================================================================================

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

                          -----------------------------

                                    FORM 11-K

[X]   ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF
      1934.

      For the fiscal year ended December 31, 2006.

                                       OR

[_]   TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT
      OF 1934.

      For the transition period from ____ to ____.


                         Commission file number 0-49925

                          -----------------------------


            A. Full title of the plan and the address of the plan, if
                 different from that of the issuer named below:

                            Central Jersey Bank, N.A.
               Employees' Savings & Profit Sharing Plan and Trust

                          -----------------------------


              B. Name of issuer of the securities held pursuant to
           the plan and the address of its principal executive office:

                             Central Jersey Bancorp
                                627 Second Avenue
                          Long Branch, New Jersey 07740

================================================================================

<page>

                          INDEX TO FINANCIAL STATEMENTS

                  CENTRAL JERSEY BANK, N.A. EMPLOYEES' SAVINGS
                         & PROFIT SHARING PLAN AND TRUST

                              Financial Statements

                           December 31, 2006 and 2005
<table>
<caption>

----------------------------------------------------------------------------------------

                                                                                    Page
                                                                                    ----

                                                                                <c>

REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM...............................1

FINANCIAL STATEMENTS

         Statements of Net Assets Available for Plan Benefits
                  December 31, 2006 and 2005..........................................2

         Statements of Changes in Net Assets Available for Plan Benefits
                  Years Ended December 31, 2006 and 2005..............................3

         Notes to Financial Statements................................................4

SUPPLEMENTAL SCHEDULE

         Schedule H, Line 4i - Schedule of Assets (Held at End of Year)......Schedule 1

</table>

<page>

             Report of Independent Registered Public Accounting Firm



The Board of Directors

Central Jersey Bancorp:


We have audited the  accompanying  statements  of net assets  available for plan
benefits of Central Jersey Bank, N.A.  Employees'  Savings & Profit Sharing Plan
and Trust (the  "Plan")  (formerly  known as The  Monmouth  Community  Bank,  NA
Employees'  Savings & Profit Sharing Plan) as of December 31, 2006 and 2005, and
the related  statements of changes in net assets available for plan benefits for
the years then ended.  These financial  statements are the responsibility of the
Plan's  management.  Our  responsibility  is to  express  an  opinion  on  these
financial statements based on our audits.

We conducted our audits in accordance  with the standards of the Public  Company
Accounting Oversight Board (United States). Those standards require that we plan
and perform the audit to obtain reasonable assurance about whether the financial
statements are free of material misstatement.  An audit includes examining, on a
test basis,  evidence  supporting  the amounts and  disclosures in the financial
statements.  An audit also includes assessing the accounting principles used and
significant  estimates  made by  management,  as well as evaluating  the overall
financial  statement  presentation.   We  believe  that  our  audits  provide  a
reasonable basis for our opinion.

In our opinion,  the financial  statements  referred to above present fairly, in
all material respects, the net assets available for plan benefits of the Central
Jersey  Bank,  N.A.  Employees'  Savings & Profit  Sharing  Plan and Trust as of
December  31, 2006 and 2005,  and the changes in net assets  available  for plan
benefits for the years then ended,  in conformity with U.S.  generally  accepted
accounting principles.

Our audits  were  performed  for the  purpose of forming an opinion on the basic
financial  statements taken as a whole.  The  supplemental  Schedule H, Line 4i-
Schedule of Assets (Held at End of Year) as of December  31, 2006,  is presented
for additional  analysis and is not a required part of the 2006 basic  financial
statements,  but is  supplementary  information  required by the  Department  of
Labor's Rules and  Regulations  for Reporting and Disclosure  under the Employee
Retirement  Income  Security  Act of  1974.  The  supplemental  schedule  is the
responsibility  of the Plan's  management.  The  supplemental  schedule has been
subjected  to the  auditing  procedures  applied  in the audit of the 2006 basic
financial  statements  and, in our  opinion,  is fairly  stated in all  material
respects in relation to the 2006 basic financial statements taken as a whole.




/s/ KPMG LLP
Short Hills, New Jersey

June 29, 2007


                                       1
<page>

                            CENTRAL JERSEY BANK, N.A.
                EMPLOYEE SAVINGS & PROFIT SHARING PLAN AND TRUST
              Statements of Net Assets Available for Plan Benefits
                           December 31, 2006 and 2005

<table>
<caption>

                                                                                2006         2005
                                                                             ----------   ----------

                                                                          <c>          <c>
Investments:
      Investments, at fair value                                             $1,491,010   $1,202,542
      Investments in Central Jersey Bank, N.A. common stock, at fair value      731,346      908,291
                                                                             ----------   ----------

              Total investments                                               2,222,356    2,110,833
                                                                             ----------   ----------

Receivables:
      Employer receivables                                                       13,930       14,546
      Participant loans receivable                                               43,014       28,450
      Accrued income                                                                231          185
                                                                             ----------   ----------
                                                                                 57,175       43,181
Payables:
      Accrued expenses                                                          (14,229)     (14,927)

                                                                             ----------   ----------
              Net assets available for benefits                              $2,265,302   $2,139,087
                                                                             ==========   ==========
</table>

See accompanying notes to financial statements.


                                       2
<page>

                            CENTRAL JERSEY BANK, N.A.
                EMPLOYEE SAVINGS & PROFIT SHARING PLAN AND TRUST
         Statements of Changes in Net Assets Available for Plan Benefits
                     Years ended December 31, 2006 and 2005
<table>
<caption>
                                                                 2006           2005
                                                             -----------    -----------

                                                          <c>            <c>
Contributions:
       Employer contributions                                $   207,213    $   112,929
       Employee contributions                                    265,455        189,525
       Rollovers                                                  19,949        103,159
       Transfers from predecessor plan                                --      1,064,100
                                                             -----------    -----------
               Total contributions                               492,617      1,469,713
Investment (loss) income:
       Interest income                                            10,827          4,951
       Net realized (losses) gains on sales of investments       (10,532)        76,808
       Net depreciation of investments                          (184,194)       (63,541)
                                                             -----------    -----------
               Total investment (loss) income                   (183,899)        18,218

               Contributions and investment (loss) income        308,718      1,487,931
Deductions:
       Administrative expenses                                    13,979          7,213
       Payment to participants                                   168,524         10,337
                                                             -----------    -----------
               Net change in assets available for benefits       126,215      1,470,381
Net assets available for benefits, beginning of year           2,139,087        668,706
                                                             -----------    -----------
Net assets available for benefits, end of year               $ 2,265,302    $ 2,139,087
                                                             ===========    ===========
</table>

See accompanying notes to financial statements.


                                       3
<page>

                            CENTRAL JERSEY BANK, N.A.
               EMPLOYEES' SAVINGS & PROFIT SHARING PLAN AND TRUST

                          Notes to Financial Statements

                           December 31, 2006 and 2005


(1)   Plan Description

      The following  description  of the Central  Jersey Bank,  N.A.  Employees'
      Savings & Profit Sharing Plan and Trust (the Plan),  formerly known as The
      Monmouth  Community Bank, N.A.  Employees'  Savings & Profit Sharing Plan,
      provides only general  information.  Participants should refer to the Plan
      documents for a more complete  description of the Plans'  provisions.  The
      Plan is  subject  to the  provisions  of the  Employee  Retirement  Income
      Security Act of 1974 (ERISA).

      (a)   Plan Changes

            Effective August 22, 2005, Monmouth Community Bank, N.A. merged with
            Allaire Community Bank and the organization  became known as Central
            Jersey Bank, N.A. Effective September 1, 2005, the Allaire Community
            Bank 401(k) Profit  Sharing Plan merged into the Monmouth  Community
            Bank, NA  Employees'  Savings & Profit  Sharing Plan and Trust.  The
            merged plan was re-named the Central  Jersey Bank,  N.A.  Employees'
            Savings & Profit Sharing Plan and Trust.

      (b)   General

            The Plan was established  January 1, 2000 as a defined  contribution
            plan.  Generally,  employees  become  eligible to participate in the
            Plan on the first of the month  following three months of continuous
            service at Central Jersey Bank, N.A. (the Bank).

      (c)   Employee Contributions

            An eligible  employee may elect to have a percentage of compensation
            contributed  to this Plan on a pre-tax  salary  reduction  basis.  A
            participant  may  elect  to  defer  between  1%  and  75%  of  their
            compensation  under  a  Salary  Reduction  Agreement  to  the  Plan.
            Additionally,  participants  may  allocate  their  contributions  to
            fifteen  different  investment funds and to the common stock fund of
            Central Jersey Bancorp.  This contribution  amount is limited by the
            Internal  Revenue  Code (the  Code) on a pretax  basis to $15,000 in
            2006. In addition, certain eligible participants can make "catch-up"
            contributions  if the maximum  amount of regular  contributions  are
            made and the participant is age 50 or older,  thereby increasing the
            total elective deferrals to $20,000 for 2006.

      (d)   Employer Contributions

            In 2006 and 2005,  contributions  were made by the Bank in an amount
            equal  to  80%  of  the  first  5%  of  a   participant's   eligible
            contributions.  Prior to September 2005, the  contributions  made by
            the Bank were  determined  at a rate of up to 3% of a  participant's
            eligible  contributions  for the Plan year.  The Board of  Directors
            sets the Bank's matching contribution rate in its sole discretion.

      (e)   Vesting

            Participants  are always vested with respect to their  contributions
            plus actual  earnings  thereon.  Vesting  with respect to the Bank's
            matching contributions is 20% per year of service, with 100% vesting
            after 5 years.

                                       4
<page>

                            CENTRAL JERSEY BANK, N.A.
               EMPLOYEES' SAVINGS & PROFIT SHARING PLAN AND TRUST

                          Notes to Financial Statements

                           December 31, 2006 and 2005


      (f)   Participant Loans

            Participants  may borrow from the vested  portion of their  account.
            The loan  must be no less  than  $1,000  and no more  than  $50,000.
            Participants  may not borrow more than 50% of the vested  balance in
            their  accounts.  Any loan made must  generally  be repaid  within a
            period not to exceed the earlier of  termination  of  employment  or
            five  years.  The term of the loan may  exceed  five  years  for the
            purchase  of a  primary  residence,  however,  it may not  exceed 15
            years.  Loan interest  rates are  determined at the time of the loan
            and  remain  in  effect  for the  term of the  loan.  Principal  and
            interest are paid according to the participant amortization schedule
            through bi-weekly payroll deductions.

      (g)   Participants' Accounts

            Individual  accounts are maintained for each Plan participant.  Each
            participant's   account   is   credited   with   the   participant's
            contribution and the Bank's matching  contribution on behalf of that
            participant. Allocations of plan earnings or losses are based on the
            participant's  earnings or account balances, as defined. The benefit
            to which each  participant  is entitled  is the benefit  that can be
            provided from participant's vested account.

            Participants have the option to invest in a self directed  brokerage
            account.  Assets may be transferred  from their core account only. A
            minimum of $1,000 is required  with a maximum  investment  of 25% of
            total account balance.

      (h)   Benefit Payments/Withdrawals

            Upon retirement or termination of employment,  participants or their
            designated  beneficiary,  may,  under  certain  conditions  elect to
            receive vested benefit  distributions in a lump-sum payment equal to
            the total value of their separate  accounts or installment  payments
            upon termination of employment, disability or death.

            During employment, participants may request an in-service withdrawal
            under certain  circumstances.  Rollover  contributions  and earnings
            thereof  may  be  requested  for  distribution   according  to  plan
            provisions.  Additionally,  participants  may request an  in-service
            withdrawal of pre-tax elective  deferrals and employer  supplemental
            contributions  and the earning thereof upon attainment of age 59 1/2
            or  hardship.  In the event of  hardship,  the  distribution  cannot
            exceed the amount required to relieve the hardship. Such withdrawals
            are  subject to approval by the Plan  administrator  and  applicable
            penalties and is recorded when paid.

      (i)   Forfeitures

            Forfeitures  of  non-vested  401(k)  contributions  used  to  reduce
            employer  contributions  for the years ended  December  31, 2006 and
            2005 amounted to $1,638 and $1,670, respectively.

      (j)   Investment Valuation

            Investments   were   valued  at  fair   market   value.   Investment
            transactions were recorded on a settlement date basis. There were no
            material unsettled trades at December 31, 2006 and 2005.

                                       5
<page>

                            CENTRAL JERSEY BANK, N.A.
               EMPLOYEES' SAVINGS & PROFIT SHARING PLAN AND TRUST

                          Notes to Financial Statements

                           December 31, 2006 and 2005


      (k)   New Accounting Pronouncement

            As of December  31,  2006,  the Plan  adopted  Financial  Accounting
            Standards Board (FASB) Staff Position FSP AAG INV-1 and Statement of
            Position  No.   94-4-1,   Reporting   of  Fully   Benefit-Responsive
            Investment Contracts Held by Certain Investment Companies Subject to
            the AICPA Investment Company Guide and  Defined-Contribution  Health
            and  Welfare  and  Pension  Plans (the FSP).  The FSP  requires  the
            Statement of Net Assets  Available  for Plan Benefits to present the
            fair value of the Plan's  investments as well as the adjustment from
            fair  value  to  contract  value  for the  fully  benefit-responsive
            investment  contracts.  The  Statement  of  Changes  in  Net  Assets
            Available  for Plan  Benefits is prepared on a contract  value basis
            for the fully  benefit-responsive  investment contracts. The FSP was
            applied retroactively to the prior period presented on the Statement
            of Net Assets Available for Benefits as of December 31, 2005.

(2)   Summary of Significant Accounting Policies

      (a)   Basis of Presentation

            The  financial  statements  of the Plan  have  been  prepared  on an
            accrual basis and present the net assets  available for benefits and
            the changes in those net assets.

      (b)   Funds and Accounts Managed by State Street Global Advisors

            Under the terms of a trust  agreement  between  State Street  Global
            Advisors (the "Custodian") and the Bank, the Custodian managed funds
            on behalf of the Plan.  The  Custodian  held the  Plan's  investment
            assets and executed  transactions  therein.  The  investments in the
            funds were  reported  to the Bank by the  Custodian  as having  been
            determined through the use of current values for all assets.

      (c)   Use of Estimates

            In preparing plan financial  statements,  estimates and  assumptions
            have been made relating to the  reporting of assets and  liabilities
            and changes  therein,  and the  disclosure of contingent  assets and
            liabilities  to prepare  these  financials  statements in conformity
            with U.S. generally accepted accounting  principles.  Actual results
            could differ from those estimates.

      (d)   Concentration of Risk

            The assets of the Plan are primarily  financial  instruments,  which
            are  monetary  in nature.  As a result,  interest  rates have a more
            significant  impact on the Plan's performance than do the effects of
            general levels of inflation.  Interest rates do not necessarily move
            in the same  direction  or in the same  magnitude  as the  prices of
            goods  and  services  as  measured  by  the  consumer  price  index.
            Investment securities, in general, are exposed to various risks such
            as interest rate, credit, and overall market volatility.  Due to the
            level of risk associated with certain investment  securities,  it is
            reasonably  possible  that  changes  in  values  of  the  investment
            securities  will occur in the near term and that such changes  could
            materially affect the amounts reported in the financial statements.

                                       6
<page>

                            CENTRAL JERSEY BANK, N.A.
               EMPLOYEES' SAVINGS & PROFIT SHARING PLAN AND TRUST

                          Notes to Financial Statements

                           December 31, 2006 and 2005


      (e)   Investment Valuation

            Investments  in mutual  funds are  managed  by State  Street  Global
            Advisors and held by the Bank of New York. Additionally, investments
            are made to the Central  Jersey  Bancorp common stock fund which are
            valued and recorded at market value as  determined  by quoted market
            prices,  which  represent  the net asset value of the shares held by
            the  Plan at the  end of the  year.  The  Plan is  valued  at  least
            quarterly   and   participants'   accounts  are   credited   with  a
            proportional share of investment income.  Additionally,  investments
            are priced daily.  Loans receivable from  participants are valued at
            their outstanding balance, which approximates fair value.

            Investment contracts are presented at fair value on the statement of
            net  assets  available  for  plan  benefits.  Investments  in  fully
            benefit-responsive investment contracts are stated at contract value
            which is equal to principal balance plus accrued interest.  Contract
            value approximates fair value. As provided in the FSP, an investment
            contract is  generally  valued at contract  value,  rather than fair
            value, to the extent it is fully benefit-responsive.  The fair value
            of fully benefit-responsive investment contracts is calculated using
            a  discounted  cash flow model  which  considers  recent fee bids as
            determined by recognized dealers,  discount rate and the duration of
            the underlying portfolio securities.

      (f)   Income Recognition

            Interest income is recorded as earned on the accrual basis. Dividend
            income  is  recorded  on the  ex-dividend  date.  Participant  loans
            receivable are valued at cost which approximates fair value.

(3)   Plan Expenses

      Certain costs of  administrative  services  rendered on behalf of the Plan
      were paid by the Bank.

(4)   Plan Termination

      Although it has not  expressed  any  intention  to do so, the Bank has the
      right under the Plan to discontinue its  contributions  at any time and to
      terminate the Plan subject to the provisions of ERISA. In the event of the
      termination  of the Plan,  no further  allocations  shall be made,  and no
      eligible   employee   shall  become  a  participant   after  the  date  of
      termination.

(5)   Federal Tax Status

      The Internal  Revenue  Service issued its latest  determination  letter on
      March 7, 2002 to the Plan,  which states that the Plan and its  underlying
      trust qualify under the applicable provisions of the Internal Revenue Code
      (IRC) and,  therefore,  are exempt from federal income taxes. The Plan has
      been amended since receiving the  determination  letter.  However,  in the
      opinion of the Plan Administrator and the Plan's tax counsel, the Plan and
      its underlying trust have operated within the terms of the Plan and remain
      qualified under applicable provisions of the IRC.

(6)   Investments

      The values of  individual  investments  that  represent  5% or more of the
      total Plan's assets at December 31, 2006 and 2005 are as follows:

                                       7
<page>

                            CENTRAL JERSEY BANK, N.A.
               EMPLOYEES' SAVINGS & PROFIT SHARING PLAN AND TRUST

                          Notes to Financial Statements

                           December 31, 2006 and 2005
<table>
<caption>

                                                                     2006         2005
                                                                   ---------    ---------

                                                                  <c>          <c>
      Central Jersey Bancorp, investment in common stock           $ 731,346    $ 908,291
      State Street Bank and Trust Company S&P 500 Flagship
      Securities Lending Fund                                        208,840       88,142
      State Street Bank and Trust Company Moderate Strategic
      Balanced                                                       190,896      146,486
      State Street Bank and Trust Company Conservative Strategic
      Balanced Securities Lending Fund                               190,820      153,410
      Pentegra Stable Value Fund                                     173,939      123,537
      State Street Bank and Trust Company Government Money
      Market Account                                                 140,557      125,567
      State Street Bank and Trust Company Passive Long Treasury
      Fund                                                           127,794      115,279

<caption>

      For  the  years  ended   December  31,  2006  and  2005,  the  Plan's  net
      appreciation/(depreciation) of investments is as follows:

                                                                      2006         2005
                                                                   ---------    ---------

                                                                  <c>          <c>
      Commingled Funds                                             $ 102,624    $ (27,359)
      Investment in Central Jersey Bancorp, common stock            (286,818)     (36,182)
                                                                   ---------    ---------
              Net depreciation of investments                      $(184,194)   $ (63,541)
                                                                   =========    =========
</table>

(7)   Related Parties

      The Bank of New York is the trustee,  as defined by the Plan. As a result,
      these transactions qualify as party-in-interest transactions. Fees for the
      investment management services are paid by the Plan Sponsor.

(8)   Reconciliation of Financial Statements to Form 5500

      The following is a reconciliation  of the employee  contributions  per the
      financial statements for the years ended December 31, 2006 and 2005 to the
      Form 5500:

                                                              2006       2005
                                                            --------   --------
      Employee Contributions per the Financial Statements   $265,455   $189,525
      Corrective Distributions                                 8,152     13,711
                                                            --------   --------
      Total Employee Contributions per the Form 5500        $273,607   $203,236
                                                            ========   ========

                                       8
<page>

                            CENTRAL JERSEY BANK, N.A.
               EMPLOYEES' SAVINGS & PROFIT SHARING PLAN AND TRUST

                          Notes to Financial Statements

                           December 31, 2006 and 2005


(9)   Subsequent Event

      Effective  January 1, 2007,  the Plan  adopted a Safe Harbor  Amendment in
      which the Bank shall make a safe harbor basic matching contribution to the
      Plan  on  behalf  of  each  participant  in  the  amount  of  100%  of the
      participant's  401(k)  deferrals  that do not  exceed  3%  percent  of the
      participant's salary plus 50% of the participants deferrals that exceed 3%
      of the  participants  salary but that do not exceed 5% of the participants
      salary.

      With the  adoption  of the Safe  Harbor  Amendment,  the Plan  amended the
      vesting  schedule  to  reflect  100%  vesting  for all  plan  participants
      effective January 1, 2007.




                                       9
<page>
<table>
<caption>

                                                                                                     SCHEDULE 1

                                           CENTRAL JERSEY BANK, N.A.
                                EMPLOYEE SAVINGS & PROFIT SHARING PLAN AND TRUST
                         Schedule H, Line 4i - Schedule of Assets (Held at End of Year)
                                               December 31, 2006

                                                                                                     Current
        Identity of Issuer                       Description of Investment              Cost          value
------------------------------------    ----------------------------------------    -----------    -----------

                                     <c>                                            <c>             <c>

Pentegra Services, Inc.*                Penetgra Stable Value Fund                    $166,526     $   173,939
State Street Bank and Trust Company*    Moderate Strategic Balanced                    169,419         190,896
State Street Bank and Trust Company*    Conservative Strategic Balanced
                                        Securities Lending Fund                        175,606         190,820
State Street Bank and Trust Company*    Aggressive Strategic Balanced Securities
                                        Lending Fund                                    11,011          12,598
State Street Bank and Trust Company*    Russell 2000 Index Securities Lending
                                        Series Fund                                     44,040          51,904
State Street Bank and Trust Company*    S&P 500 Flagship Securities Lending
                                        Series Fund                                    181,848         208,840
State Street Bank and Trust Company*    S&P Growth Index Securities Lending
                                        Fund                                            35,337          38,861
State Street Bank and Trust Company*    S&P Midcap Index Securities Lending
                                        Series Fund                                     76,032          84,934
State Street Bank and Trust Company*    NASDAQ 100 Index Non-Lending Series
                                        Fund                                            32,716          35,281
State Street Bank and Trust Company*    REIT Index Non-Lending Securities
                                        Fund                                            21,962          24,764
State Street Bank and Trust Company*    S&P Value Index Securities Lending
                                        Fund                                            84,579         100,663
State Street Bank and Trust Company*    Daily EAFE Index Securities Lending
                                        Series Fund                                     32,259          37,532
State Street Bank and Trust Company*    Schwab Window                                   17,341          17,341
State Street Bank and Trust Company*    Collective Short Term Investment Fund           54,286          54,286
State Street Bank and Trust Company*    Government Money Market Account                140,557         140,557
State Street Bank and Trust Company*    Passive Long Treasury Fund                     127,794         127,794
                                                                                                   -----------
                                        Total mutual funds                                           1,491,010

                                        *Central Jersey Bancorp, investment in
                                          common stock                                                 731,346

                                        *Participant loans receivable (a)                               43,014
                                                                                                   -----------

                                        Total other investments                                        774,360

                                        Total investments                                          $ 3,756,380
                                                                                                   ===========
</table>

*   A party-in-interest as defined by ERISA
(a) As of December 31, 2006, the interest rates on these loans ranged from 5.00%
to 9.25%

See accompanying report of independent registered public accounting firm.

                                                      10
<page>

                                   SIGNATURES

The Plan.  Pursuant to the  requirements  of the  Securities and Exchange Act of
1934, the trustees (or other person who administers  the employee  benefit plan)
has duly caused this annual report to be signed on its behalf by the undersigned
hereunto duly authorized.



                                                 CENTRAL JERSEY BANK, N.A.
                                                 EMPLOYEES' SAVINGS & PROFIT
                                                 SHARING PLAN AND TRUST



Date:  June 29, 2007                             By:   /s/ Gail M. Corrigan
                                                    ----------------------------
                                                      Gail M. Corrigan
                                                      Plan Administrator




                                       11
<page>


                                  EXHIBIT INDEX



        Exhibit Number           Description
        --------------           -----------
             23.1                Consent of KPMG LLP.