<PAGE>


                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549
                                    FORM 10-Q

(Mark One)
(X)      Quarterly report pursuant to Section 13 or 15(d) of the Securities
         Exchange Act of 1934 for the quarterly period ended June 30, 2001

( )      Transition report pursuant to Section 13 or 15(d) of the Securities
         Exchange Act of 1934 for the transition period from ______ to _______.


         Commission file number:  1-12165

                               Bridge View Bancorp
             (Exact name of registrant as specified in its charter)

         New Jersey                                          22-3461336
         ----------                                          ----------
         (State or other jurisdiction of                     (I.R.S. Employer
         incorporation or organization)                      Identification)


             457 Sylvan Avenue, Englewood Cliffs, NJ       07632
           (Address of principal executive offices)      (Zip Code)

                                  201-871-7800
              (Registrant's telephone number, including area code)

Securities registered pursuant to Section 12(b) of the Exchange Act:

       Title of each class:           Name of each exchange on which registered:
       Common Stock, No Par Value     American Stock Exchange

Securities registered pursuant to Section 12(g) of the Exchange Act:  None

Indicate by check mark whether the Issuer: (1) has filed all reports required to
be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934, as
amended, during the preceding 12 months (or for such shorter period that the
registrant was required to file such reports); and (2) has been subject to such
filing requirements for the past 90 days.    YES (X)   NO___

                        APPLICABLE TO CORPORATE ISSUERS:

Indicate the number of shares outstanding of the Registrant's classes of common
stock, as of the last practicable date.

              3,226,145 shares of Common Stock as of July 31, 2001


                                        1
<PAGE>



                                      INDEX

                               BRIDGE VIEW BANCORP




Part I - Financial Information


Item 1.  Financial Statement

         Consolidated Statements of Financial Condition
         as of June 30, 2001(unaudited) and December 31, 2000

         Consolidated Statements of Income
         for the three months ended June 30, 2001 and 2000 (unaudited) and the
         six months ended June 30, 2001 and 2000 (unaudited)

         Consolidated Statements of Cash Flows
         for the six months ended June 30, 2001 and 2000  (unaudited)

         Notes to Unaudited Consolidated Financial Statements


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


Explanatory Note: This Form 10-Q contains certain "forward looking statements"
within the meaning of the Private Securities Litigation Reform Act of 1995 which
involve risks and uncertainties. Such statements are not historical facts and
include expressions about management's confidence, strategies, and expectations
about new and existing programs, products, relationships, opportunities,
technology, and market conditions. These statements may be identified by the use
of such words as "believe," "expect," "anticipate," "should," "may,"
"potential," or similar statements or variations of such terms. Examples of
forward looking statements include but are not limited to, estimates with
respect to the financial condition, results of operations, and business of
Bridge View Bancorp, that are subject to various factors which could cause
actual results to differ materially from these estimates. These factors include:
changes in general, economic and market conditions, legislative and regulatory
conditions, or the development of an interest rate environment which adversely
affects Bridge View Bancorp's interest rate margin or other income anticipated
from operations and investments. As used in this Form 10-Q "we" and "us" and "
our" refer to Bridge View Bancorp and its consolidated subsidiary Bridge View
Bank, depending on the context.



                                       2
<PAGE>

                               BRIDGE VIEW BANCORP
                 CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION
                                 (in thousands)

<TABLE>
<CAPTION>
                                                                         June 30,          December 31,
                                                                           2001               2000
                                                                     ---------------     ---------------
                                                                       (unaudited)
<S>                                                                  <C>                 <C>
ASSETS
Cash and cash equivalents:
     Cash and due from banks ...............................         $        13,492     $        21,061
     Federal funds sold ....................................                  25,820              20,500
                                                                     ---------------     ---------------
TOTAL CASH AND CASH EQUIVALENTS ............................                  39,312              41,561
                                                                     ---------------     ---------------
Securities:
     Available for sale ....................................                  29,960              20,928
     Held to maturity ......................................                  23,282              34,741
                                                                     ---------------     ---------------
TOTAL SECURITIES ...........................................                  53,242              55,669
                                                                     ---------------     ---------------
Loans, net of allowance for losses of $1,486 and $1,473,
and deferred loan fees of $441 and $397, respectively ......                 133,730             131,385
Premises and equipment, net ................................                   3,584               3,768
Accrued interest receivable and other assets ...............                   2,326               2,544
                                                                     ---------------     ---------------
TOTAL ASSETS ...............................................         $       232,194     $       234,927
                                                                     ===============     ===============

LIABILITIES AND STOCKHOLDERS' EQUITY
Deposits:
     Non-interest bearing demand deposits ..................         $        66,989     $        79,798
     Interest bearing deposits:
          Savings and time deposits ........................                 108,402              96,342
          Certificates of deposit $100,000 + ...............                  29,148              32,225
                                                                     ---------------     ---------------
TOTAL DEPOSITS .............................................                 204,539             208,365
Accrued interest payable and other liabilities .............                     832               1,299
Short term borrowings ......................................                   2,000               2,000
                                                                     ---------------     ---------------
TOTAL LIABILITIES ..........................................                 207,371             211,664
Commitments and Contingencies
Stockholders' equity:
     Common stock, no par value, authorized 10,000,000
     shares issued and outstanding 3,226,145 in 2001
     and 3,214,179 in 2000 .................................                  25,277              21,266
     Accumulated deficit(retained earnings) ................                    (428)              2,079
     Accumulated other comprehensive loss ..................                     (26)                (82)
                                                                     ---------------     ---------------

TOTAL STOCKHOLDERS' EQUITY .................................                  24,823              23,263

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY                           $       232,194     $       234,927
                                                                     ===============     ===============
</TABLE>

            See notes to unaudited consolidated financial statements.


                                       3
<PAGE>

                               BRIDGE VIEW BANCORP
                        CONSOLIDATED STATEMENTS OF INCOME
                            (unaudited, in thousands)

<TABLE>
<CAPTION>
                                                          Three months ended                     Six months ended
                                                               June 30,                               June 30,
                                                      2001                2000                2001                2000
                                                      ----                ----                ----                ----

<S>                                              <C>                 <C>                 <C>                 <C>
Interest Income:
   Loans, including fees ....................    $         2,770     $         2,730     $         5,618     $         5,265
   Federal funds sold .......................                363                  66                 692                  88
   Investment Securities
      Taxable ...............................                553                 835               1,109               1,719
      Tax - exempt ..........................                 64                 104                 184                 213
                                                 ---------------     ---------------     ---------------     ---------------
TOTAL INTEREST INCOME .......................              3,750               3,735               7,603               7,285

Interest Expense:
   Savings deposits .........................                229                 220                 554                 408
   Other time deposits ......................                287                 345                 644                 686
   Time deposits $100,000 + .................                336                 376                 756                 827
   Borrowed funds ...........................                 20                   2                  48                  11
                                                 ---------------     ---------------     ---------------     ---------------
TOTAL INTEREST EXPENSE ......................                872                 943               2,002               1,932

               Net Interest Income ..........              2,878               2,792               5,601               5,353

Provision for loan losses ...................                 30                  40                  40                  90

Net interest income after provision for loan
losses ......................................              2,848               2,752               5,561               5,263

Non-interest income:
   Service charge income ....................                448                 401                 862                 727
                                                 ---------------     ---------------     ---------------     ---------------
TOTAL NON-INTEREST INCOME ...................                448                 401                 862                 727

Non-interest expense:
   Salaries and related expenses ............                826                 837               1,641               1,598
   Premises and fixed assets ................                327                 307                 658                 617
   Other ....................................                468                 443                 942                 850
                                                 ---------------     ---------------     ---------------     ---------------
TOTAL NON-INTEREST EXPENSE ..................              1,621               1,587               3,241               3,065

Income before income taxes ..................              1,675               1,566               3,182               2,925

Income tax expense ..........................                587                 560               1,114               1,053
                                                 ---------------     ---------------     ---------------     ---------------

NET INCOME ..................................    $         1,088     $         1,006     $         2,068     $         1,872
                                                 ===============     ===============     ===============     ===============
Earnings per share:
     Basic ..................................    $          0.34     $          0.31     $          0.64     $          0.58
     Diluted ................................    $          0.33     $          0.31     $          0.62     $          0.57
</TABLE>

            See notes to unaudited consolidated financial statements.

                                       4
<PAGE>

                               BRIDGE VIEW BANCORP
                      CONSOLIDATED STATEMENTS OF CASH FLOWS
                            (unaudited, in thousands)

<TABLE>
<CAPTION>
                                                                          Six months ended June 30,
                                                                           2001                2000
                                                                     ---------------     ---------------

<S>                                                                  <C>                 <C>
Cash flows from operating activities:
     Net Income ............................................         $         2,068     $         1,872
     Adjustments to reconcile net income to net cash
     Provided by operating activities:
        Depreciation and amortization ......................                     195                 234
        Provision for loan losses ..........................                      40                  90
        Gains from sales of loans held for sale ............                      23                  10
        Decrease(increase) in accrued interest receivable
        and other assets ...................................                     218                 (81)
        Decrease in accrued interest payable and
         other liabilities .................................                    (467)                (27)
                                                                     ---------------     ---------------
Net Cash Provided by Operating Activities ..................                   2,077               2,098

Cash flows from investing activities:
     Proceeds from maturities of investment securities .....                  34,495              20,499
     Purchases of investment securities ....................                 (32,647)            (13,373)
     Net increase in loans .................................                  (2,345)             (6,080)
     Net decrease (increase)  in premises and equipment ....                     269                 (51)
                                                                     ---------------     ---------------
     Net Cash (Used in)Provided by Investing Activities ....                    (228)                995

Cash flows from financing activities:
     Net (decrease)increase in deposits ....................                  (3,826)              7,771
     Proceeds from issuance of common stock ................                      51                   3
     Cash paid for dividends ...............................                    (323)               (285)
                                                                     ---------------     ---------------
Net Cash (Used In) Provided by Financing Activities .........                 (4,098)              7,489

Net change in cash and cash equivalents ....................                  (2,249)             10,582
Cash and cash equivalents at beginning of period ...........                  41,561              11,270
                                                                     ---------------     ---------------
Cash and cash equivalents at end of period .................         $        39,312     $        21,852
                                                                     ===============     ===============

Cash paid during the period for:
     Interest ..............................................                   2,087               1,962
     Income taxes ..........................................                   2,046                 899
</TABLE>


            See notes to unaudited consolidated financial statements.

                                       5
<PAGE>


                      BRIDGE VIEW BANCORP AND SUBSIDIARIES

              Notes to Unaudited Consolidated Financial Statements


 (1)   Summary of Significant Accounting Policies

       The accompanying consolidated financial statements include the accounts
       of Bridge View Bancorp (the Company) and its direct and indirect
       wholly-owned subsidiaries, Bridge View Bank, Bridge View Investment
       Company, and Bridge View Delaware, Inc. (the Bank). All significant
       inter-company accounts and transactions have been eliminated in
       consolidation. Certain accounts in prior periods have been restated to
       conform to the current presentation.

       The consolidated condensed financial statements included herein have been
       prepared without audit pursuant to the rules and regulations of the
       Securities and Exchange Commission. Certain information and footnote
       disclosures normally included in financial statements prepared in
       accordance with generally accepted accounting principles have been
       condensed or omitted pursuant to such rules and regulations. The
       accompanying consolidated financial statements reflect all adjustments
       which are, in the opinion of management, necessary to a fair statement of
       the results for the interim periods presented. Such adjustments are of a
       normal recurring nature. These consolidated unaudited financial
       statements should be read in conjunction with the audited financial
       statements and the notes thereto as of and for the year ended December
       31, 2000. The results for the six months ended June 30, 2001 are not
       necessarily indicative of the results that may be expected for the year
       ended December 31, 2001.

       Organization

       The Company is a New Jersey Corporation and registered bank holding
       company with the Board of Governors of the Federal Reserve System. The
       Bank is a commercial bank which provides a full range of banking
       servicies to individuals and corporate customers in New Jersey. Both the
       Company and the Bank are subject to competition from other financial
       institutions. The Bank is regulated by state and federal agencies and is
       subject to periodic examinations by those regulatory authorities.

       Basis of Financial Presentation

       The consolidated financial statements have been prepared in conformity
       with accounting principles generally accepted in the United States of
       America. In preparing the consolidated financial statements, management
       is required to make estimates and assumptions that affect the reported
       amounts of assets and liabilities as of the date of the consolidated
       statement of financial condition and revenues and expenses for the year.
       Actual results could differ significantly from those estimates. Certain
       prior period amounts have been reclassified to conform to the financial
       statements presentation of 2001. The reclassifications have no effect
       upon stockholders' equity or net income as previously reported.


                                       6
<PAGE>


       Material estimates that are particularly susceptible to significant
       change in the near term relate to the determination of the allowance for
       loan losses. In connection with the determination of the allowance for
       loan losses, management generally obtains independent appraisals for
       significant properties.

       Securities Available for Sale

       Management determines the appropriate classification of securities at the
       time of purchase. If management has the intent and the Bank has the
       ability at the time of purchase to hold securities until maturity, they
       are classified as investment securities. Securities to be held for
       indefinite periods of time and not intended to be held to maturity are
       classified as securities available for sale. Gains or losses on sales of
       securities available for sale are based upon the specific identification
       method. Securities available for sale are reported at fair value with
       changes in the carrying value from period to period included as a
       separate component of stockholders' equity.

       Securities Held to Maturity

       Investment securities are carried at the principal amount outstanding,
       adjusted for amortization of premiums and accretion of discounts using a
       method that approximates the level-yield method over the terms of the
       securities. Investment securities are carried at the principal amount
       outstanding because the Bank has the ability and it is management's
       intention to hold these securities to maturity.


(2)    Retained Earnings  -  Stock Dividend

       The Company declared a 10% Stock Dividend (the "2001 Stock Dividend") on
       March 1, 2001 and paid the dividend on April 2, 2001. Retained earnings
       decreased by the market value of shares issued in connection with the
       2001 Stock Dividend. Earnings per share and all share data has been
       restated to reflect the effect of the 2001 stock dividend.


                                       7
<PAGE>


 (3)   Earnings Per Share Reconciliation

       The reconciliation of the numerator and the denominator of Basic EPS with
       that of Diluted EPS is presented for the three month periods and the six
       month periods ended June 30, 2001 and 2000, respectively.(in thousands,
       except share data)


<TABLE>
<CAPTION>
                                                         Three months ended                       Six months ended
                                                               June 30,                               June 30,
                                                      2001                 2000               2001                 2000
                                                      ----                 ----               ----                 ----

<S>                                              <C>                 <C>                 <C>                 <C>
Basic earnings per share

     Net Income                                  $         1,088     $         1,006     $         2,068     $         1,872
                                                 ===============     ===============     ===============     ===============

Average number of shares outstanding                       3,226               3,213               3,224               3,213
                                                 ===============     ===============     ===============     ===============

Basic earnings per share                         $          0.34     $          0.31     $          0.64     $          0.58
                                                 ===============     ===============     ===============     ===============


Diluted earnings per share

     Net Income                                  $         1,088     $         1,006     $         2,068     $         1,872
                                                 ===============     ===============     ===============     ===============

Average number of shares of common stock
and equivalents outstanding:
     Average common shares outstanding                     3,226               3,213               3,224               3,213

     Additional shares considered in
     Diluted computation assuming:
        Exercise of options                                   92                  86                  93                  88
                                                 ---------------     ---------------     ---------------     ---------------

Average number of shares outstanding on a
diluted basis                                              3,318               3,299               3,317               3,301
                                                 ===============     ===============     ===============     ===============

Diluted earnings per share                       $          0.33     $          0.31     $          0.62     $          0.57
                                                 ===============     ===============     ===============     ===============
</TABLE>


                                       8
<PAGE>


(4)     Comprehensive Income

       Total comprehensive income is presented for the three month periods and
       the six months periods ended June 30, 2001 and 2000, respectively.



<TABLE>
<CAPTION>
                                                                          Three months ended June 30,
          (in thousands)                                                   2001                2000
                                                                           ----                ----
<S>                                                                  <C>                 <C>
 Comprehensive Income
 Net income                                                          $         1,088     $         1,006
 Other comprehensive income,
    net of taxes                                                                  23                   3
                                                                     ---------------     ---------------
 Total comprehensive income                                          $         1,111     $         1,009
                                                                     ===============     ===============
</TABLE>

<TABLE>
<CAPTION>
                                                                           Six months ended June 30,
          (in thousands)                                                   2001                2000
                                                                           ----                ----
<S>                                                                  <C>                 <C>
 Comprehensive Income
 Net income                                                          $         2,068     $         1,872
 Other comprehensive income,
    net of taxes                                                                  56                  66
                                                                     ---------------     ---------------
 Total comprehensive income                                          $         2,124     $         1,938
                                                                     ===============     ===============
</TABLE>


                                       9
<PAGE>



(5)      Recent Accounting Pronouncements

SFAS No. 141 / SFAS No. 142
On July 20, 2001, the Financial Accounting Standards Board (FASB) issued
Statement No. 141, Business Combinations, and Statement No. 142, Goodwill and
Other Intangible Assets. Statement 141 requires that the purchase method of
accounting be used for all business combinations initiated after June 30, 2001
as well as all purchase method business combinations completed after June 30,
2001. Statement 141 also specifies the criteria that acquired intangible assets
must meet to be recognized and reported apart from goodwill. Statement 142 will
require that goodwill and intangible assets with indefinite useful lives no
longer will be amortized, but instead tested for impairment at least annually in
accordance with the provisions of Statement 142. Statement 142 will also require
that intangible assets with definite useful lives be amortized over their
respective estimated useful lives to their estimated residual values, and
reviewed for impairment in accordance with SFAS No. 121, Accounting for the
Impairment of Long-Lived Assets and for Long-Lived Assets to Be Disposed Of.

Statement 142 requires that goodwill and any intangible assets determined to
have an indefinite useful life that are acquired in a purchase business
combination after June 30, 2001 will not be amortized, but will continue to be
evaluated for impairment in accordance with the appropriate pre-Statement 142
requirements. Goodwill and intangible assets acquired in business combinations
completed before July 1, 2001 will continue to be amortized prior to the
adoption of Statement 142.

The Company is required to adopt the provisions of Statement 141 immediately.
The initial adoption of Statement 141 had no impact on the Company's
consolidated financial statements. The Company is required to adopt Statement
No. 142 effective January 1, 2002. The Company currently has no recorded
goodwill or intangible assets and does not anticipate that the initial adoption
of Statement 142 will have a significant impact on the Company's consolidated
financial statements.

SFAS No. 140
In September 2000, the FASB issued SFAS No. 140, "Accounting for Transfers and
Servicing of Financial Assets and Extinguishments of Liabilities (A Replacement
of FASB Statement 125)." SFAS No. 140 supersedes and replaces the guidance in
SFAS No. 125 and, accordingly, provides guidance on the following topics:
securitization transactions involving financial assets, sales of financial
assets such as receivables, loans, and securities; factoring transactions and
wash sales; servicing assets and liabilities, collateralized borrowing
arrangements, securities lending transactions; repurchase transactions; loan
participations; and extinguishment of liabilities. While most of the provisions
of SFAS No. 140 were effective for transactions entered into after March 31,
2001, companies with fiscal year ends that hold beneficial interests from
previous securitizations were required to make additional disclosures in their
December 31, 2000 financial statements. The initial adoption of SFAS No. 140 did
not have a material impact on the Company's financial statements.


                                       10
<PAGE>


         MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND
                              RESULTS OF OPERATION

The following discussion and analysis of financial condition and results of
operations should be read in conjunction with the Company's consolidated
financial statements and the notes thereto included herein. When necessary,
reclassifications have been made to prior years' data throughout the following
discussion and analysis for purposes of comparability.


RESULTS OF OPERATIONS - Three Months Ended June 30, 2001 and 2000 and
                        Six Months Ended June 30, 2001 and 2000

The Company's results of operations depend primarily on its net interest income,
which is the difference between the interest earned on its interest-earning
assets and the interest paid on funds borrowed to support those assets,
primarily deposits. Net interest margin is the difference between the weighted
average rate received on interest-earning assets and the weighted average rate
paid on interest-bearing liabilities, as well as the average level of
interest-earning assets as compared with that of interest-bearing liabilities.
Net income is also affected by the amount of non-interest income and other
operating expenses.

NET INCOME
For the three months ended June 30, 2001, net income increased by $82,000 or
8.2% to $1,088,000 from $1,006,000 for the three months ended June 30, 2000. For
the six months ended June 30, 2001, net income reached $2,068,000, an increase
of $196,000 or 10.5%, when compared to net income of $1,872,000 for the six
months ended June 30, 2000. The increase in net income for the first half of
2001 compared to 2000 is the product of a 4.6% increase in net interest income
to $5,601,000 from $5,353,000 in the prior year. This increase was derived by a
$318,000 or 4.4% increase in interest income from $7,285,000 in 2000 to
$7,603,000 in 2001 coupled with a $70,000 or 3.6%, increase in interest expense
during the same time period. The Company experienced an 18.6% increase in fee
income reaching $862,000 for the six months ended June 30, 2001 from $727,000
for the same period in 2000.

Interest expense fell $71,000 or 7.5% for the three month period ended June 30,
2001 compared to the three month period ended June 30, 2000. Interest expense
increased $70,000 or 3.6% to $2,002,000 for the six month period ended June 30,
2001 compared to $1,932,000 for the six month period ended June 30, 2000. These
fluctuations directly reflect the current interest rate environment.


                                       11
<PAGE>


On a per share basis, basic and diluted earnings per share were $0.34 and $0.33
for the quarter ended June 30, 2001 as compared to $0.31 and $0.31 for the
quarter ended June 30, 2000. For the first half of 2001, basic and diluted
earnings per share were $0.64 and $0.62 as compared to $0.58 and $0.57 for the
first half of 2000. Share data has been restated to include the effect of the
2001 Stock Dividend.

PROVISION FOR LOAN LOSSES
For the quarter ended June 30, 2001, the Company's provision for loan losses was
$30,000, a decrease of $10,000 from the provision of $40,000 for the quarter
ended June 30, 2000. The provision for the six months ended June 30, 2001 was
$40,000 as compared to $90,000 for the six months ended June 30, 2000. The
decreased provision reflects management's view of the economy of its service
area and the strength of the Company's loan portfolio.

NON-INTEREST INCOME
Non-interest income, which was primarily attributable to service fees received
from deposit accounts, amounted, for the three months ended June 30, 2001, to
$448,000, an increase of $47,000, or 11.7%, from $401,000 for the three months
ended June 30, 2000. For the six months ended June 30, 2001, non-interest income
reached $862,000, an increase of $135,000 or 18.6% above the non-interest income
level of $727,000 for the six months ended June 30, 2000.

NON-INTEREST EXPENSE
Non-interest expense for the quarter ended June 30, 2001, amounted to
$1,621,000, an increase of $34,000 or 2.1% from $1,587,000 for the quarter ended
June 30, 2000. For the six months ended June 30, 2001, non-interest expense
totaled $3,241,000, an increase of $176,000 or 5.7%, from $3,065,000 for the six
months ended June 30, 2000. This increase continues to be related, primarily, to
occupancy expense, data processing fees, customary increases for salary and
employee benefits, as well as other administrative expenses resulting from the
Company's growth since the second quarter of 2000.

INCOME TAX EXPENSE
The income tax provision, which includes both federal and state taxes, for the
quarters ended June 30, 2001 and 2000 was $587,000 and $560,000, respectively.
For the first half of 2001 and 2000, the income tax provision totaled $1,114,000
and $1,053,000, respectively. The increase in income taxes is a direct result of
the increase in income before taxes in 2001.


FINANCIAL CONDITION:  June 30, 2001 and December 31, 2000

At June 30, 2001, the Company's total assets were $232,194,000 compared to
$234,927,000 at December 31, 2000, a decrease of 1.2%. Total loans experienced a
1.8% increase to $135,657,000 at June 30, 2001 from $133,255,000 at December 31,
2000. Total deposits at June 30, 2001 were $204,539,000, 1.8% lower than the
$208,365,000 at December 31, 2000.


                                       12
<PAGE>


LOAN PORTFOLIO
At June 30, 2001, the Company's total loans were $135,657,000, an increase of
$2,402,000 or 1.8% over total loans of $133,255,000 at December 31, 2000. The
increase in the loan portfolio continues to be attributable to the effect of
continued customer referrals, selective marketing, and continued growth within
the local Bergen County community. Management believes that the Company will
remain successful in loan acquisition within this market due to the fact that,
through mergers and acquisitions, the Company's trade area is now primarily
served by large institutions, frequently headquartered out of state. Management
believes that it is not cost-efficient for these larger institutions to provide
the level of personal service to small business borrowers.

The Company's loan portfolio consists of commercial loans, real estate loans,
and consumer loans. Commercial loans are made for the purpose of providing
working capital, financing the purchase of equipment or inventory, as well as
for other business purposes. Real estate loans consist of loans secured by
commercial or residential real property and loans for the construction of
commercial or residential property. Consumer loans are made for the purpose of
financing the purchase of consumer goods, home improvements, and other personal
needs, and are generally secured by the personal property being purchased.

The Company's loans are primarily to businesses and individuals located in
eastern Bergen County, New Jersey. The Company has not made loans to borrowers
outside of the United States. Commercial lending activities are focused
primarily on lending to small business borrowers. The Company believes that its
strategy of customer service, competitive rate structures, and selective
marketing have enabled the Company to gain market entry to local loans. Bank
mergers and lending restrictions at larger banks competing with the Company have
also contributed to the Company's efforts to attract borrowers.

The following table sets forth the classification of the Company's loans by
major category as of June 30, 2001 and December 31, 2000, respectively:

<TABLE>
<CAPTION>
                                                            June 30, 2001                      December 31, 2000
                                                            -------------                      -----------------
                                                                            (Dollars in thousands)

                                                      Amount             Percent             Amount              Percent
                                                 ---------------     ---------------     ---------------     ---------------

<S>                                              <C>                 <C>                 <C>                 <C>
Commercial                                       $        93,824                69.2%    $        90,496                67.9%
Mortgage                                                  19,692                14.5%             22,320                16.8%
Consumer                                                  22,141                16.3%             20,439                15.3%
                                                 ---------------     ---------------     ---------------     ---------------

Total Loans                                      $       135,657                 100%    $       133,255                 100%
                                                 ===============     ===============     ===============     ===============
</TABLE>


                                       13
<PAGE>



ASSET QUALITY
The Company's principal assets are its loans. Inherent in the lending function
is the risk of the borrower's inability to repay a loan under its existing
terms. Risk elements include non-accrual loans, past due and restructured loans,
potential problem loans, loan concentrations, and other real estate owned.

Non-performing assets include loans that are not accruing interest (non-accrual
loans) as a result of principal or interest being in default for a period of 90
days or more. When a loan is classified as non-accrual, interest accruals
discontinue and all past due interest, including interest applicable to prior
years, is reversed and charged against current income. Until the loan becomes
current, any payments received from the borrower are applied to outstanding
principal until such time as management determines that the financial condition
of the borrower and other factors merit recognition of such payments of
interest.

The Company attempts to minimize overall credit risk through loan
diversification and its loan approval procedures. Due diligence begins at the
time a borrower and the Company begin to discuss the origination of a loan.
Documentation, including a borrower's credit history, materials establishing the
value and liquidity of potential collateral, the purpose of the loan, the source
and timing of the repayment of the loan, and other factors are analyzed before a
loan is submitted for approval. Loans made are also subject to periodic audit
and review.

The following table sets forth information concerning the Company's
non-performing assets as of the dates indicated: Non-Performing Assets (dollars
in thousands)

<TABLE>
<CAPTION>
                                                                        June 30,           December 31,
                                                                          2001                2000
                                                                          ----                ----

<S>                                                                  <C>                 <C>
Non-performing loans                                                 $             0     $            49
Other real estate                                                                  0                   0
                                                                     ---------------     ---------------
     Total non-performing assets                                     $             0     $            49

Non-performing loans to total gross loans                                        N/A                0.02%
Non-performing assets to total assets                                            N/A                0.01%
</TABLE>

As of June 30, 2001, the Company had no non-accrual loans. At December 31, 2000,
the Company had one non-accrual loan which represented a line of credit.

Other than as disclosed above, there were no loans where information about
possible credit problems of borrowers causes management to have serious doubts
as to the ultimate collectibility of such loans.

As of June 30, 2001 and December 31, 2000, there were no concentrations of loans
exceeding 25% of the Company's total loans and the Company had no foreign loans.
The Company's loans are primarily to businesses and individuals located in
eastern Bergen County, New Jersey.


                                       14
<PAGE>



ALLOWANCE FOR LOAN LOSSES
The allowance for loan losses is a reserve established through charges to
earnings in the form of a provision for loan losses. The Company attempts to
maintain an allowance for loan losses at a sufficient level to provide for
losses inherent in the loan portfolio. Loan losses are charged directly to the
allowance when they occur and any recovery is credited to the allowance. Risks
within the loan portfolio are analyzed on a continuous basis by the Company's
officers, by external independent loan review auditors, and by the Company's
audit committee. A risk system, consisting of multiple grading categories, is
utilized as an analytical tool to assess risk and appropriate reserves. In
addition to the risk system, management further evaluates risk characteristics
of the loan portfolio under current and anticipated economic conditions and
considers such factors as the financial condition of the borrower, past and
expected loss experience, and other factors which management feels deserve
recognition in establishing an appropriate reserve. These estimates are reviewed
at least quarterly, and, as adjustments become necessary, they are realized in
the periods in which they become known. Additions to the allowance are made by
provisions charged to the expense and the allowance is reduced by net-chargeoffs
(i.e. loans judged to be uncollectible are charged against the reserve, less any
recoveries on the loans.) Although management attempts to maintain the allowance
at an adequate level, future addition to the allowance may be required based
upon changes in market conditions. Additionally, various regulatory agencies
periodically review the allowance for loan losses. These agencies may require
additional provisions based upon their judgment about information available to
them at the time of their examination.

The Company's allowance for loan losses totaled $1,486,000 and $1,371,000 at
June 30, 2001 and 2000, respectively. This increase in the allowance is due to
the continued growth of the loan portfolio. The following is a summary of the
reconciliation of the allowance for loan losses for the six month periods ended
June 30, 2001 and 2000, respectively:

<TABLE>
<CAPTION>
                                                                             Six months ended
                                                                                  June 30,
                                                                           2001                2000
                                                                           ----                ----
                                                                           (dollars in thousands)

<S>                                                                  <C>                 <C>
Balance, beginning of period                                         $         1,473     $         1,310
Charge-offs                                                                      (27)                (29)
Recoveries                                                                         0                   0
Provision charged to expense                                                      40                  90
                                                                     ---------------     ---------------
Balance, end of period                                               $         1,486     $         1,371
                                                                     ===============     ===============


Balance of allowance at end of period as
a percentage of loans at end of period                                          1.10%               1.10%
</TABLE>


                                       15
<PAGE>


INVESTMENT SECURITIES

The Company maintains an investment portfolio to fund increased loan demand or
deposit withdrawals and other liquidity needs and to provide an additional
source of interest income. The portfolio is composed of U.S. Treasury
Securities, obligation of U.S. Government Agencies, selected municipal and state
obligations, stock in the Federal Home Loan Bank ("FHLB"), and equity securities
of another financial institution.

Management determines the appropriate classification of securities at the time
of purchase. At June 30, 2001, $23,282,000 of the Company's investment
securities were classified as held to maturity and $29,960,000 were classified
as available for sale. At June 30, 2001, the Company held no securities which it
classified as trading securities.

At June 30, 2001, total investment securities were $53,242,000, a decrease of
$2,427,000 or 4.4%, from total investment securities of $55,669,000 at December
31, 2000. This decrease in investment securities from year end 2000 to first
half 2001 reflects the maturity of investment securities which will be used to
fund loan growth.

The following table sets forth the carrying value of the Company's security
portfolio as of the dates indicated.


                                       16
<PAGE>


A comparative summary of securities available for sale at June 30, 2001 and
December 31, 2000 is as follows (in thousands):

<TABLE>
<CAPTION>
                                                                          Gross              Gross                Fair
                                                    Amortized           Unrealized         Unrealized            Market
                                                      Cost                Gains              Losses               Value
                                                 ---------------     ---------------     ---------------     ---------------
<S>                                              <C>                 <C>                 <C>                 <C>
June 30, 2001
-------------
U.S. Government and agency
   Obligations                                   $        29,020                  88                --       $        29,108
FHLBNY stock                                                 512                --                  --                   512
Other equity securities                                      469                --                  (129)                340
                                                 ---------------     ---------------     ---------------     ---------------
   Total available for sale                      $        30,001                  88                (129)    $        29,960

December 31, 2000
-----------------
U.S. Government and agency
   Obligations                                   $        20,076                  25                 (25)    $        20,076
FHLBNY stock                                                 512                --                  --                   512
Other equity securities                                      469                --                  (129)                340
                                                 ---------------     ---------------     ---------------     ---------------
   Total available for sale                      $        21,057                  25                (154)    $        20,928
</TABLE>


A comparative summary of securities held to maturity at June 30, 2001 and
December 31, 2000 is as follows (in thousands):

<TABLE>
<CAPTION>
                                                                          Gross              Gross                Fair
                                                    Amortized           Unrealized         Unrealized            Market
                                                      Cost                Gains              Losses               Value
                                                 ---------------     ---------------     ---------------     ---------------
<S>                                              <C>                 <C>                 <C>                 <C>
June 30, 2001
-------------
U.S. Government and agency
   Obligations                                   $        15,600                 165                --       $        15,765
Municipal and state obligations                            7,682                   1                --                 7,683
                                                 ---------------     ---------------     ---------------     ---------------
   Total held to maturity                        $        23,282                 166                --       $        23,448

December 31, 2000
-----------------
U.S. Government and agency
   Obligations                                   $        24,586                  77                 (27)    $        24,636
Municipal and state obligations                           10,155                   5                --                10,160
                                                 ---------------     ---------------     ---------------     ---------------
   Total held to maturity                        $        34,741                  82                 (27)    $        34,796
</TABLE>


                                       17
<PAGE>


The following table sets forth as of June 30, 2001, the maturity distribution of
the Company's debt investment portfolio:


                     Maturity of Debt Investment Securities
                                  June 30, 2001
                                 (in thousands)

<TABLE>
<CAPTION>
                                                    Securities                                      Securities
                                                 Held to Maturity                               Available for Sale
                                 ----------------------------------------------    --------------------------------------------
                                                                     Weighted                                        Weighted
                                  Amortized          Market           Average       Amortized         Market          Average
                                     Cost             Value            Yield           Cost            Value           Yield
                                 ------------     -------------    ------------    ------------    ------------    ------------

<S>                              <C>              <C>              <C>             <C>             <C>             <C>
Within 1 Year                    $     19,507     $      19,656            6.08%          --              --              --

1 to 5 Years                            3,775             3,792            6.17%   $     26,021    $     26,081            5.85%

Over 5 Years                             --               --              --              2,999           3,027            6.71%
                                 ------------     -------------                    ------------    ------------

                                 $     23,282     $      23,448                    $     29,020    $     29,108
                                 ============     =============                    ============    ============
</TABLE>

The Company sold no securities from its portfolio during the first six months of
2001 or 2000.


                                       18
<PAGE>



DEPOSITS
Deposits are the Company's primary source of funds. The Company experienced a
decrease in deposit balances of $3,826,000 or 1.8% to $204,539,000 at June 30,
2001 as compared to $208,365,000 at December 31, 2000. This decrease was due
mainly to the loss of time deposits, which experienced a $7,916,000, or 13.0%,
decrease resulting from declining deposit rate offerings. Within the decrease in
total deposits, interest bearing demand deposits grew $14,988,000 or 32.8% from
December 31, 2000 to June 30, 2001. The Company has no foreign deposits, nor are
there any material concentrations of deposits.

The following table sets forth the amount of various types of deposits for each
of the periods indicated (in thousands):

<TABLE>
<CAPTION>
                                                               June 30,                             December 31 ,
                                                                 2001                                   2000
                                                                 ----                                   ----

                                                      Amount                %                 Amount                %
                                                      ------                -                 ------                -

<S>                                              <C>                            <C>      <C>                            <C>
Non-interest Bearing Demand                      $        66,989                32.8%    $        79,798                38.3%
Interest Bearing Demand                                   60,748                29.7%             45,760                22.0%
Savings                                                   23,620                11.5%             21,709                10.4%
Time Deposits                                             53,182                26.0%             61,098                29.3%
                                                 ---------------     ---------------     ---------------     ---------------

                                                 $       204,539                 100%    $       208,365                 100%
                                                 ===============     ===============     ===============     ===============
</TABLE>

The Company does not actively solicit short-term deposits of $100,000 or more
because of the liquidity risks posed by such deposits. The following table
summarizes the maturity distribution of certificates of deposit of denominations
of $100,000 or more as of June 30, 2001 (in thousands).

         Three months or less                                 $    18,860
         Over three months through twelve months                   10,288
         Over one year through three years                              0
         Over three years                                               0
                                                              -----------

         TOTAL                                                $    29,148
                                                              ===========


                                       19
<PAGE>



LIQUIDITY
The Company's liquidity is a measure of its ability to fund loans, withdrawals
or maturities of deposits, and other cash outflows in a cost-effective manner.
The Company's principal sources of funds are deposits, scheduled amortization
and prepayments of loan principal, maturities of investment securities, and
funds provided by operations. While scheduled loan payments and maturing
investments are relatively predictable sources of funds, deposit flow and loan
prepayments are greatly influenced by general interest rates, economic
conditions, and competition.

The Company's total deposits equaled $204,539,000 at June 30, 2001 as compared
to $208,365,000 at December 31, 2000. Although there has been a decrease in
funds provided by deposit inflows during this period, the Company is
sufficiently funded to provide for the Company's loan demand and excess funds
have been invested in investment securities and federal funds sold.

Through the Company's investment portfolio, the Company has generally sought to
obtain a safe, yet slightly higher yield than would have been available to the
Company as a net seller of overnight federal funds while still maintaining
liquidity. Through its investments portfolio, the Company also attempts to
manage its maturity gap by seeking maturities of investments which coincide as
closely as possible with maturities of deposits. The Bank's investment portfolio
also includes securities held for sale to provide liquidity for anticipated loan
demand and other liquidity needs.

Although the Bank has traditionally been a net "seller" of federal funds, the
Bank does maintain lines of credit with the Federal Home Loan Bank of New York,
Summit Bank, and Bank of New York for "purchase" of federal funds in the event
that temporary liquidity needs arise.

Management believes that the Company's current sources of funds provide adequate
liquidity for the current cash flow needs of the Company.


                                       20
<PAGE>




INTEREST RATE SENSITIVITY ANALYSIS
The principal objective of the Company's asset and liability management function
is to evaluate the interest-rate risk included in certain balance sheet
accounts; determine the level of risk appropriate given the Company's business
focus, operating environment, capital and liquidity requirements; establish
prudent asset concentration guidelines; and manage the risk consistent with
Board approved guidelines. The Company seeks to reduce the vulnerability of its
operations to changes in interest rates and to manage the ratio of interest-rate
sensitive assets to interest-rate sensitive liabilities within specified
maturities or repricing dates. The Company's actions in this regard are taken
under the guidance of the Asset/Liability Committee (ALCO) of the Board of
Directors. The ALCO generally reviews the Company's liquidity, cash flow needs,
maturities of investments, deposits and borrowings, and current market
conditions and interest rates.

One of the monitoring tools used by the ALCO is an analysis of the extent to
which assets and liabilities are interest rate sensitive and measures the
Company's interest rate sensitivity "gap". An asset or liability is said to be
interest rate sensitive within a specific time period if it will mature or
reprice within that time period. A gap is considered positive when the amount of
interest rate sensitive assets exceeds the amount of interest rate sensitive
liabilities. A gap is considered negative when the amount of interest rate
sensitive liabilities exceeds the amount of interest rate sensitive assets.
Accordingly, during a period of rising rates, a negative gap may result in the
yield on the institution's assets increasing at a slower rate than the increase
in its cost of interest-bearing liabilities resulting in a decrease in net
interest income. Conversely, during a period of falling interest rates, an
institution with a negative gap would experience a repricing of its assets at a
slower rate than its interest-bearing liabilities which, consequently, may
result in its net interest income growing.

The following table sets forth the amounts of interest-earning assets and
interest-bearing liabilities outstanding at the periods indicated which are
anticipated by the Company, based upon certain assumptions, to reprice or mature
in each of the future time periods presented. Except as noted, the amount of
assets and liabilities which reprice or mature during a particular period were
determined in accordance with the earlier of the term to repricing or the
contractual terms of the asset or liability. Because the Bank has no interest
bearing liabilities with a maturity greater than five years, management believes
that a static gap for the over five year time period reflects a more accurate
assessment of interest rate risk. The Company's loan repayment assumptions are
based upon actual historical repayment rates.


                                       21
<PAGE>


                     Cumulative Rate Sensitive Balance Sheet
                                  June 30, 2001
                                 (in thousands)

<TABLE>
<CAPTION>
                                 0 - 3         0 - 6         0 - 1         0 - 5                     All
                                Months        Months         Year          Year       5 + Years     Others       TOTAL
                               ---------     ---------     ---------     ---------    ---------    ---------   ---------

<S>                            <C>           <C>           <C>           <C>          <C>          <C>         <C>
Investment Securities          $   2,998     $  11,070     $  19,507     $  49,364    $   3,026    $       0   $  52,390

Loans:
     Commercial                    5,536         8,621        15,654        81,287       12,537            0      93,824
     Mortgages                       936         1,843         2,743        15,926        3,766            0      19,692
     Consumer                      8,942         9,298         9,653        19,107        2,584            0      21,691

Federal Funds Sold                25,820        25,820        25,820        25,820            0            0      25,820
Other Assets                           0             0             0             0            0       18,777      18,777
                               ---------     ---------     ---------     ---------    ---------    ---------   ---------

TOTAL ASSETS                   $  44,232     $  56,652     $  73,377     $ 191,504    $ 213,417    $ 232,194   $ 232,194
                               =========     =========     =========     =========    =========    =========   =========


Transaction  Accounts          $  46,311     $  46,311     $  46,311     $  46,311    $       0    $       0   $  46,311
Money Market                      14,437        14,437        14,437        14,437            0            0      14,437
Savings                           25,821        25,821        25,821        25,821            0            0      25,821
CD's < $100,000                   10,736        17,678        20,858        21,834            0            0      21,834
CD's > $100,000                   18,860        25,899        29,148        29,148            0            0      29,148
Short term borrowings                  0         2,000         2,000         2,000            0            0       2,000
Other Liabilities                      0             0             0             0            0       66,989      66,989
Equity                                 0             0             0             0            0       25,654      25,654
                               ---------     ---------     ---------     ---------    ---------    ---------   ---------

TOTAL
LIABILITIES AND
EQUITY
                               $ 116,165     $ 132,146     $ 138,575     $ 139,551    $ 139,551    $ 232,194   $ 232,194
                               =========     =========     =========     =========    =========    =========   =========

Dollar Gap                       (71,933)      (75,494)      (65,198)       51,953       73,866
Gap / Total Assets                -30.98%       -32.51%       -28.08%        22.38%       31.81%
Target Gap Range                 +/-35.0%     +/- 30.0%     +/- 25.0%      +/-25.0%
RSA / RSL                          38.08%        42.87%        52.95%       137.23%      152.93%
(Rate Sensitive Assets to
 Rate Sensitive Liabilities)
</TABLE>


                                       22
<PAGE>


CAPITAL
A significant measure of the strength of a financial institution is its capital
base. The Company's federal regulators have classified and defined Company
capital into the following components: (1) Tier I Capital, which includes
tangible shareholders' equity for common stock and qualifying perpetual
preferred stock, and (2) Tier II Capital, which includes a portion of the
allowance for possible loan losses, certain qualifying long-term debt, and
preferred stock which does not qualify for Tier I Capital. Minimum capital
levels are regulated by risk-based capital adequacy guidelines which require
certain capital as a percent of the Company's assets and certain off-balance
sheet items adjusted for predefined credit risk factors (risk-adjusted assets).

A Bank Holding Company is required to maintain, at a minimum, Tier I Capital as
a percentage of risk-adjusted assets of 4.0% and combined Tier I and Tier II
Capital as a percentage risk-adjusted assets of 8.0%.

In addition to the risk-based guidelines, the Company's regulators require that
an institution which meets the regulator's highest performance and operation
standards maintain a minimum leverage ratio (Tier I Capital as a percentage of
tangible assets) of 3.0%. For those institutions with higher levels of risk or
that are experiencing or anticipating significant growth, the minimum leverage
ratio will be evaluated through the ongoing regulatory examination process.

The following table summarizes the risk-based and leverage capital ratios for
the Bank at June 30, 2001, as well as the required minimum regulatory capital
ratios:

                                Capital Adequacy

                                                                     Minimum
                                                June 30,            Regulatory
                                                  2001             Requirements
                                                --------           ------------
Risk-Based Capital:
         Tier I Capital Ratio                    17.04%                4.0%
         Total Capital Ratio                     18.14%                8.0%
Leverage Ratio                                   10.68%                3.0%


IMPACT OF INFLATION AND CHANGING PRICES
The consolidated financial statements of the Company and notes thereto,
presented elsewhere herein, have been prepared in accordance with generally
accepted accounting principles, which require the measurement of financial
position and operating results in terms of historical dollars without
considering the change in the relative purchasing power of money over time and
due to inflation. The impact of inflation is reflected in the increased cost of
the Company's operations. Unlike most industrial companies, nearly all of the
assets and liabilities of the Company are monetary. As a result, interest rates
have a greater impact on the Company's performance than do the effects of
general levels of inflation. Interest rates do not necessarily move in the same
direction or to the same extent as the prices of goods and services.


                                       23
<PAGE>


PART II           OTHER INFORMATION

Item 1.                    Legal proceedings - NONE

The Company and the Bank are periodically parties to or otherwise involved in
legal proceedings arising in the normal course of business, such as claims to
enforce liens, claims involving the making and servicing of real property loans,
and other issues incident to the Bank's business. Management does not believe
that there is any pending or threatened proceedings against the Company or the
Bank which, if determined adversely, would have a material effect on the
business, financial position or results of operations of the Company or the
Bank.

Item 2.                    Changes in securities - NONE

Item 3.                    Defaults upon senior securities  -  NONE

Item 4.                    Submission of matters to a vote of securities holders


         The Company's Annual Meeting was held on May 17, 2001. At the Annual
Meeting, the following matter was voted on:

         1.       ELECTION OF DIRECTORS - The following directors received the
                  following votes:

<TABLE>
<CAPTION>
-------------------------------- ------------------------- ------------------------- ------------------------
           DIRECTORS                       FOR                     AGAINST                  WITHHELD
-------------------------------- ------------------------- ------------------------- ------------------------
<S>                              <C>                       <C>                       <C>
-------------------------------- ------------------------- ------------------------- ------------------------
Albert F. Buzzetti                      2,655,743                   8,420                      --
-------------------------------- ------------------------- ------------------------- ------------------------
Gerald A. Calabrese                     2,655,743                   8,420                      --
-------------------------------- ------------------------- ------------------------- ------------------------
Glenn L. Creamer                        2,655,743                   8,420                      --
-------------------------------- ------------------------- ------------------------- ------------------------
</TABLE>

All nominees were reelected.

         2.       APPROVAL OF THE BRIDGE VIEW BANCORP 2001 EMPLOYEE STOCK OPTION
                  PLAN

         3.       APPROVAL OF THE BRIDGE VIEW BANCORP 2001 STOCK OPTION PLAN FOR
                  NON-EMPLOYEE DIRECTORS


Item 5.                     Other information  -  NONE

Item 6.                     Exhibits and reports on Form 8-K  -  NONE


                                       24
<PAGE>


                                   SIGNATURES


Pursuant to the requirements of the Securities and Exchange Act of 1934, the
Registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.




                                      By:      /s/  Albert F. Buzzetti
                                           -----------------------------
                                           (Registrant - Bridge View Bancorp)
                                           Albert F. Buzzetti
                                           President and Chief Executive Officer




Date:  August 13, 2001


                                       25