UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT

                     Pursuant to Section 13 or 15(d) of the
                         Securities Exchange Act of 1934


               Date of Report (Date of earliest event reported):


                                January 23, 2008


                             CENTRAL JERSEY BANCORP
--------------------------------------------------------------------------------
               (Exact name of registrant as specified in charter)



          New Jersey                      0-49925               22-3757709
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(State or other jurisdiction of         (Commission            (IRS Employer
        incorporation)                  File Number)         Identification No.)


627 Second Avenue, Long Branch, New Jersey                         07740
--------------------------------------------------------------------------------
(Address of principal executive offices)                         (Zip Code)

       Registrant's telephone number, including area code: (732) 571-1300


    ------------------------------------------------------------------------
          (Former name or former address, if changed since last report)


Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

[_]   Written communications pursuant to Rule 425 under the Securities Act (17
      CFR 230.425)

[_]   Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
      240.14a-12)

[_]   Pre-commencement communications pursuant to Rule 14d-2 (b) under the
      Exchange Act (17 CFR 240.14d-2(b))

[_]   Pre-commencement communications pursuant to Rule 13e-4 (c) under the
      Exchange Act (17 CFR 240.13e-4 (c))

<PAGE>


Section 2 - Financial Information

Item 2.02.  Results of Operations and Financial Condition.
---------   ---------------------------------------------

         On January 23, 2008, Central Jersey Bancorp ("Bancorp"), the parent
company of Central Jersey Bank, N.A., issued a press release announcing its
consolidated financial results for the three months and year ended December 31,
2007. A copy of the press release is furnished as Exhibit 99.1 to this current
report on Form 8-K.

         The information contained under Item 2.02 of this current report on
Form 8-K, including the portions of Exhibit 99.1 attached hereto which relate to
Bancorp's consolidated financial results, is being furnished in accordance with
this Item 2.02, but shall not be deemed "filed" for purposes of Section 18 of
the Securities Exchange Act of 1934, as amended, or otherwise subject to the
liabilities of Section 18. Furthermore, the information contained under Item
2.02 of this current report on Form 8-K shall not be deemed to be incorporated
by reference into any document filed under the Securities Act of 1933, as
amended, or the Securities Exchange Act of 1934, as amended, except as shall be
expressly set forth by specific reference in such filing.

Forward-Looking Statements
--------------------------

         Statements contained in this current report on Form 8-K, including
Exhibit 99.1, that are not historical fact are forward-looking statements, as
that term is defined in the Private Securities Litigation Reform Act of 1995.
Such statements may be characterized as management's intentions, hopes, beliefs,
expectations or predictions of the future. It is important to note that such
forward-looking statements are subject to risks and uncertainties that could
cause actual results to differ materially from those projected in such
forward-looking statements. Factors that could cause future results to vary
materially from current expectations include, but are not limited to, changes in
interest rates, economic conditions, deposit and loan growth, real estate
values, loan loss provisions, competition, customer retention, changes in
accounting principles, policies or guidelines and legislative and regulatory
changes.

Section 9 - Financial Statements and Exhibits

Item 9.01.  Financial Statements and Exhibits.
---------   ---------------------------------

            (d)     Exhibits:

            Exhibit
            Number        Description
            ------        -----------

            99.1          Press Release Re: Central Jersey Bancorp Reports an
                          18% Increase in 4th Quarter 2007 Net Income.


<PAGE>


                                   SIGNATURES

         Pursuant to the requirements of the Securities Exchange Act of 1934, as
amended, the registrant has duly caused this report to be signed on its behalf
by the undersigned hereunto duly authorized.


                                               CENTRAL JERSEY BANCORP
                                      -----------------------------------------
                                                    (Registrant)



                                      By:  /s/ James S. Vaccaro
                                          -------------------------------------
                                          James S. Vaccaro
                                          President and Chief Executive Officer


Date:  January 25, 2008



<PAGE>


                                  EXHIBIT INDEX


Exhibit
Number                     Description
------                     -----------

99.1              Press Release Re: Central Jersey Bancorp Reports an 18%
                  Increase in 4th Quarter 2007 Net Income.