |   |   |   | 1,936 |   |   | 1,542 |   |   | 5,414 |   |   | 4,269 |   |
|                                                                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest                  expense:                                                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Deposits                  and escrow                                                                         |   |   |   |   |   | 609 |   |   | 409 |   |   | 1,582 |   |   | 1,045 |   |
| Borrowed                  money                                                                              |   |   |   |   |   | 137 |   |   | 65 |   |   | 289 |   |   | 194 |   |
| Total                  interest expense                                                                      |   |   |   |   |   | 746 |   |   | 474 |   |   | 1,871 |   |   | 1,239 |   |
| Net                  interest income                                                                         |   |   |   |   |   | 1,190 |   |   | 1,068 |   |   | 3,543 |   |   | 3,030 |   |
|                                                                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Provision                  for loan losses                                                                   |   |   |   |   |   | 94 |   |   | 75 |   |   | 255 |   |   | 237 |   |
|                                                                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net                  interest income after provision for loan losses                                         |   |   |   |   |   | 1,096 |   |   | 993 |   |   | 3,288 |   |   | 2,793 |   |
|                                                                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Noninterest                  income:                                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Service                  charges and other fees                                                              |   |   |   |   |   | 99 |   |   | 79 |   |   | 290 |   |   | 217 |   |
| Realized                  gains on investments                                                               |   |   |   |   |   | - |   |   | - |   |   | - |   |   | 6 |   |
| Total                  noninterest income                                                                    |   |   |   |   |   | 99 |   |   | 79 |   |   | 290 |   |   | 223 |   |
|                                                                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Noninterest                  expenses:                                                                       |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Salaries                                                                                                     |   |   |   |   |   | 452 |   |   | 382 |   |   | 1,262 |   |   | 1,100 |   |
| Employee                  benefits and taxes                                                                 |   |   |   |   |   | 85 |   |   | 72 |   |   | 253 |   |   | 222 |   |
| Occupancy                  and equipment                                                                     |   |   |   |   |   | 165 |   |   | 187 |   |   | 494 |   |   | 545 |   |
| Professional                  fees                                                                           |   |   |   |   |   | 35 |   |   | 34 |   |   | 110 |   |   | 111 |   |
| Marketing                                                                                                    |   |   |   |   |   | 19 |   |   | 24 |   |   | 71 |   |   | 70 |   |
| Office                  supplies                                                                             |   |   |   |   |   | 16 |   |   | 15 |   |   | 54 |   |   | 50 |   |
| Outside                  service fees                                                                        |   |   |   |   |   | 63 |   |   | 33 |   |   | 170 |   |   | 97 |   |
| Other                                                                                                        |   |   |   |   |   | 175 |   |   | 46 |   |   | 345 |   |   | 148 |   |
| Total                  noninterest expenses                                                                  |   |   |   |   |   | 1,010 |   |   | 793 |   |   | 2,759 |   |   | 2,343 |   |
| Income                  before income tax expense                                                            |   |   |   |   |   | 185 |   |   | 279 |   |   | 819 |   |   | 673 |   |
| Income                  tax expense                                                                          |   |   |   |   |   | 57 |   |   | 109 |   |   | 308 |   |   | 260 |   |
| **NET                  INCOME**                                                                              |   |   |   |   | **$** | **128** |   | **$** | **170** |   | **$** | **511** |   | **$** | **413** |   |
|                                                                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Basic                  income per share                                                                      |   |   |   |   | $ | 0.12 |   | $ | 0.16 |   | $ | 0.47 |   | $ | 0.39 |   |
| Diluted                  income per share                                                                    |   |   |   |   | $ | 0.11 |   | $ | 0.16 |   | $ | 0.45 |   | $ | 0.38 |   |
|                                                                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Weighted-average                  shares outstanding - basic                                                 |   |   |   |   |   | 1,078,237 |   |   | 1,072,121 |   |   | 1,076,773 |   |   | 1,071,026 |   |
| Weighted-average                  shares outstanding - diluted                                               |   |   |   |   |   | 1,127,356 |   |   | 1,087,475 |   |   | 1,125,892 |   |   | 1,086,381 |   |
|                                                                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| See                  notes to financial statements                                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |

----

| **FIRST                    VALLEY BANCORP, INC. AND SUBSIDIARY FORM 10-QSB QUARTERLY                    REPORT** |   |
|------------------------------------------------------------------------------------------------------------------|--------|
| **SEPTEMBER                    30, 2005**                                                                        |   |
|                                                                                                             |   |   |   |   |   |   |   |   |   |   |   |
| **CONSOLIDATED                    STATEMENTS OF CHANGES IN CAPITAL ACCOUNTS                    (UNAUDITED)**     |   |   |
| **(in                    thousands)**                                                                            |   |   |
|                                                                                                             |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                                             |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                                             |   |   |   |   |   |   |   | **Accumulated** |   |   |   |
|                                                                                                             |   |   |   | **Addtl** |   |   |   | **Other** |   | **Total** |   |
|                                                                                                             |   | **Common** |   | **Paid-In** |   | **Accumulated** |   | **Comprehensive** |   | **Capital** |   |
|                                                                                                             |   | **Stock** |   | **Capital** |   | **Deficit** |   | **Income                    (Loss)** |   | **Accounts** |   |
|                                                                                                             |   |   |   |   |   |   |   |   |   |   |   |
| Balance                    at December 31, 2003                                                                  |   | $ | 884 |   | $ | 8,090 |   | $ | (267 | ) | $ | (62 | ) | $ | 8,645 |   |
|                                                                                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net                    income                                                                                    |   |   |   |   |   |   |   |   | 413 |   |   |   |   |   | 413 |   |
| Shares                    issued under stock                                                                     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| compensation                    plan                                                                             |   |   | 3 |   |   | 36 |   |   |   |   |   |   |   |   | 39 |   |
| Net                    unrealized losses on                                                                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| available-for-sale                    securities                                                                 |   |   |   |   |   |   |   |   |   |   |   | (13 | ) |   | (13 | ) |
|                                                                                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Balance                    at September 30, 2004                                                                 |   | $ | 887 |   | $ | 8,126 |   | $ | 146 |   | $ | (75 | ) | $ | 9,084 |   |
|                                                                                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Balance                    at December 31, 2004                                                                  |   | $ | 887 |   | $ | 8,126 |   | $ | 305 |   | $ | (159 | ) | $ | 9,159 |   |
|                                                                                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net                    income                                                                                    |   |   |   |   |   |   |   |   | 511 |   |   |   |   |   | 511 |   |
|                                                                                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Shares                    issued under stock                                                                     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| compensation                    plan                                                                             |   |   | 5 |   |   | 68 |   |   |   |   |   |   |   |   | 73 |   |
| Net                    unrealized losses on                                                                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| available-for-sale                    securities                                                                 |   |   |   |   |   |   |   |   |   |   |   | (109 | ) |   | (109 | ) |
|                                                                                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| **Balance                    at September 30, 2005**                                                             |   | **$** | **892** |   | **$** | **8,194** |   | **$** | **816** |   | **$** | **(268** | **)** | **$** | **9,634** |   |
|                                                                                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| See                    notes to financial statements                                                             |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |

----

| **FIRST VALLEY BANCORP, INC. AND SUBSIDIARY                    FORM                    10-QSB QUARTERLY REPORT** |   |
|------------------------------------------------------------------------------------------------------------------|--------|
| **SEPTEMBER 30, 2005**                                                                                           |   |
|                                                                                                             |   |   |   |   |   |
| **CONSOLIDATED STATEMENTS OF CASH FLOWS                    (UNAUDITED)**                                         |   |
| **(in                    thousands)**                                                                            |   |
|                                                                                                             |   | Nine                    Months Ended September                    30, |   |
| **Cash                    flows from operating activities**                                                      |   | 2005 |   | 2004 |   |
| Net                    income                                                                                    |   | $ | 511 |   | $ | 413 |   |
| Adjustments                    to reconcile net income to                                                        |   |   |   |   |   |   |   |
| cash                    provided by operating activities:                                                        |   |   |   |   |   |   |   |
| Realized                    gains on investments                                                                 |   |   | - |   |   | (6 | ) |
| Depreciation                                                                                                     |   |   | 178 |   |   | 160 |   |
| Provision                    for loan losses                                                                     |   |   | 255 |   |   | 237 |   |
| Amortization                    (accretion) of premiums (discounts) net                                          |   |   | 133 |   |   | 162 |   |
| Net                    Change in:                                                                                |   |   |   |   |   |   |   |
| Accrued                    income receivable                                                                     |   |   | (1 | ) |   | (90 | ) |
| Deferred                    loan fees                                                                            |   |   | 38 |   |   | 30 |   |
| Other                    assets                                                                                  |   |   | (359 | ) |   | (30 | ) |
| Other                    liabilities                                                                             |   |   | 988 |   |   | 151 |   |
| Net                    cash provided by operating activities                                                     |   |   | 1,743 |   |   | 1,027 |   |
|                                                                                                             |   |   |   |   |   |   |   |
| **Cash                    flows from investing activities**                                                      |   |   |   |   |   |   |   |
| Proceeds                    from maturities, calls and paydowns                                                  |   |   |   |   |   |   |   |
| of                    available-for-sale securities                                                              |   |   | 17,746 |   |   | 11,087 |   |
| Proceeds                    from sales of available-for-sale securities                                          |   |   | - |   |   | - |   |
| Purchase                    of available-for-sale securities                                                     |   |   | (17,072 | ) |   | (21,117 | ) |
| Loan                    originations net of principal payments                                                   |   |   | (15,988 | ) |   | (13,862 | ) |
| Purchases                    of premises and equipment                                                           |   |   | (118 | ) |   | (720 | ) |
| Net                    cash used by investing activities                                                         |   |   | (15,432 | ) |   | (24,612 | ) |
|                                                                                                             |   |   |   |   |   |   |   |
| **Cash                    flows from financing activities**                                                      |   |   |   |   |   |   |   |
| Change                    in DDA, NOW, money market and                                                          |   |   |   |   |   |   |   |
| savings                    accounts                                                                              |   |   | 3,661 |   |   | 13,958 |   |
| Change                    in time deposit accounts                                                               |   |   | 10,858 |   |   | 11,528 |   |
| Change                    in borrowed funds                                                                      |   |   | 1,439 |   |   | (150 | ) |
| Change                    in mortgagors' escrow accounts                                                         |   |   | (67 | ) |   | (71 | ) |
| Proceeds                    from issuance of common stock                                                        |   |   | 73 |   |   | 39 |   |
| Net                    cash provided by financing activities                                                     |   |   | 15,964 |   |   | 25,304 |   |
|                                                                                                             |   |   |   |   |   |   |   |
| Net                    change in cash and cash equivalents                                                       |   |   | 2,275 |   |   | 1,719 |   |
| Cash                    and cash equivalents at beginning of period                                              |   |   | 10,033 |   |   | 7,074 |   |
|                                                                                                             |   |   |   |   |   |   |   |
| **Cash                    and cash equivalents at end of period**                                                |   | $ | 12,308 |   | $ | 8,793 |   |
|                                                                                                             |   |   |   |   |   |   |   |
| ***Supplemental                    Disclosures***                                                                |   |   |   |   |   |   |   |
| Cash                    paid during the period for:                                                              |   |   |   |   |   |   |   |
| Interest                                                                                                         |   | $ | 1,751 |   | $ | 1,163 |   |
| Income                    taxes                                                                                  |   | $ | 514 |   | $ | 258 |   |
|                                                                                                             |   |   |   |   |   |   |   |
|                                                                                                             |   |   |   |   |   |   |   |
| See                    notes to financial statements                                                             |   |   |   |   |   |   |   |

----

**Notes      to Financial Statements**

**(Unaudited)**

**Note      1. **
**Business**

**Note      2. **
**Basis      of presentation**

----

**Note      3. **
**Comprehensive      Income**

|                                                                                                             |   | Nine                Months Ended |    |
|------------------------------------------------------------------------------------------------------------------|--------|----------------------------------|---------|
| (in                thousands)                                                                                    |   | September                30,     |    |
|                                                                                                             |   | 2005                             |    | 2004 |   |
| Net                Income                                                                                        |   | $                                | 511     |   | $ | 413 |   |
|                                                                                                             |   |                             |    |   |   |   |   |
| Other                comprehensive income (loss):                                                                |   |                             |    |   |   |   |   |
| Net                unrealized holding gains (losses) on securities available for                sale             |   |                             | (178    | ) | $ | (20 | ) |
| Reclassification                adjustment for gain recognized in net income                                     |   |                             | -       |   |   | (6 | ) |
| Other                comprehensive income (loss) before tax expense                                              |   |                             | (178    | ) |   | (26 | ) |
| Income                tax expense (benefit) related to items of other comprehensive income                (loss) |   |                             | 69      |   |   | 13 |   |
| Other                comprehensive income net of tax                                                             |   |                             | (109    | ) |   | (13 | ) |
| **Total                comprehensive income**                                                                    |   | **$**                            | **402** |   | **$** | **400** |   |

**Note      4. **
**Income      per Share**

**Note      5. **
**Commitment      to Extend Credit**

| (in                thousands)                |   |                              |   |                             |   |
|----------------------------------------------|--------|-----------------------------------|--------|----------------------------------|--------|
|                                         |   | September                30, 2005 |   | December                31, 2004 |   |
| Commitments                to extend credit: |   |                              |   |                             |   |   |   |
| Loan                commitments              |   | $                                 | 11,845 |                             | $      | 2,987 |   |
| Unadvanced                lines of credit    |   |                              | 23,904 |                             |   | 16,572 |   |
| Standby                letters of credit     |   |                              | 482    |                             |   | 504 |   |
| Outstanding                commitments       |   | $                                 | 36,231 |                             | $      | 20,063 |   |

----

**Note      6. **
**Stock      Based Compensation**

|                                                   |   | **9                Months** |   | **9                Months** |   |
|--------------------------------------------------------|--------|-----------------------------|--------|-----------------------------|--------|
|                                                   |   | **Ended**                   |   | **Ended**                   |   |
| *(in                thousands except share data)*      |   | **9/30/05**                 |   | **9/30/04**                 |   |
|                                                   |   |                        |   |                        |   |   |   |
| Net                income, as reported                 |   | $                           | 511    |                        | $      | 413 |   |
| Stock-based                employee compensation       |   |                        |   |                        |   |   |   |
| included                in net income                  |   |                        | -      |                        |   | - |   |
| Total                stock-based employee compensation |   |                        |   |                        |   |   |   |
| expense                determined under the fair value |   |                        |   |                        |   |   |   |
| based                method for all awards             |   |                        | -      |                        |   | (20 | ) |
| Pro                forma net income                    |   | $                           | 511    |                        | $      | 393 |   |
|                                                   |   |                        |   |                        |   |   |   |
| Earnings                per share:                     |   |                        |   |                        |   |   |   |
| Basic,                as reported                      |   | $                           | 0.47   |                        | $      | 0.39 |   |
| Diluted,                as reported                    |   | $                           | 0.45   |                        | $      | 0.38 |   |
| Basic,                pro forma                        |   | $                           | 0.47   |                        | $      | 0.37 |   |
| Diluted,                pro forma                      |   | $                           | 0.45   |                        | $      | 0.36 |   |

**Note      7. **
**Recent      Accounting Pronouncements**

----

**Note      8. **
**Long      Term Debt**

----

**Part      I. - FINANCIAL INFORMATION**

**Item      2. Management’s Discussion and Analysis of Financial Condition and Results of      Operations**

**Cautionary      Statement**

**(a)**
**Plan      of Operation**

**(b)**
**Management's      Discussion and Analysis of Financial Condition and Results of      Operation**

**Overview**

----

**FINANCIAL      CONDITION**

**General**

----

**Investment      Securities**

| **September                30, 2005**              |   |      |      |                            |                            |      |      |                        |   |
|----------------------------------------------------|--------|-----------|-----------|---------------------------------|---------------------------------|-----------|-----------|-----------------------------|--------|
| Available-for-sale                securities:      |   | Amortized |      | Gross                Unrealized |                            | Estimated |      |
| U.S.                agency obligations:            |   | Cost      |      | Gain                            |                            | Loss      |      | Market                Value |   |
| Due                in less than one year           |   | $         | 1,000     |                            | $                               | -         |      | $                           | (12    | ) | $ | 988 |   |
| Due                from one through five years     |   |      | 8,010     |                            |                            | -         |      |                        | (120   | ) |   | 7,890 |   |
|                                               |   |      | 9,010     |                            |                            | -         |      |                        | (132   | ) |   | 8,878 |   |
| Corporate                bonds:                    |   |      |      |                            |                            |      |      |                        |   |   |   |   |   |
| Due                from one through five years     |   |      | 2,104     |                            |                            | -         |      |                        | (50    | ) |   | 2,054 |   |
|                                               |   |      |      |                            |                            |      |      |                        |   |   |   |   |   |
| Municipal                obligations:              |   |      |      |                            |                            |      |      |                        |   |   |   |   |   |
| Due                from five through ten years     |   |      | 494       |                            |                            | 1         |      |                        | -      |   |   | 495 |   |
| Due                after ten years                 |   |      | 2,071     |                            |                            | 1         |      |                        | (6     | ) |   | 2,066 |   |
|                                               |   |      | 2,565     |                            |                            | 2         |      |                        | (6     | ) |   | 2,561 |   |
|                                               |   |      |      |                            |                            |      |      |                        |   |   |   |   |   |
| Mortgage-backed                securities          |   |      | 22,318    |                            |                            | 3         |      |                        | (251   | ) |   | 22,070 |   |
|                                               |   |      |      |                            |                            |      |      |                        |   |   |   |   |   |
| Variable                rate preferred securities  |   |      | 3,000     |                            |                            | -         |      |                        | -      |   |   | 3,000 |   |
| Total                available-for-sale securities |   | $         | 38,997    |                            | $                               | 5         |      | $                           | (439   | ) | $ | 38,563 |   |
|                                               |   |      |      |                            |                            |      |      |                        |   |   |   |   |   |
| **December                31, 2004:**              |   |      |      |                            |                            |      |      |                        |   |   |   |   |   |
| Available-for-sale                securities:      |   |      | Amortized |                            | Gross                Unrealized |      | Estimated |                        |
| U.S.                agency obligations:            |   |      | Cost      |                            |                            | Gain      |      |                        | Loss   |   |   | Market                Value |   |
| Due                in less than one year           |   | $         | 500       |                            | $                               | 3         |      | $                           | -      |   | $ | 503 |   |
| Due                from one through five years     |   |      | 8,518     |                            |                            | 2         |      |                        | (86    | ) |   | 8,434 |   |
|                                               |   |      | 9,018     |                            |                            | 5         |      |                        | (86    | ) |   | 8,937 |   |
| Corporate                bonds:                    |   |      |      |                            |                            |      |      |                        |   |   |   |   |   |
| Due                from one through five years     |   |      | 2,129     |                            |                            | -         |      |                        | (27    | ) |   | 2,102 |   |
| Due                after ten years                 |   |      | 100       |                            |                            | 3         |      |                        | -      |   |   | 103 |   |
|                                               |   |      | 2,229     |                            |                            | 3         |      |                        | (27    | ) |   | 2,205 |   |
|                                               |   |      |      |                            |                            |      |      |                        |   |   |   |   |   |
| Mortgage-backed                securities          |   |      | 26,557    |                            |                            | 23        |      |                        | (174   | ) |   | 26,406 |   |
|                                               |   |      |      |                            |                            |      |      |                        |   |   |   |   |   |
| Variable                rate preferred securities  |   |      | 2,000     |                            |                            | -         |      |                        | -      |   |   | 2,000 |   |
| Total                available-for-sale securities |   | $         | 39,804    |                            | $                               | 31        |      | $                           | (287   | ) | $ | 39,548 |   |

**Loans**

----

|                                          |   | **AT**        |   | **AT**         |   |
|-----------------------------------------------|--------|---------------|--------|----------------|--------|
|                                          |   | **9/30/2005** |   | **12/31/2004** |   |
| Commercial                mortgages           |   | $             | 46,651 |           | $      | 38,186 |   |
| Commercial                loans               |   |          | 17,853 |           |   | 19,227 |   |
| Residential                mortgages          |   |          | 20,329 |           |   | 12,407 |   |
| Consumer                and home equity loans |   |          | 10,292 |           |   | 9,409 |   |
|                                          |   |          | 95,125 |           |   | 79,229 |   |
| Less:                                         |   |          |   |           |   |   |   |
| Deferred                loan origination fees |   |          | 243    |           |   | 205 |   |
| Allowance                for loan losses      |   |          | 1,458  |           |   | 1,295 |   |
| Loans                receivable, net          |   | $             | 93,424 |           | $      | 77,729 |   |
| Weighted                average yield         |   |          | 6.47   | %              |   | 6.20 | % |

**Critical      Accounting Policies**

**Allowance      for Loan Losses**

----

| Balance,                beginning of period |   | $      | 1,295     |   |
|---------------------------------------------|--------|--------|-----------|--------|
| Provision                for loan losses    |   |   | 255       |   |
| Chargeoffs                                  |   |   | (99       | )      |
| Recoveries                                  |   |   | 7         |   |
| Balance,                end of period       |   | **$**  | **1,458** |   |

**Deposits**

|                                 |   | **AT                9/30/2005** |        | **AT                12/31/2004** |   |
|--------------------------------------|--------|---------------------------------|-------------|----------------------------------|--------|
|                                 |   |                            |        | **Weighted**                     |   |   |   | **Weighted** |   |
|                                 |   |                            |        | **Average**                      |   |   |   | **Average** |   |
|                                 |   | **Amount**                      |        | **Rate**                         |   | **Amount** |   | **Rate** |   |
| Non-interest                checking |   | $                               | 17,543      |                             |   | 0.00 | % | $ | 12,300 |   |   | 0.00 | % |
| Regular                savings       |   |                            | 22,921      |                             |   | 0.77 | % |   | 23,782 |   |   | 0.81 | % |
| Money                market savings  |   |                            | 20,846      |                             |   | 2.18 | % |   | 21,326 |   |   | 1.40 | % |
| NOW                accounts          |   |                            | 3,190       |                             |   | 0.45 | % |   | 3,431 |   |   | 0.34 | % |
|                                 |   |                            | 64,500      |                             |   | 1.00 | % |   | 60,839 |   |   | 0.83 | % |
|                                 |   |                            |        |                             |   |   |   |   |   |   |   |   |   |
| Time                deposits         |   |                            | 57,765      |                             |   | 3.28 | % |   | 46,907 |   |   | 2.73 | % |
| Total                Deposits        |   | **$**                           | **122,265** |                             |   | **2.08** | **%** | **$** | **107,746** |   |   | **1.65** | **%** |

**Borrowed      Funds**

----

**Liquidity      and Capital Resources**

----

**RESULTS      OF OPERATIONS**

**Comparison      of the three and nine-month periods ended September 30, 2005 and 2004**
**Net      Income**

**Net      Interest Income**

**Interest      Income**

**Interest      Expense**

----

|                                                    |   | For                  Three Months Ended |    |
|---------------------------------------------------------|--------|-----------------------------------------|---------|
|                                                    |   | September                  30, 2005     |    | September                  30, 2004 |   |
| **Interest                  Earning Assets:**           |   |                                    | Average |   |   | Income/ |   |   | Average |   |   | Average |   |   | Income/ |   |   | Average |   |
| Federal                  funds sold and money           |   |                                    | Balance |   |   | Expense |   |   | Rate |   |   | Balance |   |   | Expense |   |   | Rate |   |
| market                  accounts                        |   | $                                       | 8,438   |   | $ | 70 |   |   | 3.29 | % | $ | 4,882 |   | $ | 15 |   |   | 1.22 | % |
| Investment                  securities                  |   |                                    | 38,186  |   |   | 356 |   |   | 3.70 | % |   | 38,991 |   |   | 342 |   |   | 3.49 | % |
| Loans                                                   |   |                                    | 90,199  |   |   | 1,510 |   |   | 6.64 | % |   | 73,893 |   |   | 1,185 |   |   | 6.38 | % |
| Total                  interest earnings assets         |   |                                    | 136,823 |   |   | 1,936 |   |   | 5.61 | % |   | 117,766 |   |   | 1,542 |   |   | 5.21 | % |
| Non-interest-earning                  assets            |   |                                    | 6,544   |   |   |   |   |   |  |   |   | 5,838 |   |   |   |   |   |  |   |
| Total                  assets                           |   | $                                       | 143,366 |   |   |   |   |   |  |   | $ | 123,604 |   |   |   |   |   |  |   |
|                                                    |   |                                    |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| **Interest                  Bearing Liabilities:**      |   |                                    |         |   |   |   |   |   |  |   |   |  |   |   |   |   |   |  |   |
| NOW                  accounts                           |   |                                    | 2,963   |   |   | 4 |   |   | 0.54 | % |   | 2,975 |   |   | 4 |   |   | 0.53 | % |
| Savings                  and money market accounts      |   |                                    | 43,735  |   |   | 154 |   |   | 1.40 | % |   | 45,256 |   |   | 132 |   |   | 1.16 | % |
| Time                  deposits                          |   |                                    | 56,358  |   |   | 451 |   |   | 3.17 | % |   | 42,491 |   |   | 273 |   |   | 2.56 | % |
| Borrowed                  money                         |   |                                    | 13,810  |   |   | 137 |   |   | 3.94 | % |   | 10,443 |   |   | 65 |   |   | 2.48 | % |
| Total                  interest bearing liabilities     |   |                                    | 116,867 |   |   | 746 |   |   | 2.53 | % |   | 101,165 |   |   | 474 |   |   | 1.86 | % |
| Non-interest                  bearing demand deposits   |   |                                    | 15,132  |   |   |   |   |   |  |   |   | 12,242 |   |   |   |   |   |  |   |
| Other                  non-interest-bearing liabilities |   |                                    | 1,815   |   |   |   |   |   |  |   |   | 1,314 |   |   |   |   |   |  |   |
| Capital                  accounts                       |   |                                    | 9,552   |   |   |   |   |   |  |   |   | 8,883 |   |   |   |   |   |  |   |
| Total                  liabilities and capital accounts |   | $                                       | 143,366 |   |   |   |   |   |  |   | $ | 123,604 |   |   |   |   |   |  |   |
|                                                    |   |                                    |         |   |   |   |   |   |  |   |   |  |   |   |   |   |   |  |   |
| Net                  interest income                    |   |                                    |         |   |   | 1,190 |   |   |  |   |   |  |   |   | 1,068 |   |   |  |   |
|                                                    |   |                                    |         |   |   |   |   |   |  |   |   |  |   |   |   |   |   |  |   |
| Net                  interest margin                    |   |                                    |         |   |   | 3.45 | % |   |  |   |   |  |   |   | 3.64 | % |   |  |   |
| Interest                  rate spread                   |   |                                    |         |   |   | 3.08 | % |   |  |   |   |  |   |   | 3.35 | % |   |  |   |

----

|                                            |   | For                  Nine Months Ended |    |
|-------------------------------------------------|--------|----------------------------------------|---------|
|                                            |   | September                  30, 2005    |    | September                  30, 2004 |   |
| **Interest-Earning                  Assets:**   |   |                                   | Average |   |   | Income/ |   |   | Average |   |   | Average |   |   | Income/ |   |   | Average |   |
| Federal                  funds sold and money   |   |                                   | Balance |   |   | Expense |   |   | Rate |   |   | Balance |   |   | Expense |   |   | Rate |   |
| market                  accounts                |   | $                                      | 5,453   |   | $ | 121 |   |   | 2.97 | % | $ | 4,162 |   | $ | 32 |   |   | 1.03 | % |
| Investment                  securities          |   |                                   | 37,991  |   |   | 1,065 |   |   | 3.75 | % |   | 35,601 |   |   | 935 |   |   | 3.51 | % |
| Loans                                           |   |                                   | 85,615  |   |   | 4,228 |   |   | 6.60 | % |   | 68,634 |   |   | 3,302 |   |   | 6.43 | % |
| Total                  interest-earnings assets |   |                                   | 129,059 |   |   | 5,414 |   |   | 5.61 | % |   | 108,397 |   |   | 4,269 |   |   | 5.26 | % |
| Non-interest-earning                  assets    |   |                                   | 6,791   |   |   |   |   |   |  |   |   | 6,174 |   |   |   |   |   |  |   |
| Total                  assets                   |   | $                                      | 135,850 |   |   |   |   |   |  |   | $ | 114,571 |   |   |   |   |   |  |   |

----

| **Interest-Bearing                  Liabilities:**      |   |   |         |   |   |   |   |   |      |   |   |         |   |   |   |   |   |      |   |
|---------------------------------------------------------|--------|--------|---------|--------|--------|--------|--------|--------|------|--------|--------|---------|--------|--------|--------|--------|--------|------|--------|
| NOW                  accounts                           |   |   | 3,042   |   |   | 15     |   |   | 0.66 | %      |   | 2,815   |   |   | 11     |   |   | 0.52 | %      |
| Savings                  and money market accounts      |   |   | 43,716  |   |   | 407    |   |   | 1.24 | %      |   | 40,642  |   |   | 329    |   |   | 1.08 | %      |
| Time                  deposits                          |   |   | 52,271  |   |   | 1,160  |   |   | 2.97 | %      |   | 38,149  |   |   | 705    |   |   | 2.47 | %      |
| Borrowed                  money                         |   |   | 10,473  |   |   | 289    |   |   | 3.69 | %      |   | 10,836  |   |   | 194    |   |   | 2.39 | %      |
| Total                  interest-bearing liabilities     |   |   | 109,502 |   |   | 1,871  |   |   | 2.28 | %      |   | 92,442  |   |   | 1,239  |   |   | 1.79 | %      |
| Non-interest-bearing                  demand deposits   |   |   | 14,366  |   |   |   |   |   | 0.00 | %      |   | 11,996  |   |   |   |   |   | 0.00 | %      |
| Other                  non-interest-bearing liabilities |   |   | 2,601   |   |   |   |   |   |      |   |   | 1,316   |   |   |   |   |   |      |   |
| Capital                  accounts                       |   |   | 9,381   |   |   |   |   |   |      |   |   | 8,817   |   |   |   |   |   |      |   |
| Total                  liabilities and capital accounts |   | $      | 135,850 |   |   |   |   |   |      |   | $      | 114,571 |   |   |   |   |   |      |   |
|                                                    |   |   |         |   |   |   |   |   |      |   |   |         |   |   |   |   |   |      |   |
| Net                  interest income                    |   |   |         |   |   | 3,543  |   |   |      |   |   |         |   |   | 3,030  |   |   |      |   |
|                                                    |   |   |         |   |   |   |   |   |      |   |   |         |   |   |   |   |   |      |   |
| Net                  interest margin                    |   |   |         |   |   | 3.67   | %      |   |      |   |   |         |   |   | 3.73   | %      |   |      |   |
| Interest                  rate spread                   |   |   |         |   |   | 3.32   | %      |   |      |   |   |         |   |   | 3.47   | %      |   |      |   |

----

|                                               |   | For                  the 3 Months Ended         |                                        | For                  the 9 Months Ended         |   |
|----------------------------------------------------|--------|-------------------------------------------------|---------------------------------------------|-------------------------------------------------|--------|
|                                               |   | September                  30, 2005 versus 2004 |                                        | September                  30, 2005 versus 2004 |   |
| Interest                  Income:                  |   | Increase                  (Decrease) Due to     | Increase                  (Decrease) Due to |
| Federal                  funds sold and money      |   |                                            | Rate                                        |                                            |   | Volume |   |   | Total |   |   | Rate |   |   | Volume |   |   | Total |   |
| market                  accounts                   |   | $                                               | 38                                          |                                            | $      | 17 |   | $ | 55 |   | $ | 76 |   | $ | 13 |   | $ | 89 |   |
| Investment                  securities             |   |                                            | 21                                          |                                            |   | (7 | ) |   | 14 |   |   | 65 |   |   | 65 |   |   | 130 |   |
| Loans                                              |   |                                            | 51                                          |                                            |   | 274 |   |   | 325 |   |   | 91 |   |   | 835 |   |   | 926 |   |
| Total                  interest income             |   |                                            | 110                                         |                                            |   | 284 |   |   | 394 |   |   | 232 |   |   | 913 |   |   | 1,145 |   |
|                                               |   |                                            |                                             |                                            |   |   |   |   |  |   |   |  |   |   |   |   |   |  |   |
| Interest                  Expense:                 |   |                                            |                                             |                                            |   |   |   |   |  |   |   |  |   |   |   |   |   |  |   |
| NOW                  accounts                      |   |                                            | -                                           |                                            |   | - |   |   | - |   |   | 3 |   |   | 1 |   |   | 4 |   |
| Savings                  and money market accounts |   |                                            | 26                                          |                                            |   | (4 | ) |   | 22 |   |   | 52 |   |   | 26 |   |   | 78 |   |
| Time                  deposits                     |   |                                            | 75                                          |                                            |   | 104 |   |   | 179 |   |   | 159 |   |   | 296 |   |   | 455 |   |
| Borrowed                  money                    |   |                                            | 46                                          |                                            |   | 26 |   |   | 72 |   |   | 101 |   |   | (7 | ) |   | 94 |   |
| Total                  interest expense            |   |                                            | 147                                         |                                            |   | 126 |   |   | 273 |   |   | 315 |   |   | 316 |   |   | 631 |   |
|                                               |   |                                            |                                             |                                            |   |   |   |   |  |   |   |  |   |   |   |   |   |  |   |
| Change                  in Net interest income     |   | $                                               | (37                                         | )                                               | $      | 158 |   | $ | 121 |   | $ | (83 | ) | $ | 597 |   | $ | 515 |   |

----

**Provision      for Loan Losses**

**Noninterest      Income**

**Noninterest      Expense**

----

**Income      Taxes**

**(c)**
**Off      Balance Sheet Arrangements**

**Item      3. Controls and Procedures**

**Part      II. - OTHER INFORMATION**

----

| (a)   |                          Exhibits |
|-----------------|----------------------------------------------------------------------|

| 3.1  | Certificate                  of Incorporation of First Valley Bancorp, Inc., incorporated herein                  by                  reference to Registrant's July 2005 Form 8-A                                                                                                                                             |
|------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| 3.2  | Bylaws                  of First Valley Bancorp, Inc., incorporated herein by reference                  to                  Registrant's July 2005 Form 8-A                                                                                                                                                                   |
| 4.1  | Form                  of Common Stock Certificate of First Valley Bancorp, Inc., incorporated                  herein by reference to Registrant's July 2005 Form 8-A                                                                                                                                                          |
| 10.1 | Lease                  between Valley Bank and The Carpenter Realty Co., Inc. and the                  S.                  Carpenter Construction Co. & Bristol Holding, LLC dated October 4,                  1999, incorporated herein by reference to Registrant's July 2005                  Form                  8-A |
| 10.2 | Lease                  between 888 Farmington Avenue, LLC and Bristol Travel, Inc. dba                  Global                  Travel Service dated April 6, 2004, incorporated herein by reference                  to                  Registrant's July 2005 Form 8-A                                                      |
| 10.3 | Lease                  between Valley Bank and Forpicus, LLC dated October 12, 2004, incorporated                  herein by reference to Registrant's July 2005 Form 8-A                                                                                                                                                      |
| 10.4 | Employment                  Agreement between Valley Bank and Robert L. Messier, Jr. dated                  July 1,                  2004, as amended November 1, 2004, incorporated herein by reference                  to                  Registrant's July 2005 Form 8-A                                                  |
| 10.5 | Valley                  Bank Amended and Restated 1999 Stock Option and Stock Compensation                  Plan,                  incorporated herein by reference to Registrant's July 2005 Form                  8-A                                                                                                        |
| 10.6 | Change                  of Control Agreement between Valley Bank and Mark J. Blum dated                  October 1,                  2004, incorporated herein by reference to Registrant's July 2005                  Form                  8-A                                                                               |
| 10.7 | Change                  of Control Agreement between Valley Bank and Anthony M. Mattioli                  dated                  October 1, 2004, incorporated herein by reference to Registrant's                  July                  2005 Form 8-A                                                                        |
| 10.8 | Change                  of Control Agreement between Valley Bank and Robert L. Messier,                  Jr. dated                  October 1, 2004, incorporated herein by reference to Registrant's                  July                  2005 Form 8-A                                                                     |
| 31.1 | Chief                  Executive Officer Certification pursuant to 17 CFR 240.13a-14 as                  adopted                  pursuant to Section 302 of the Sarbanes-Oxley Act of                  2002.                                                                                                                  |
| 31.2 | Chief                  Financial Officer Certification pursuant to 17 CFR 240.13a-14 as                  adopted                  pursuant to Section 302 of the Sarbanes-Oxley Act of                  2002.                                                                                                                  |
| 32.1 | Chief                  Executive Officer Certification pursuant to 18 U.S.C. Section 1350,                  as                  adopted pursuant to Section 906 of the Sarbanes-Oxley Act of                  2002.                                                                                                            |
| 32.2 | Chief                  Financial Officer Certification pursuant to 18 U.S.C. Section 1350,                  as                  adopted pursuant to Section 906 of the Sarbanes-Oxley Act of                  2002.                                                                                                            |

----

**SIGNATURES**

|                                         | FIRST                VALLEY BANCORP, INC.          |
|----------------------------------------------|----------------------------------------------------|
|                                         | (Registrant)                                       |
|                                         |                                               |
|                                         |                                               |
|                                         |                                               |
| Date:                 November 14, 2005 | /s/                Robert L. Messier, Jr.          |
|                                         | Robert                L. Messier, Jr.              |
|                                         | President                and Chief Executive       |
|                                         | Officer                                            |
|                                         |                                               |
|                                         |                                               |
|                                         |                                               |
| Date:                 November 14, 2005 | /s/                Mark J. Blum                    |
|                                         | Mark                J. Blum                        |
|                                         | Executive                Vice President, Treasurer |
|                                         | and                Chief Financial Officer         |

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