<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 fiscal quarter ended March 31, 1999

( ) 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.

              2,781,452 shares of Common Stock as of April 30, 1999




                                       1





<PAGE>



                                      INDEX

                               BRIDGE VIEW BANCORP




Part I - Financial Information


Item 1.  Financial Statement

         Consolidated Statements of Financial Condition
         as of March 31, 1999 and December 31, 1998  (unaudited)

         Consolidated Statements of Income
         for the three months ended March 31, 1999 and 1998  (unaudited)

         Consolidated Statements of Cash Flows
         for the three months ended March 31, 1999 and 1998  (unaudited)

         Notes to Unaudited Consolidated Financial Statements


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


Item 3.  Quantitative and Qualitative Disclosures about Market Risk


                                       2



<PAGE>


                               BRIDGE VIEW BANCORP
                 CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION
                                 ( in thousands)
<TABLE>
<CAPTION>


                                                                            March 31,             December 31,
                                                                              1999                    1998
                                                                         --------------           ------------
ASSETS                                                                     (unaudited)
<S>                                                                          <C>                   <C>
Cash and cash equivalents :
     Cash and due from banks.....................................             $ 14,224              $ 11,534
     Federal funds sold..........................................               25,000                22,600
                                                                              --------              --------
TOTAL CASH AND CASH EQUIVALENTS                                                 39,224                34,134
                                                                              --------              --------
Securities:
     Available for sale..........................................                4,991                 6,979
     Held to maturity............................................               32,534                28,474
                                                                              --------              --------
TOTAL SECURITIES ................................................               37,525                35,453
                                                                              --------              --------
Loans, net of allowance for losses of $1,165 and $1,127,
and deferred loan fees of $173 and $151, respectively............               96,180                96,955
Premises and equipment, net......................................                3,614                 2,243
Accrued interest receivable and other
assets...........................................................                1,555                 1,983
                                                                              --------              --------
TOTAL ASSETS ....................................................             $178,098              $170,768
                                                                              ========              ========

LIABILITIES AND STOCKHOLDERS' EQUITY
Deposits:
     Non-interest bearing demand
     deposits....................................................             $ 45,255              $ 43,253
     Interest bearing deposits:
          Savings and time deposits..............................               94,404                89,449
          Certificates of deposit $100,000 +.....................               20,001                19,998
                                                                              --------              --------
TOTAL DEPOSITS                                                                 159,660               152,700
Accrued interest payable and other liabilities...................                  727                   831
                                                                              --------              --------
TOTAL LIABILITIES ...............................................              160,387               153,531
Commitments and Contingencies
Stockholders' equity:
     Common stock, no par value,
     authorized 10,000,000 shares issued
     and outstanding 2,781,452 in 1999
     and 2,780,295 in 1998.......................................               19,028                16,379
     (Accumulated deficit)retained earnings......................               (1,322)                  841
     Accumulated other comprehensive income......................                    5                    17
                                                                              --------              --------
TOTAL STOCKHOLDERS' EQUITY ......................................               17,711                17,237
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY ......................             $178,098              $170,768
                                                                             =========              ========
</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 March 31,
                                                                     1999                   1998
                                                                     ----                   ----
<S>                                                                <C>                    <C>
Interest Income :
   Loans, including fees...................................        $ 2,049                $ 1,856
   Federal funds sold......................................            256                    184
   Investment Securities
      Taxable..............................................            365                    446
      Tax - exempt.........................................            100                     64
                                                                   -------                -------
TOTAL INTEREST INCOME                                                2,770                  2,550

Interest Expense :
   Savings deposits........................................            184                    213
   Other time deposits.....................................            274                    262
   Time deposits $100,000 +................................            247                    254
                                                                   -------                -------
TOTAL INTEREST EXPENSE ....................................            705                    729

               Net Interest Income ........................          2,065                  1,821

Provision for loan losses..................................             40                     80

Net interest income after provision for loan
losses ....................................................          2,025                  1,741

Non-interest income :
   Service charge income...................................            322                    300
                                                                   -------                -------
TOTAL NON-INTEREST INCOME .................................            322                    300

Non-interest expense :
   Salaries and employee benefits..........................            657                    553
   Occupancy and equipment expense.........................            341                    272
   Other...................................................            377                    397
                                                                   -------                -------
TOTAL NON-INTEREST EXPENSE ................................          1,375                  1,222

Income before income taxes ................................            972                    819

Income tax expense ........................................            355                    323
                                                                   -------                -------

NET INCOME ................................................          $ 617                  $ 496
                                                                   =======                =======

Earnings per share :
     Basic ................................................          $0.22                  $0.18
     Diluted ..............................................          $0.22                  $0.17
</TABLE>


            See notes to unaudited consolidated financial statements.

                                       4
<PAGE>


                               BRIDGE VIEW BANCORP
                      CONSOLIDATED STATEMENTS OF CASH FLOWS
                            (unaudited, in thousands)
<TABLE>
<CAPTION>


                                                                           Three months ended March 31,
                                                                           1999                   1998
                                                                     ------------------     -----------------
<S>                                                                      <C>                   <C>
Cash flows from operating activities :
     Net Income..................................................         $  617                $  496
     Adjustments to reconcile net income to net cash
     provided by operating activities :
        Depreciation and amortization............................             68                    45
        Provision for loan losses................................             40                    80
        Gains from sales of loans held for sale..................             17                     8
        Decrease(increase) in accrued interest receivable
        and other assets.........................................            428                   (63)
        (Decrease)increase in accrued interest payable and
         other Liabilities.......................................           (104)                  271
                                                                         -------               -------
Net cash provided by operating activities                                  1,066                   837

Cash flows from investing activities :
     Proceeds from maturities of investment securities...........         12,447                 5,107
     Purchases of investment securities..........................        (14,587)               (5,751)
     Net decrease in loans.......................................            775                   718
     Additions to premises and equipment.........................         (1,439)                  (27)
                                                                         -------               -------
Net cash (used in)provided by investing activities                        (2,804)                   47

Cash flows from financing activities :
     Net increase in deposits....................................          6,960                 5,952
     Proceeds from issuance of common stock......................              0                     6
     Cash paid for dividends.....................................           (132)                 (126)
                                                                         -------               -------
Net cash provided by financing activities                                  6,828                 5,832

Net change in cash and cash equivalents .........................          5,090                 6,716
Cash and cash equivalents at beginning of period ................         34,134                21,629
                                                                         -------               -------
Cash and cash equivalents at end of period ......................        $39,224               $28,345

Cash paid during the period for :
     Interest....................................................            701                   688
     Income taxes................................................            222                    - 
</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 and Bridge View Investment
       Company (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, 1998. The results for the three months ended March 31, 1999 are not
       necessarily indicative of the results that may be expected for the year
       ended December 31, 1999.

       Organization

       The Bank is a commercial bank which provides a full range of banking
       services to individuals and corporate customers in New Jersey. The Bank
       is 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 generally accepted accounting principles. 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 1999. 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 5% Stock Dividend (the "1999 Stock Dividend) on
       March 1, 1999 and paid the dividend on April 1, 1999. Retained earnings
       decreased by the market value of shares issued in connection with the
       1999 Stock Dividend. Earnings per share for 1998 has been restated to
       reflect the effect of the stock dividend.

                                       7
<PAGE>



 (3)   Earnings Per Share Reconciliation

       In February, 1997, the Financial Accounting Standards Board issued
       Statement of Financial Accounting Standards No. 128 "Earnings per Share"
       (SFAS 128). SFAS 128 establishes standards for the presentation and
       disclosure for earnings per share (EPS). AS required under SFAS 128, the
       reconciliation of the numerator and the denominator of basic EPS with
       that of diluted EPS is presented for the three month periods ended March
       31, 1999, and 1998.
<TABLE>
<CAPTION>
                                                                          Three Months Ended
                                                                               March 31,
                                                                        1999             1998
                                                                        ----             ----
                                                                            (in thousands,
                                                                        except per share data)
<S>                                                                   <C>             <C>
       Basic earnings per share:
       -------------------------

            Net Income                                                $  617              496
                                                                      ======           ======

       Average number of shares outstanding                            2,781            2,780
                                                                      ======           ======

       Basic earnings per share                                       $ 0.22             0.18
                                                                      ======           ======

       Diluted earnings per share :
       ----------------------------

            Net Income                                                $  617              496
                                                                      ======           ======

       Average number of shares of common 
       stock and equivalents outstanding :
            Average common shares outstanding                          2,781            2,780

            Additional shares considered in 
            diluted computation assuming :
               Exercise of options and warrants                           82               87
                                                                      ------           ------

       Average number of shares outstanding
       on a diluted basis                                              2,863            2,867
                                                                      ======           ======

       Diluted earnings per share                                     $ 0.22             0.17
                                                                      ======           ======
</TABLE>
                                       8


<PAGE>



(4)     Comprehensive Income

       Financial Accounting Standards Board Statement No. 130, "Reporting
       Comprehensive Income", (SFAS 130) establishes standards for reporting and
       displaying of comprehensive income and its components (revenues,
       expenses, gains, and losses) in a full set of general purpose financial
       statements. SFAS 130 requires all items that are required to be
       recognized under accounting standards as components of comprehensive
       income to be reported in a financial statement that is displayed with the
       same prominence as other financial statements. SFAS 130 does not require
       a specific format for that financial statement but requires that an
       enterprise display an amount representing total comprehensive income for
       the period in that financial statement.

       SFAS 130 requires that an enterprise (a) classify items of other
       comprehensive income by their nature in a financial statement and (b)
       display the accumulated balance of other comprehensive income separately
       from retained earnings and additional paid-in capital in the equity
       section of a statement of financial position. SFAS 130 is effective for
       fiscal years beginning after December 15, 1997. Reclassification of
       financial statements for earlier periods provided for comparative
       purposes is required. The Company adopted Statement 130 on January 1,
       1998. Total comprehensive income includes net income and other
       comprehensive income, which is comprised of unrealized holding gains and
       losses on securities available for sale, net of taxes. Total
       comprehensive income is as follows:
<TABLE>
<CAPTION>


                                                               Three months ended March 31,
          (in thousands)                                      1999                      1998
                                                              ----                      ----
<S>                                                           <C>                       <C>
          Comprehensive Income
          --------------------
          Net income                                          $  617                    $  496
          Other comprehensive (loss)income,
            net of taxes                                         (12)                        1
                                                              ------                    ------
          Total comprehensive income                          $  605                    $  497
</TABLE>

                                       9



<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.

In addition to historical information, this discussion and analysis contains
forward-looking statements. The forward-looking statements contained herein are
subject to certain risks and uncertainties that could cause actual results to
differ materially from those projected in the forward-looking statements.
Important factors that might cause such a difference include, but are not
limited to, those discussed in this section. Readers are cautioned not to place
undue reliance on these forward-looking statements, which reflect management's
analysis only as of the date of the report. The Company undertakes no obligation
to publicly revise or update these forward-looking statements to reflect events
and circumstances that arise after such date.

RESULTS OF OPERATIONS  -  Three Months Ended March 31, 1999 and 1998

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 March 31, 1999, net income increased by $121,000 or
24.4% to $617,000 from $496,000 for the three months ended March 31, 1998. The
increase in net income is the result of a 13.4%, increase in net interest income
to $2,065,000 from $1,821,000 in the prior year combined with a 7.3% increase in
fee income to $322,000 from $300,000 in 1998 producing an 18.7% increase in
pre-tax income to $972,000 for first quarter, 1999 compared to $819,000 for
first quarter, 1998.

Interest expense fell $24,000 or 3.3% for the three months ended March 31, 1999
to $705,000 as compared to $729,000 for the three months ended March 31, 1998.
This decrease reflects the continued effect of a shift in the deposit mix to
more cost efficient deposits.

Non-interest expense increased by $153,000 or 12.5% for the three month period
ended March 31, 1999 compared to 1998. This increase reflects the Company's
continued growth which also affected staff additions, occupancy expenses, salary
and employee benefits, data processing, as well as other administrative expenses
attributable to the Company's new branch office which opened in the fourth
quarter of 1998.

On a per share basis, basic earnings per share were $0.22 for the quarter ended
March 31, 1999 as compared to $0.18 for the quarter ended March 31, 1998 Diluted
earnings per share were $0.22 for the first quarter of 1999 as compared to $0.17
for the first quarter of 1998. Per share data has been restated to reflect the
1999 5% stock dividend.

                                       10
<PAGE>


PROVISION FOR LOAN LOSSES
For the quarter ended March 31, 1999, the Company's provision for loan losses
was $40,000, a decrease of $40,000 from the provision of $80,000 for the quarter
ended March 31, 1998. The decreased provision reflects the continued overall
stability of the 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 March 31,1999, to
$322,000, an increase of $22,000 above the $300,000 from the three months ended
March 31, 1998. The increase in service fees is attributable to the higher level
of average deposits.

NON-INTEREST EXPENSE
Non-interest expenses for the quarter ended March 31,1999 amounted to
$1,375,000, an increase of $153,000 over the $1,222,000 for the quarter ended
March 31, 1998. These increases continue to be related primarily to staff
additions, occupancy expense, data processing fees, customary increases for
salary and employee benefits, as well as other administrative expenses resulting
from the bank's growth and its newest branch which was opened during the fourth
quarter of 1998.

INCOME TAX EXPENSE
The income tax provision, which includes both federal and state taxes, for the
quarters ended March 31, 1999 and 1998 was $355,000 and $323,000, respectively.
The increase in income taxes is a direct result of the increase in income before
taxes in 1998.

           FINANCIAL CONDITION : March 31, 1999 and December 31, 1998

At March 31, 1999, the Company's total assets were $178,098,000 compared to
$170,768,000 at December 31, 1998. Total loans decreased to $97,518,000 at March
31, 1999 from $98,233,000 at December 31, 1998. Total deposits at first quarter
end 1999 were $159,660,000 compared to $152,700,000 at December 31, 1998.


LOAN PORTFOLIO
At March 31, 1999, the Company's total loans were $97,518,000, a decrease of
$715,000 or 0.7% over total loans of $98,233,000 at December 31, 1998. The
decrease in the loan portfolio is due to loan prepayments and sale of
residential properties on which the Company had extended construction loans.
Management maintains that the Company will remain successful in loan acquisition
in 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 that the Company provides.

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.

                                       11
<PAGE>

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 March 31, 1999 and December 31, 1998, respectively :
<TABLE>
<CAPTION>

                                                 March 31, 1999                      December 31, 1998
                                                 --------------                     ------------------
                                                                  (Dollars in thousands)

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

<S>                                              <C>              <C>                  <C>             <C>  
Commercial and Industrial                        $16,892          17.3%                $18,906         19.3%
Real Estate :
        Non-residential properties                35,410          36.3%                 33,487         34.1%
        Residential properties                    37,804          38.8%                 37,703         38.4%
        Construction                               4,519           4.6%                  5,443          5.5%
Consumer                                           2,893           3.0%                  2,694          2.7%
                                                 -------          -----                -------         -----

Total Loans                                      $97,518           100%                $98,233          100%
                                                 =======          =====                =======         =====
</TABLE>


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.

                                       12
<PAGE>

The following table sets forth information concerning the Company's
non-performing assets as of the dates indicated :

                              Non-Performing Assets
                             (dollars in thousands)
         
                                                March 31,           December 31,
                                                  1999                 1998
                                                ---------           ------------

Non-performing loans                             $ 125                $   0
Other real estate                                  152                  163
                                                 -----                -----
     Total non-performing assets                 $ 277                $ 163

Non-performing loans to total gross loans         0.13%                0.00%
Non-performing assets to total assets             0.16%                0.10%


As of March 31, 1999, the Company had two non-accrual loans. Both loans were
commercial lines of credit, which had matured, but were not repaid due to the
customers financial condition. At December 31, 1998, the Company had no
non-accrual loans.

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 March 31, 1999 and December 31, 1998, there were no concentrations of
loans exceeding 10% 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.


OTHER REAL ESTATE
As of March 31, 1999, other real estate reflected one foreclosed property and
totaled $152,000 compared to $163,000 at December 31, 1998. This decrease is due
to a periodic valuation of the asset. The Company carries other real estate at
the lower of the carrying value or fair market value less estimated cost to
sell. Sale of this property to a third party is expected during the second
quarter of 1999.

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 maintains an
allowance for loan losses at a sufficient level to provide for potential losses
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

                                       13
<PAGE>

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 $1,165,000 and $1,086,000 at
March 31, 1999 and 1998, 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 three month periods
ended March 31, 1999 and 1998, respectively :

                                                    Three months ended
                                                         March 31,
                                                  1999             1998
                                                  ----             ----
                                                  (dollars in thousands)

Balance, beginning of period                      $1,127          $1,009
Charge-offs                                           (2)             (3)
Recoveries                                             0               0
Provision charged to expense                          40              80
                                                  ------          ------
Balance, end of period                            $1,165          $1,086
                                                  ======          ======

Ratio of net charge-offs to
average loans outstanding                           0.00%           0.00%

Balance of allowance at end of period as
a percentage of loans at end of period              1.20%           1.31%


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 March 31, 1999, $32,534,000 of the Company's investment
securities were classified as held to maturity and $4,991,000 were classified as
available for sale. At March 31, 1999, the Company held no securities which it
classified as trading securities.

                                       14
<PAGE>



At March 31, 1999, total investment securities were $37,525,000, an increase of
$2,072,000, from total investment securities of $35,453,000 at December 31,
1998. This increase in investment securities from year end 1998 to quarter end
1999 reflects increases in total deposits in excess of funds needed for new loan
originations. At March 31, 1999 and December 31, 1998, respectively, the Company
held 4.9%, or $469,000, of the initial stock offering of Red Oak Bank, which is
in formation and is expected to open in Hanover Township, New Jersey, during
early second quarter, 1999.

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

A comparative summary of securities available for sale at March 31, 1999 and
December 31, 1998 is as follows (in thousands) :
<TABLE>
<CAPTION>


                                                                         Gross           Gross          Fair
                                                        Amortized     Unrealized      Unrealized       Market
                                                           Cost          Gains          Losses          Value
                                                       -----------    ------------    ------------    ----------
<S>                                                       <C>            <C>             <C>            <C>
March 31, 1999
--------------
U.S. Government and agency
   Obligations                                             $4,002               8               -        $4,010
FHLBNY stock                                                  512               -               -           512
Other equity securities                                       469               -               -           469
                                                          -------         -------         -------       -------
   Total available for sale                                $4,983               8               -        $4,991

December 31, 1998
-----------------
U.S. Government and agency
   Obligations                                             $6,006              28               -        $6,034
FHLBNY stock                                                  476               -               -           476
Other equity securities                                       469               -               -           469
                                                          -------         -------         -------       -------
   Total available for sale                                $6,951              28               -        $6,979

</TABLE>

A comparative summary of securities held to maturity at March 31, 1999 and
December 31, 1998 is as follows (in thousands) :
<TABLE>
<CAPTION>


                                                                         Gross           Gross          Fair
                                                        Amortized     Unrealized      Unrealized       Market
                                                           Cost          Gains          Losses          Value
                                                       -----------    ------------    ------------    ----------
<S>                                                       <C>            <C>             <C>            <C>
March 31, 1999
--------------
U.S. Government and agency
   Obligations                                            $23,039              83            (26)       $23,096
Municipal and state obligations                             9,495              16               -      
                                                                                                          9,511
                                                          -------         -------         -------       -------
   Total held to maturity                                 $32,534              99            (26)       $32,607

December 31, 1998
-----------------
U.S. Government and agency
   Obligations                                            $16,278             124               -       $16,402
Municipal and state obligations                            12,196              16               -        12,212
                                                          -------         -------         -------       -------
   Total held to maturity                                 $28,474             140               -       $28,614

</TABLE>




                                       15



<PAGE>



The following table sets forth as of March 31, 1999, the maturity distribution
of the Company's debt investment portfolio :


                     Maturity of Debt Investment Securities
                                 March 31, 1999
                                 (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                        $21,636        $21,693           5.67%             $4,002       $ 4,010          6.07%

1 to 5 Years                          10,898         10,914           5.36%                  -          -               -


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

                                     $32,534        $32,607                             $4,002       $ 4,010
                                     =======        =======                             ======       =======
</TABLE>

The Company sold no securities from its portfolio during the first quarter of
1999 or 1998.

                                       16
<PAGE>

DEPOSITS
Deposits are the Company's primary source of funds. The Company experienced a
growth in deposit balances of $6,960,000 or 4.6% to $159,660,000 at March 31,
1999 as compared to $152,700,000 at December 31, 1998. This growth was
accomplished as a result of continued market penetration as well as continued
customer referrals. Within the increase in total deposits, savings deposits grew
$2,185,000 or 11.7% from December 31, 1998 to March 31, 1999, while non-interest
bearing deposits grew $2,002,000 or 4.6% during the same period. 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>
                                                                March 31,                  December 31, 
                                                                  1999                         1998 
                                                                  ----                         ---- 
                                                         Amount          %            Amount          %
                                                         ------          -            ------          -
      <S>                                               <C>            <C>           <C>           <C>
      Non-interest Bearing Demand                       $45,255         28.4%        $43,253        28.3%
      Interest Bearing Demand                            49,324         30.9%         47,560        31.2%
      Savings                                            20,945         13.1%         18,760        12.3%
      Time Deposits                                      44,136         27.6%         43,127        28.2%
                                                       --------         -----       --------        -----

                                                       $159,660          100%       $152,700         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 March 31, 1999 (in thousands).

         Three months or less                                      $ 12,134
         Over three months through twelve months                      7,291
         Over one year through three years                              410
         Over three years                                               166
                                                                   --------
         TOTAL                                                     $ 20,001
                                                                   ========

                                       17
<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 $159,660,000 at March 31, 1999 as compared
to $152,700,000 at December 31, 1998. The increase in funds provided by deposit
inflows during this period has been more than sufficient to provide 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 been traditionally 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.

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
Company is subject to substantially similar regulations by its federal
regulations.

                                       18
<PAGE>


The following table summarizes the risk-based and leverage capital ratios for
the Bank at March 31, 1999, as well as the required minimum regulatory capital
ratios :

                                Capital Adequacy

                                                                      Minimum
                                              March 31,             Regulatory
                                                1999               Requirements
                                             ----------            ------------
Risk-Based Capital :
         Tier I Capital Ratio                 16.20%                   4.0%
         Total Capital Ratio                  17.27%                   8.0%
Leverage Ratio                                10.65%                   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.


CURRENT OPERATIONAL AND ACCOUNTING ISSUES

SFAS No. 133
In June, 1998, the FASB issued SFAS No. 133, "Accounting for Derivative
Instruments and Hedging Activities". This statement establishes accounting and
reporting standards for derivative instruments and for hedging activities. SFAS
No. 133 supersedes the disclosure requirements in SFAS No. 80, 105, and 119.
This statement is effective for periods after June 15, 1999. The adoption of
SFAS No. 133 is not expected to have a material impact on the financial position
or results of operations of the Company.

YEAR 2000
Due to the technological issues surrounding the Year 2000, the Company formally
initiated an ongoing project during 1997 to ensure that its financial condition,
results of operations or liquidity will not be adversely affected by any Year
2000 computer software failures. The Company adopted a Year 2000 Compliance Plan
and established a Year 2000 Compliance Committee, which includes members of
senior management from all areas of company and from the Company's Board of
Directors. The objectives of the plan and the committee are to ensure that the
Bank will be prepared for the new millennium. As recommended by the Federal
Financial Institutions Examination Council, the Year 2000 Plan includes the
following phases: Awareness, Assessment, Renovation, Validation, and
Implementation.

                                       19
<PAGE>


The Company is currently completing the Validation stage and has initiated
testing of certain functions which have been upgraded. While the Company
believes it is taking all appropriate steps to assure Year 2000 compliance, it
is dependent on vendor compliance to some extent. The Company is requiring its
systems and software vendors to represent that the services and products
provided are, or will be, Year 2000 compliant and that the vendors have planned,
or have begun to perform, a program of testing compliance. The Company's plan
also addresses compliance of its non-EDP systems as well as evaluation of its
major loan customers for Year 2000 state of readiness. Management believes that
it is currently on target to be appropriately prepared for the Year 2000. To
date, the Company has not incurred any material costs related to the Y2K
conversion and no material expenses have been identified or are expected.
Management continues to believe that the costs to bring the Company's systems
into Year 2000 compliance will not have a materially adverse effect upon the
Company's financial condition, results of operations, or liquidity.

The primary risks affecting the Company's Year 2000 conversion relate to the
proper functioning of its on-line banking system after December 31, 1999. This
risk is mitigated by the use of a major on-line banking system provider which
has performed and verified Y2K readiness with its own "testing and
implementation phases" to ensure proper operation. The Bank will continue to
perform its own independent validation testing of the on-line system to ensure
reliance. Additionally, the Company has developed a contingency plan for all
"mission critical" applications which are not compliant by the "trigger date".
If any application is not Y2K compliant or is incapable of providing banking
support in the Year 2000, the Bank will convert to an alternative software. The
Bank continues to evaluate its software options.

                    QUANTITATIVE AND QUALITATIVE DISCLOSURES
                                ABOUT MARKET RISK

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

                                       20
<PAGE>

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
                                 March 31, 1999
                                 (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            $10,510      $14,928       $31,085     $ 37,525        $   0        $   0          $ 37,525

Loans :
     Commercial                   21,555       23,063        24,843       53,995        3,513            0            57,508
     Participations                    0            0           175        6,699          176            0             6,875
     Mortgages                       762          762           843       12,483        4,205            0            16,688
     Consumer                     14,247       14,286        14,324       16,209          238            0            16,447

Federal Funds Sold                25,000       25,000        25,000       25,000            0            0            25,000
Other Assets                           0            0             0            0            0       18,055            18,055
                                 -------      -------       -------     --------     --------     --------          --------

TOTAL ASSETS                     $72,074      $78,039       $96,270     $151,911     $160,043     $178,098          $178,098
                                 =======      =======       =======     ========     ========     ========          ========

Transaction /
NOW Accounts                     $34,204      $34,204       $34,204      $34,204        $   0        $   0           $34,204
Money Market                      15,120       15,120        15,120       15,120            0            0            15,120
Savings                           20,945       20,945        20,945       20,945            0            0            20,945
CD's < $100,000                   11,653       17,315        21,412       24,135            0            0            24,135
CD's > $100,000                   12,134       15,474        19,425       20,001            0            0            20,001
Other Liabilities                      0            0             0            0            0       45,982            45,982
Equity                                 0            0             0            0            0       17,711            17,711
                                 -------      -------       -------     --------     --------     --------          --------

TOTAL LIABILITIES AND EQUITY     $94,056     $103,058      $111,106     $114,405     $114,405     $178,098          $178,098
                                 =======     ========      ========     ========     ========     ========          ========
                                 

Dollar Gap                      (21,982)     (25,019)      (14,837)       37,506       45,638
Gap / Total Assets               -12.34%      -14.05%        -8.33%       21.06%       25.07%
Target Gap Range                +/-35.0%    +/- 30.0%     +/- 25.0%     +/-25.0%
RSA / RSL                         76.62%       75.72%        86.65%      132.78%      139.89%
(Rate Sensitive Assets to
 Rate Sensitive Liabilities)
</TABLE>

                                       22


<PAGE>




PART II      OTHER INFORMATION
-------      -----------------

Item 1.      Legal proceedings  -  NONE

Item 2.      Changes in securities  -  NONE

Item 3.      Defaults upon senior securities  -  NONE

Item 4.      Submission of matters to a vote of securities holders  -  NONE

Item 5.      Other information  -  NONE

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

                                       23

<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:  May 13, 1999


                                       24

<PAGE>

                                INDEX TO EXHIBITS


Exhibit
Number                     Description of Exhibits
------                     -----------------------

   27                      Financial Data Schedule