UNITED STATES SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C.  20549

_____________

FORM 10-K

(Mark One)

|[X] | ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
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For the fiscal year ended December 31, 2000

OR

|[ ] | 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 34-0-25158

BANCORP CONNECTICUT, INC.

(Exact name of registrant as specified in its charter)

|Delaware              (State or other jurisdiction of
incorporation or organization) | 06-1394443         (I.R.S. employer
   identification no.)
|------------------------------------------------------------------------------------ | ----------------------------------------------------------

|121 Main Street, Southington, CT(Address of principal executive offices) | 06489      (zip code)
|------------------------------------------------------------------------ | ---------------------

Registrant's telephone number, including area code 860-628-0351

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

|Title of each class
Not applicable | Name of each exchange on which registered
Not applicable
|---------------------------------- | --------------------------------------------------------

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

Common Stock, par value $1.00 per share

(Title of class)

Indicate by check mark whether the registrant:  (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 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

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K is not contained herein, and will not be contained, to the best of
registrant's knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K.  [   ]

The aggregate market value of the voting stock held by non-affiliates of Bancorp Connecticut, Inc. (4,738,503 shares) totaled $79,369,925 (based upon the closing price of $16.75
per share as quoted on the Nasdaq National Market tier of The Nasdaq Stock Market) on March 19, 2001.

5,161,744 shares of Bancorp Connecticut, Inc. Common Stock were outstanding at March 19, 2001.

DOCUMENTS INCORPORATED BY REFERENCE

The following documents and information are incorporated by reference herein to the extent indicated under the appropriate item:



|(1) | The annual report to shareholders of Bancorp Connecticut, Inc., for the fiscal year ended December 31, 2000 (hereinafter referred to as the "2000 Annual Report"); and                      
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|(2) | Management's definitive proxy statement in connection with the 2001 annual meeting of the shareholders of Bancorp Connecticut, Inc. (hereinafter referred to as the "2001 Proxy Statement").

Forward-Looking Statements

This Annual Report on Form 10-K contains forward-looking statements that involve risks and uncertainties, as well as assumptions that, if they never materialize or prove incorrect, could cause the results of Bancorp Connecticut, Inc. (the
"Company") and Southington Savings Bank (the "Bank") to differ materially from those expressed or implied by such forward-looking statements.  All statements other than statements of historical fact are forward-looking statements, including any
projections of earnings, revenues, or other financial items; any statements of the plans, strategies and objectives of management for future operations; any statements concerning proposed new products, services, or developments; any statements regarding
future economic conditions or performance; statements of belief and any statement of assumptions underlying any of the foregoing.  The risks, uncertainties and assumptions referred to above include the general risks associated with the delivery of
financial products and services, fluctuating investment returns, rapid technological changes, competition, as well as other risks that are described from time to time in the Company's filings with the Securities and Exchange Commission, including but not
limited to the Annual Report on Form 10-K for the year ended December 31, 1999, and subsequently filed reports.  The Company assumes no obligations to update these forward-looking statements.

PART I

ITEM 1 - BUSINESS.

The main office of the Company and of the Bank is located at 121 Main Street, Southington, Connecticut 06489.  The telephone number is 860-628-0351.

The Company was incorporated under the laws of the State of Delaware on March 31, 1994, to operate principally as the bank holding company of the Bank.  The Company acquired all
of the Bank's outstanding common stock on November 17, 1994, in a one-for-one exchange with the Bank's existing shareholders.  The Bank is the sole subsidiary of the Company and its principal asset.

General

The Bank is a Connecticut chartered capital stock savings bank.  The Bank was organized in 1860, and in 1986 it converted from a mutual to a capital stock savings bank.  The
Bank is subject to supervision, examination and regulation by the Connecticut Banking Commissioner.  The Bank's deposits are insured by the Federal Deposit Insurance Corporation (the "FDIC"), which also has supervisory and regulatory authority over the
Bank.  The Bank is a member of the Federal Home Loan Bank (the "FHLB") of Boston.  The Company is subject to regulation by the Federal Reserve Board as the registered bank holding company of the Bank.

The Bank's primary market area consists of the Town of Southington, Connecticut and, to a lesser extent, the contiguous Towns of Bristol, Cheshire and Plainville.  In addition,
the Bank extended its market to the Wallingford area when it opened a branch office in Wallingford in 1998.  Southington is located approximately 18 miles from Hartford, 25 miles from New Haven and 9 miles from Waterbury.  Wallingford is contiguous to the
City of Meriden, which borders Southington to the south.

In January 2001, the Bank filed applications with the Connecticut Department of Banking for new branch offices in Kensington and Cheshire.  Both office locations were approved by
the Connecticut Department of Banking in February, 2001 and are expected to open in the second quarter of 2001.  The Kensington office will provide a business platform for the Newington, New Britain, and Berlin marketplace and the Cheshire office will
help the Bank better service the substantial presence it already has in the Cheshire area.

The Bank's principal business consists of attracting and accepting deposits from the general public and investing those deposits, together with funds generated by fees and other
income, in various types of loans and investments, including commercial loans, residential loans, consumer loans and securities.

The Bank's business strategy is to operate primarily as an innovative full-service community financial institution, offering a wide range of commercial and consumer services.
These services include checking accounts, NOW accounts, regular savings accounts, money market accounts, individual retirement accounts, savings certificates, commercial demand deposit accounts, residential real estate loans, home equity loans and lines
of credit, consumer loans, secured and unsecured commercial loans and lines of credit, letters of credit, credit card and debit card services, Internet banking (including bill-paying services), and cash management services.  The Bank makes available
Savings Bank Life Insurance ("SBLI").  The Bank provides investment brokerage and insurance services through Infinex Financial Group, Inc. and its affiliates.  Investment products such as mutual funds, tax exempt securities and individual stocks and bonds
are provided through Infinex Investment Group, a broker-dealer. Insurance products such as annuities are provided through Infinex Insurance Group, a licensed insurance agency.  Near the end of the second quarter of 2000, the Bank launched a new
wholly-owned subsidiary known as SSB Insurance Services, Inc. which earns commissions on auto, homeowner and business insurance product referrals to existing and prospective clients through a joint marketing agreement with an insurance agency.

In the third quarter of 1999, the Bank sold its trust operations to Trust Company of Connecticut ("TCC").  Since the investment management component of this activity had been
outsourced by the Bank and many of the Bank's trust customers were already working with TCC, the Bank believed the sale was in the Bank's and in its customers' best interests, since trust services did not meet the growth potential and return expectations
of the Bank.

The main focus of the Bank's lending activities is the origination of commercial and industrial loans, consumer loans and residential mortgage loans.  The Bank also makes auto
loans and student loans.  In recent years, the Bank has concentrated its efforts on increasing the percentage of commercial and consumer loans within its loan portfolio.  Commercial loans consist primarily of lines of credit with interest rates tied to
the prime rate and fixed rate, fixed term loans.  Commercial real estate loans are primarily first mortgage loans with adjustable rates.  Consumer loan originations have been primarily fixed rate home equity loans with maximum terms of 15 years or less.
The Bank also offers home equity lines of credit that have interest rates tied to the prime lending rate.  The Bank offers a wide variety of fixed and variable rate residential mortgage loan products.  In the future, the Bank expects to continue to place
a greater emphasis on the growth of its commercial loan portfolio.

The Bank's primary focus with respect to residential mortgage loans continues to be origination for sale into the secondary mortgage market, on a servicing released basis, or
referral to third parties.  The sale of fixed rate mortgages allows the Bank to generate both a higher volume of fixed rate mortgages without impairing its asset/liability management and provide additional fee income.  The Bank continues to supplement its
own loan originations by purchasing automobile loans from BCI Financial Corporation ("BCIF"), a majority-owned subsidiary of the Bank that was formed on March 9, 1998 to originate indirect automobile loans for sale to the Bank and other financial
institutions.  In addition, the Bank continues to purchase the guaranteed portion of Small Business Administration loans.

The principal sources of funds for the Bank's activities are deposit accounts, amortization and prepayment of loans, borrowings from the FHLB of Boston, reverse repurchase
agreements and funds provided from operations.  The Bank's principal sources of income are interest on loans and interest and dividends on investment securities.  The Bank also has realized income from the sale of loans and investment securities.  To a
lesser extent, the Bank realizes other noninterest income, including income from service charges on deposit accounts, income from call options premiums written on marketable equity security holdings, brokerage and insurance services, SBLI sales, brokered
commissions on referrals of residential mortgage loans, and fee income from the sale and servicing of loans generated by BCIF.

The Bank conducts its banking operations through four full service offices, one limited purpose branch, one drive-in center, and one mortgage origination office.  All of the
foregoing offices and branches are located in Southington, except for one branch that is located in Wallingford.  As discussed previously, branch offices in Kensington and Cheshire are expected to open in the second quarter of 2001.  As of February 28,
2001, the Bank had 108 full-time employees and 42 part-time employees.  The Company has no paid employees.

The Bank has not obtained a material portion of its deposits from a single person or small group of persons.  No material portion of the Bank's loans is concentrated within a
single industry or group of industries.

The Bank primarily makes commercial, residential and consumer loans to customers located within its primary market area in the State of Connecticut.  The majority of the Bank's
loan portfolio is collateralized by real estate.

During the past two years, the Bank's officers and employees continually have engaged in marketing activities, including evaluation and development of new services.  During 2000,
a comprehensive Internet-based cash management system for business customers was introduced by the Bank which was favorably received by its existing customers.  In the second quarter of 2000, the Bank introduced SSB Insurance Services, Inc., a
wholly-owned subsidiary of the Bank, which offers a variety of insurance products to Connecticut residents.  The Bank's initial investment in SSB Insurance Services, Inc. was $10,000.  During 1999, the Bank introduced a new debit card and Internet banking
(including bill-paying services) to its customers.

In 1998, the Bank formed a passive investment company, SSB Mortgage Corporation, to take advantage of changes in Connecticut state tax statutes, which served to prospectively
reduce the Company's effective tax rate.

The Bank's business is not seasonal.  Based upon the Bank's present business activities, compliance with Federal, state and local provisions regulating the discharge of materials
into the environment will not materially affect the Bank's or the Company's capital expenditures, earnings or competitive position.

Competition

The banking business in Southington and in the other markets the Bank serves, and in Connecticut generally, is highly competitive.  Intense market demands, economic pressures,
fluctuating interest rates and increased customer awareness of product and service differences among financial institutions have forced such institutions to continue to diversify their services, increase returns on deposits and become more cost effective.

The Bank experiences substantial competition in attracting and retaining deposits and in making loans of all types.  The Bank competes for deposit accounts with other savings
banks, commercial banks, savings and loan associations, credit unions, insurance companies, securities brokerage houses and money market mutual funds.  Competition for deposits includes competition not only from other deposit accounts, but also
competition with various other investment vehicles, such as corporate and governmental securities and mutual funds, which may offer higher rates of return.  Interest rates, convenience of office locations, service and marketing are all significant factors
in the Bank's competition for deposits.  From time to time, competing financial institutions set rates higher than market rates to attract or retain deposits, a fact which may cause upward pressure on the Bank's rate structure or a loss of deposits.

Competition for loans comes from other savings banks, commercial banks, savings and loan associations, insurance companies, consumer finance companies, mortgage companies, credit
unions and other lending institutions located throughout the United States.  Recently completed banking combinations in New England have increased the resources of several major banks and other financial institutions that operate many offices over a wide
geographic area, including the Bank's primary market area.  Because of their greater capitalization, these other institutions have substantially higher lending limits than the Bank.  The Bank competes for loan originations through the interest rates and
loan fees it charges and the efficiency and quality of services it provides.  Competition is affected by the general availability of lendable funds, general and local economic conditions, current interest rate levels and other factors that are not readily
predictable.

The Bank's market area is served by a significant number of financial institutions.  Eighteen offices (not including the Bank's four offices) of banking institutions are located
in Southington and Wallingford alone.  Additionally, three banking organizations have publicly announced plans to open a branch office in Southington.  At December 31, 2000, there were approximately forty mortgage lenders operating in the towns of
Southington, Bristol, Cheshire, Meriden, Plainville and Wallingford.

In addition, Federal and Connecticut legislation likely will continue to further increase competition for deposits and loans in the Bank's primary market area.  Effective June 1,
1997, unless a state prohibited before such date all interstate mergers, Federal law generally permits interstate mergers between banks.  States may also have "opted-in" and permitted such mergers prior to June 1, 1997.  Finally, Federal law permits banks
to branch into other states if a state "opts-in" to this arrangement.  In 1997, a Federal law was enacted which provides that an insured state bank that establishes a branch in a host state may conduct any activity at such branch that is permissible under
the laws of the home state of such bank, to the extent such activity is permissible either for a bank chartered by the host state or for a branch in the host state of an out-of-state national bank.

In 1995, Connecticut affirmatively "opted-in" to permit interstate mergers and acquisitions, the establishment of Connecticut chartered banks by foreign bank holding companies and
interstate de novo branching, subject to certain reciprocity requirements.  As permitted by Federal law, Connecticut law places a minimum permissible age of 5 years on the target bank and a 30% limit on concentration of deposits in both interstate and
intrastate acquisitions.  This legislation may continue to result in increased competition.

Federal legislation was recently enacted that allows broad new affiliations among banks, securities companies and insurance firms.  See "Regulation and Supervision -
Gramm-Leach-Bliley Act" below.

Regulation and Supervision

General

As a Connecticut-chartered capital stock savings bank, the deposits of which are insured by the FDIC, the Bank is subject to extensive regulation and supervision by both the
Connecticut Banking Commissioner and the FDIC.  The Company also is subject to certain regulations of the Board of Governors of the Federal Reserve System (the "Federal Reserve Board").  This governmental regulation is intended primarily to protect
depositors and the FDIC's Bank Insurance Fund, not the Company's shareholders.

Connecticut Regulation

The Connecticut Banking Commissioner regulates the Bank's internal organization as well as its deposit, lending and investment activities.  The approval of the Connecticut
Banking Commissioner is required, among other things, for the establishment of branch offices and business combination transactions.  The Connecticut Banking Commissioner conducts periodic examinations of the Bank.  The FDIC also regulates many of the
areas regulated by the Connecticut Banking Commissioner.

Connecticut banking laws grant banks broad lending authority.  Subject to certain limited exceptions, however, total secured and unsecured loans made to any one obligor pursuant
to this statutory authority may not exceed 25% of the Bank's equity capital and reserves for loan and lease losses.

Connecticut banking law prohibits the Bank from paying dividends in certain situations.  For a further description of this limitation, see Item 5 below.

Under Connecticut banking law, no person may acquire beneficial ownership of more than 10% of any class of voting securities of a Connecticut-chartered bank, or any bank holding
company of such a bank, without prior notification of, and lack of disapproval by, the Connecticut Banking Commissioner.  Similar restrictions apply to any person who holds in excess of 10% of any such class and desires to increase its holdings to 25% or
more of such class.

Any Connecticut-chartered bank meeting certain statutory requirements may, with the Connecticut Banking Commissioner's approval, establish and operate branches in any town or
towns within the state.  Banks may also establish mobile branches with the Banking Commissioner's approval.

Connecticut law presently permits Connecticut banks to engage in stock acquisitions of, and mergers with, depository institutions in other states with reciprocal legislation.
Many other states have enacted reciprocal legislation.  Several interstate mergers and acquisitions have been completed which involve Connecticut bank holding companies or banks with offices in the Bank's primary market area and bank holding companies or
banks headquartered in other states.

As noted above, in 1995, Connecticut affirmatively "opted-in" to permit interstate mergers and acquisitions, the establishment of Connecticut chartered banks by foreign bank
holding companies and interstate de novo branching, subject to certain reciprocity requirements.  Connecticut law also places a minimum permissible age of 5 years on the target bank and a 30% limit on concentration of deposits in both interstate and
intrastate acquisitions.  Legislation was enacted in 1996 which expressly permits an out-of-state bank to merge or consolidate with or acquire a branch of another out-of-state bank which has a branch in Connecticut.

Connecticut law presently requires the board of directors of each Connecticut bank to adopt annually and to periodically review an investment policy governing investments by such
bank, which policy must establish standards for the making of prudent investments.  In addition, Connecticut law permits Connecticut banks to sell fixed and variable rate annuities if licensed to do so by the Connecticut Insurance Commissioner.

Connecticut banks can invest in debt securities without regard to any other liability to the Connecticut bank of the maker or issuer of the debt securities, if the securities are
rated in the three highest rating categories or otherwise deemed to be a prudent investment, and so long as the total amount of such debt securities does not exceed 25% of the bank's total equity capital and reserves for loan and lease losses and 25% of
its assets.

Connecticut banks may invest in equity securities without regard to any other liability to the Connecticut bank of the issuer of such securities, so long as the total amount of
equity securities of any one issuer does not exceed 25% of the bank's total equity capital and reserves for loan and lease losses and 25% of its assets.

Legislation recently enacted in Connecticut (i) permits, subject to certain limitations, Connecticut banks to sell insurance, directly or indirectly; (ii) allows the organization
of "community" banks; and (iii) permits out-of-state trust companies to establish and maintain offices in Connecticut with the approval of the Banking Commissioner, provided there is reciprocity in the home state's laws.

Connecticut legislation proposed in 2001 would incorporate the privacy provisions of the Gramm-Leach-Bliley Financial Modernization Act of 1999 with respect to financial
institutions under the jurisdiction of the Connecticut Banking Commissioner.  The federal privacy provisions prohibit "financial institutions," as defined, from disclosing nonpublic personal information to nonaffiliated third parties unless the customer
or consumer is given the opportunity to opt-out of having the information disclosed and does not opt-out.  Connecticut privacy laws protect a much narrower range of information than is protected under the federal act.  However, the state law is stricter
than the federal law in that it is an opt-in provision requiring the customer's consent for disclosure, and it limits disclosure to any person and not just nonaffiliated third parties.  The proposed legislation, by incorporating into state law those
opt-out privacy provisions of the federal act that are applicable to specified entities subject to the jurisdiction of the Connecticut Banking Commissioner, would give the Commissioner enforcement authority with respect to such federal provisions.

FDIC Regulation

The Bank's deposit accounts are insured by the FDIC, generally, to a maximum of $100,000 for each insured depositor.  As with all state-chartered, FDIC insured banks, the Bank
is subject to extensive supervision and examination by the FDIC.  FDIC insured banks also are subject to FDIC regulations governing many aspects of their business and operations, including types of deposit instruments offered and permissible methods of
acquisition of funds.

Pursuant to the Federal Deposit Insurance Corporation Improvement Act of 1991 ("FDICIA"), in September 1992, the FDIC implemented a system of risk-related deposit insurance
assessments.  Under this system, for the first six months and the second six months of 2000, insurance premiums for all banks varied between 0.0% and .27% of total deposits, depending upon the capital level and supervisory rating of the institution.  The
FDIC has stated that it will reevaluate the adequacy of its assessment schedule every six months, and the FDIC may increase or decrease premium levels by up to 5 basis points each six months.  The Bank Insurance Fund FDIC insurance premium for the Bank
was 0.0% for 2000 and 0.0% for the first six months of 2001.

The Deposit Insurance Funds Act of 1996 also authorizes the Financing Corporation ("FICO") to levy assessments on Bank Insurance Fund ("BIF") - assessable deposits (the Bank's
deposits).  Assessments for the period beginning January 1, 2000 equal the same FICO assessment rate for both BIF and Savings Association Insurance Fund ("SAIF") insured deposits.  The FICO rate for the Bank is not tied to FDIC risk classification.  The
FICO BIF annual rate expressed in basis points for each quarter in 2000 commencing with the first quarter was 2.120, 2.080, 2.060 and 2.020, respectively, or an average rate of 2.070 basis points for the year 2000.  The FICO BIF annual rate for the first
quarter of 2001 is 1.960 basis points and for the second quarter of 2001 is 1.900 basis points.

Under the FDIC's risk-based capital requirements, each FDIC-insured bank is required to maintain minimum levels of "capital" based on the institution's total "risk-weighted
assets."  For purposes of these requirements, "capital" is comprised of Tier 1 capital and Tier 2 capital.  Tier 1 capital consists primarily of common stock and limited amounts of perpetual preferred stock.  Tier 2 capital consists primarily of the
allowance for loan and lease losses (subject to certain limitations), unrealized gains on certain equity securities (subject to certain limitations), and certain preferred stock, subordinated debt and convertible securities.  In determining total capital,
the amount of Tier 2 capital may not exceed the amount of Tier 1 capital.  A bank's total "risk-weighted assets" are determined by assigning the bank's assets and off-balance sheet items (e.g., letters of credit) to one of four risk categories based upon
their relative credit risk.  Under the FDIC regulations, the greater the risk associated with an asset, the greater the amount of such assets that will be subject to the capital requirements.  Effective January 1, 1998, those banks whose trading
activities equal 10% or more of total assets or $1 billion or more must incorporate capital charges for certain market risks into the risk-based capital ratio.  All FDIC-insured banks are required to maintain their capital at or above certain minimum
ratios.  At December 31, 2000, the Bank's capital exceeded these minimums.  See "Management's Discussion and Analysis-Liquidity and Capital Resources" in the 2000 Annual Report for a more detailed description of these requirements and the Bank's capital
position at December 31, 2000.

In addition, FDICIA categorizes banks based on five separate capital levels and triggers certain mandatory and discretionary federal banking agency responses for institutions that
fall below certain capital levels.  These categories range from "well capitalized" for the most highly capitalized institutions to "critically undercapitalized" for the least capitalized institutions.  Under regulatory definitions, an institution is
considered "well capitalized" (the highest rating) if its leverage capital ratio is 5% or higher, its Tier 1 risk-based capital ratio is 6% or higher, its total risk-based capital ratio is 10% or higher and it is not subject to certain regulatory orders.
On December 31, 2000, the Bank had a leverage capital ratio of 9.02%, a Tier 1 risk-based capital ratio of 13.99% and a total risk-based capital ratio of 15.25%.  At December 31, 2000, the Bank was not subject to any regulatory order.

FDICIA also limits the ability of FDIC-insured banks, such as the Bank, to acquire and retain equity investments.  Generally, state banks may hold equity securities only to the
extent permitted for national banks.  However, FDICIA also permits certain state banks to acquire or retain equity investments in an amount up to 100% of Tier 1 capital in either (1) common or preferred stock listed on a national securities exchange, or
(2) shares of a registered investment company.  The Bank applied for and was granted this exception.

Additionally, FDICIA generally prohibits a FDIC-insured bank from making investments of more than 15% of its total capital in money market preferred stocks and adjustable rate
preferred stocks.  On December 29, 1995, the FDIC granted the Bank permission to make such investments in amounts up to 100% of its Tier 1 leverage capital.

The FDIC regulations that implement FDICIA generally require an insured state bank to obtain the FDIC's prior consent before directly, or indirectly through a majority-owned
subsidiary, engaging "as principal" in any activity that is not permissible for a national bank unless one of the exceptions contained in the regulation applies.  The Company does not believe that this regulation has had or will have a material impact on
the business of the Bank.

Effective January 5, 2001, the FDIC adopted a final rule to implement certain provisions of the Gramm-Leach-Bliley Act governing activities and investments of insured state banks.
 The final rule provides the framework for subsidiaries of state nonmember banks to engage in financial activities - including securities underwriting - that the new law permits national banks to conduct through a financial subsidiary.  As in the past,
all contemplated activities must be permitted by the institution's chartering authority.  Under the final rule, state nonmember banks must self-certify that they meet the requirements to carry out these activities, which will allow them to conduct the new
activities immediately.  When the bank submits the notice, the bank and all of its depository institution affiliates must have a Community Reinvestment Act compliance rating of no less than satisfactory.

The FDIC also adopted a final rule on the privacy of consumers' financial information, as required by the Gramm-Leach-Bliley Act.  The rule took effect November 13, 2000, but
financial institutions have until July 1, 2001, to be in mandatory compliance with the regulation.

The rule (i) requires a financial institution to provide notice to customers about its privacy policies and practices; (ii) describes under what conditions a financial institution
may disclose nonpublic personal information about customers to nonaffiliated third parties; and (iii) provides an "opt-out" method for consumers to prevent the financial institution from disclosing that information to nonaffiliated third parties.

Also, in February 2001, the FDIC published final guidelines establishing standards for safeguarding customer information that implement certain provisions of the Gr
amm-Leach-Bliley Act.  The Guidelines will be effective July 1, 2001.

Pursuant to FDICIA, the federal bank regulatory agencies have issued rules establishing standards for safety and soundness at FDIC-insured institutions and their holding
companies.  These standards formalize in regulation the fundamental standards used by the federal bank regulatory agencies to assess the operational and managerial qualities of an institution.  The rules establish operational, managerial, asset quality
and earnings standards for FDIC-insured banks and their holding companies and standards that prohibit as an unsafe and unsound practice the payment of compensation that is excessive or could lead to material financial loss to such institutions.  These
standards are designed to identify potential safety and soundness concerns and ensure that action is taken to address those concerns before they pose a risk to the deposit insurance funds.

The FDIC may terminate FDIC insurance of the Bank's deposits after notice and a hearing upon a finding by the FDIC that the Bank has engaged in unsafe or unsound practices or is
in an unsafe and unsound condition to continue operations or has violated any applicable law, regulation, rule or order of, or conditions imposed by, the FDIC.  The Bank is not aware of any practice, condition or violation that might lead to termination
of its deposit insurance.

Federal Reserve System Regulation

Under the regulations of the Federal Reserve System, depository institutions such as the Bank are required to maintain reserves against their transaction accounts.  During
2000 through December 21, 2000, these regulations generally required the maintenance of reserves of 3.0% against net transaction accounts between $5.0 million and $44.3 million and 10.0% of the amount of such accounts in excess of such amount.  Effective
December 21, 2000, these regulations generally required the maintenance of reserves of 3% against net transaction accounts between $5.5 million and $42.8 million and 10% of the amount of such accounts in excess of such amount.  These amounts and
percentages are subject to further adjustment by the Federal Reserve Board.

The Company is subject to regulation by the Federal Reserve Board as a registered bank holding company.  The Federal Bank Holding Company Act of 1956, as amended (the "BHCA"),
under which the Company registered, limits the types of companies which the Company may acquire or organize and the activities in which they may engage.  In general, prior to the enactment of the Gramm-Leach-Bliley Act in November 1999, a bank holding
company and its subsidiaries were prohibited from engaging in or acquiring direct control of any company engaged in non-banking activities unless such activities are so closely related to banking or managing or controlling banks as to be a proper incident
thereto.  With the enactment of the Gramm-Leach-Bliley Act, a financial holding company may engage in any activity, and may acquire and retain the shares of any company engaged in any activity, that the Federal Reserve Board has determined (i) to be
financial in nature or incidental to such financial activity or (ii) is complementary to a financial activity and does not pose a substantial risk to the safety and soundness of depository institutions or the financial system generally.  A bank holding
company may not engage in such activities unless all of its depository institution subsidiaries are well-capitalized and well-managed, and the bank holding company has filed an election to engage in such activities with the Federal Reserve Board.  A
"financial holding company" is defined to be a bank holding company that meets the requirements set forth in the preceding sentence.

The Federal Reserve Board has established capital adequacy guidelines for bank holding companies that are similar to the FDIC's capital requirements described above.  As of
December 31, 2000, the Company was in full compliance with all applicable capital requirements, and management believes that the Company will maintain such compliance.

The BHCA requires, with certain exceptions, a bank holding company to obtain the Federal Reserve Board's approval prior to acquiring more than 5% of the outstanding voting stock
of any bank or bank holding company, acquiring all or substantially all of the assets of a bank or merging or consolidating with another bank holding company.

Under the BHCA, the Company, the Bank and any other subsidiaries generally are prohibited from engaging in certain reciprocal arrangements in connection with any extension of
credit or provision of any property or services.  The Bank is also subject to certain restrictions imposed by the Federal Reserve Act on making certain investments in the stock or other securities of the Company or in certain of the Company's
subsidiaries, and the taking of such stock or securities as collateral for loans to any borrower.

The Bank also is subject to certain restrictions imposed by the Federal Reserve Act on the amount of loans it can make to the Company or certain other affiliates.  Such loans must
be collateralized as provided by the Federal Reserve Act.  The amount of such loans may not exceed (when aggregated with certain other transactions between the Bank and the Company) 10% of the capital stock and surplus of the Bank.  Since formation of the
Company, there have been no loans made by the Bank to the Company.

The BHCA requires the Company to file reports of operations annually with the Federal Reserve Board.  The Company, the Bank and any other subsidiaries of the Company also are
subject to examination by the Federal Reserve Board.  In addition, the Company is registered as a bank holding company with the Connecticut Banking Commissioner under the Connecticut Bank Holding Company and Bank Acquisition Act.

Gramm-Leach-Bliley Act

In November, 1999, the Gramm-Leach-Bliley Act of 1999 (the "Act") was signed into federal law by President Clinton.  It contains some of the most significant
reform of financial services regulation in over 60 years.  The Act is divided into seven titles, the most significant features of which are summarized below.

Title I permits affiliations among banks, securities firms and insurance companies.  Financial institutions are able to structure these new affiliations through a
holding company structure, or through a financial subsidiary.  A bank holding company can now qualify as a financial holding company and expand into a wide variety of financial services, provided that its subsidiary depository institutions are
well-managed, well-capitalized and have received a "satisfactory" rating on their last Community Reinvestment Act examination.  The new powers granted to a financial holding company include the authority to engage in merchant banking and insurance
activities.  The financial subsidiary is a subsidiary company that can be used by a national bank to engage in many of the activities permitted for a financial holding company.

Insured state banks also are given the authority to engage in financial activities through subsidiaries, by virtue of an amendment to the Federal Deposit Insurance
Act.  Under appropriate circumstances, an insured state bank may hold an interest in a subsidiary that is essentially equivalent to a national bank's financial subsidiary.

The state bank and all of its insured depository institution affiliates must be well capitalized.  The bank must also comply with the same capital deduction and
financial statement requirements and financial and operational safeguards that apply to national banks.  In the bank's transactions with its subsidiary, the bank must comply with the limits on transactions with affiliates.

State banks are not required to divest any interests in subsidiaries that they lawfully held when the Act was enacted, and such subsidiaries are not required to
change their activities.

State bank subsidiaries are subject to FDIC examination to the same extent as any other state bank subsidiary.  They also remain subject to the same
securities-related rules that govern national banks, as long as such rules do not affect the state bank's interest in its equivalent of a financial subsidiary.

Under the Act, individual states remain responsible for regulating the business of insurance.  State insurance laws, however, are preempted if they prevent or
significantly interfere with certain insurance activities of depository institutions, namely sales and affiliation activities.  State laws governing other financial activities, except securities and insurance activities, are not preempted provided they do
not discriminate against depository institutions.

Title II makes changes related to the securities industry.  Among these changes, the Act replaces the broad exemption banks had enjoyed from Securities and
Exchange Commission regulation with more limited exemptions and directs the SEC and the Federal Reserve Board to work together to establish rules for future hybrid financial products.  In addition, the Act now requires banks that advise mutual funds to
register with the SEC as investment advisers, and requires banks selling mutual funds to clearly disclose that these funds are not federally insured.

Title III confirms that states are the regulators for the insurance activities of all persons, including acting as the functional regulator for the insurance
activities of federally-chartered banks.  However, states may not prevent depository institutions and their affiliates from engaging in insurance activities.  In addition, the Act encourages the states to develop uniform or reciprocal requirements for the
licensing of insurance agents.

Title IV closes a loophole for unitary thrift holding companies by outlawing the future acquisition or creation of new unitary thrifts by commercial enterprises.

Title V provides consumers with new protections against the transfer and use of their private personal information by financial institutions.  These provisions
enable customers of financial institutions to "opt-out" of having their personal financial information shared with unaffiliated third parties, subject to certain exceptions.  It also is made a federal crime to obtain or attempt to obtain private customer
financial information through fraudulent or deceptive means.

Title VI reforms the Federal Home Loan Bank system to provide small banks with greater access to funds for making loans to small businesses, and establishes an
improved capital structure for the system.

Title VII requires automated teller machine operators who impose a fee for use of an ATM by a noncustomer to disclose the surcharge more prominently.  Title VII
also requires agreements between an insured depository institution or affiliate and a nongovernmental entity in connection with the Community Reinvestment Act to be disclosed both to the public and to the federal banking agencies.  For smaller
institutions, the new law provides possible regulatory relief in the form of a longer period between examinations.

The Company expects the Act to continue to increase competition, especially because many financial institutions (especially those larger than the Company and the
Bank) may likely take advantage of the Act to offer a range of banking and insurance products and services to their customers.  In addition, the Bank expects to incur expenses to implement certain provisions of the Act, and the regulations adopted
pursuant to the Act, such as those relating to consumer privacy.

Effect of Governmental Policy

Banking is a business that depends on interest rate differentials.  One of the most significant factors affecting the Company's and the Bank's earnings is the difference
between (1) the interest rates paid by the Bank on its deposits and its other borrowings and (2) the interest rates received by the Bank on loans extended to its customers and securities held in the Bank's investment portfolio.  The value and yields
of the Bank's assets and the rates paid on its liabilities are sensitive to changes in prevailing market rates of interest.  Thus, the earnings and growth of the Bank will be influenced by general economic conditions, the monetary and fiscal policies of
the Federal government and the policies of regulatory agencies, particularly the Federal Reserve Board, that implement national monetary policy.  The nature and impact of any future changes in monetary policies cannot be predicted.

Effective January 1, 1995, Connecticut's banking laws were recodified.  The recodification generally combined and made uniform numerous provisions concerning the organization,
administration and powers of the various types of Connecticut-chartered banks.  In so doing, it permitted, for the first time, interstate mergers and asset acquisitions between state-chartered commercial banks.  It also liberalized the ability of
out-of-state banks to make loans in Connecticut.  The recodification has increased competition.

The present bank regulatory climate is undergoing significant change, both as it affects the banking industry itself and as it affects competition between banks and non-banking
financial institutions.  There has been significant regulatory change in the regulation and operations of savings associations, in the bank merger and acquisition area, in the products and services banks can offer, and in the non-banking activities in
which bank holding companies can engage.  Partly as a result of these changes, banks are competing actively with other types of depository institutions and with non-bank financial institutions, such as money market funds, brokerage firms, insurance
companies and other financial service enterprises.  The impact of these changes in the regulatory climate ultimately has resulted in downward pressure on the Bank's net interest margin and spread, the magnitude of which is not possible to assess.  The
Company's net interest margin, on a tax equivalent basis, was 3.72% for 2000 compared to 3.79% for 1999.  The interest rate spread, on a tax equivalent basis, was 3.03% in 2000 compared to 3.21% for 1999.  A proportionately greater rise in interest rates
on sources of funds compared with yields on earning assets caused the decrease in the net interest spread and margin in 2000 compared to 1999.  The lesser decrease in the net interest margin was the result of the positive effect of a 10.9% increase in
average noninterest-bearing demand deposits during 2000 compared to 1999.

Moreover, certain legislative and regulatory proposals that could affect the Bank and/or the Company and/or the banking business in general are pending, or may be introduced,
before the United States Congress, the Connecticut General Assembly and various governmental agencies.  These proposals include measures that may alter further the structure, regulation and competitive relationship of financial institutions and proposals
that may subject the Bank and/or the Company to increased regulation, disclosure and reporting requirements.  In addition, the various banking regulatory agencies frequently propose rules and regulations to implement and enforce existing legislation.  It
cannot be predicted whether or in what form any legislation or regulations will be enacted or the extent to which the business of the Bank and/or the Company will be affected thereby.

Regional Economy

In 2000, the State of Connecticut had strong economic growth.  The relatively flat U.S. Treasury yield curve and increased competition for both commercial and consumer loans
placed downward pressure on net interest margins, which partially offset the increase in loan growth and fee income.  Currently, the relatively flat yield curve and heightened competition is expected to place downward pressure on net interest margins.  In
addition, banking institutions must deal with continued business consolidation in the Connecticut market and continued strict bank regulation.

ITEM 2 - PROPERTIES.

The following table sets forth the location of the Bank's branch offices and other related information:

|Office               | Location                                     | Status   
|-------------------- | -------------------------------------------- | ---------
|Main Office          | 121 Main St., Southington, CT                | Owned    
|Queen Corner Office  | 900 Queen St., Southington, CT               | Owned    
|South End Office     | 921 Meriden-Waterbury Tpke., Southington, CT | Owned    
|Drive-In Center      | 30 Berlin Ave., Southington, CT              | Owned    
|Wallingford Office   | 950 North Colony Road, Wallingford, CT       | Leased   
|Cheshire Office(1)   | 1289 Highland Avenue, Cheshire, CT           | Leased   
|Kensington Office(1) | 67 Chamberlain Highway, Kensington, CT       | Leased(2)

(1)

(2)

The Bank leases approximately 1,580 square feet at 950 North Colony Road, Wallingford, Connecticut to house its Wallingford branch office.  The lease has an expiration date of
March 31, 2008, with an option to extend the lease for five years.

Since January 1995, the Bank has operated a limited purpose branch banking facility at Southington High School, which is located at 720 Pleasant Street, Southington, Connecticut.
The High School Branch processes only deposits and withdrawals and is open only during school hours.  This branch is operated on a cooperative basis: the Bank supplies management and equipment, the Town of Southington provides the required space, and
students staff the branch.  The Bank believes that the High School Branch is the only branch bank of its kind in the State of Connecticut.

During the second quarter of 2000, after receiving the necessary regulatory approvals, the Bank purchased a building located at 98 Main Street in Southington that was previously
leased.  The building contains approximately 6,591 square feet and houses the administrative offices of its human resources, marketing, finance, managed assets, consumer banking, deposit services, residential mortgage origination and information systems
departments.

For all of 2000 the Bank leased approximately 1,200 square feet at 188 North Main Street in Southington for its residential mortgage origination function.  In January 2001, after
receiving regulatory approval, the Bank relocated its mortgage origination function to 98 Main Street in Southington.

The Bank leases sufficient space at 55 Meriden Avenue in Southington (Bradley Memorial Hospital) to support a free standing automatic teller machine.  The lease had an expiration
date of July 31, 2000, with no option to extend the lease.  The Bank is currently renting the space on a month-to-month basis.

The Bank owns an approximately 35,000 square foot lot located at 918 Meriden-Waterbury Turnpike, which is adjacent to the Bank's South End office.  The lot is undeveloped.

The Bank also owns and is holding for future expansion a property located adjacent to its Main Office parking facilities.  The property consists of an approximately 14,800 square
foot undeveloped lot located at 31 Vermont Avenue.  During the third quarter of 2000, the Bank sold its property located at 50 Berlin Avenue which it was previously using as a storage facility for office supplies.

In January 2001, the Bank filed applications with the Connecticut Department of Banking for new branch offices in Kensington and Cheshire.  Both office locations were approved by
the Connecticut Department of Banking in February, 2001 and are expected to open in the second quarter of 2001.  The Bank entered into a lease dated January 22, 2001 for approximately 1,000 square feet at 1289 Highland Avenue, Cheshire, Connecticut to
house its Cheshire branch office.  The lease has an expiration date of February 28, 2011, with options to extend the lease for two successive five-year terms.  The Bank is in the process of finalizing a lease for approximately 2,000 square feet at 67
Chamberlain Highway, Kensington, Connecticut to house its Kensington branch office.

ITEM 3 - LEGAL PROCEEDINGS.

Neither the Company nor the Bank is presently a party to any legal proceedings the adverse outcome of which would likely have, in management's belief, a material effect on the
Company's or the Bank's financial condition, results of operations or cash flows.

ITEM 4 - SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS.

During the fourth quarter of 2000, no matter was submitted to a vote of shareholders of the Company.



PART II

ITEM 5 - MARKET FOR REGISTRANT'S COMMON EQUITY AND RELATED SHAREHOLDER MATTERS.

The Company's Common Stock has been issued and outstanding since November 17, 1994, when the Company acquired all of the Bank's outstanding common stock in a one-for-one
exchange with the Bank's existing shareholders.  As of March 1, 2001, 5,171,544 shares of Common Stock were issued and outstanding and were held by approximately 1,780 shareholders of record.

The Company's Common Stock is traded in the over-the-counter market and is quoted on the National Market tier of The National Association of Securities Dealers Automated Quotation
("Nasdaq") Stock Market under the symbol "BKCT."  Quarterly high and low bid prices for 1999 and 2000 are included in the 2000 Annual Report under the heading "Market Price and Dividends" and are incorporated herein by reference.  Such bid prices reflect
inter-dealer prices, without retail mark-up, markdown or commission and may not necessarily represent actual transactions.

For the foreseeable future, the only substantial source of funds available to the Company for the declaration of dividends will be dividends declared and paid by the Bank on Bank
common stock.  As the holder of Bank common stock, the Company is entitled to receive dividends when, as and if declared by the Bank board of directors out of funds legally available therefor.  The Bank may pay cash dividends out of the Bank's net
profits.  For purposes of this restriction, "net profits" means the remainder of all earnings from operations.  Further, the total of all dividends declared by the Bank in any calendar year may not exceed the sum of the Bank's net profits for the year in
question combined with its retained net profits from the preceding two calendar years.  Additionally, earnings appropriated to reserves for loan losses and deducted for federal income tax purposes are not available for cash dividends without the payment
of taxes at the then current income tax rates on the amount used.  The Connecticut Banking Commissioner and/or the FDIC may limit the Bank's ability to pay dividends.

The Bank has paid consecutive quarterly cash dividends since the quarter ended December 31, 1992.  The Company paid its first quarterly dividend during the quarter ended March 31,
1995.  No assurances can be given that further dividends will be paid or approved.  Dividend history for the Company from January 1, 1999 through December 31, 2000 is included in the 2000 Annual Report under the heading "Market Price and Dividends" and is
incorporated herein by reference.  The Bank also paid a 20% stock dividend on June 1, 1993, a 6-for-5 stock split effected in the form of a stock dividend on June 19, 1996, and a 2-for-1 stock split effected in the form of a stock dividend on
December 1, 1997.

In April 1999, the Company announced that it planned to repurchase up to 5% (260,000 shares) of its outstanding common shares over the next twelve months.  In April 2000, this
share buyback program was terminated.  Pursuant to that program, the Company purchased 136,338 shares of its outstanding shares of common stock at an average price of $16.03 per share, or 2.6% of its outstanding shares as of April 1999 and 2000.

In April 2000, the Company's Board of Directors authorized a new share buyback program of up to 5% (262,000 shares) of its outstanding shares of common stock over the next year.
As of December 31, 2000, the Company purchased 65,000 shares at an average price of $14.52 per share.

ITEM 6 - SELECTED FINANCIAL DATA.

The required information is included in the 2000 Annual Report under the heading "Selected Consolidated Financial Data," and is incorporated herein by reference.

ITEM 7 - MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS.

The required information is included in the 2000 Annual Report under the heading "Management's Discussion and Analysis" and is incorporated herein by reference.

ITEM 7A - QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK.

The required information is included in the 2000 Annual Report under the heading "Management's Discussion and Analysis - Asset/Liability Management and Interest Rate Risk" and
is incorporated herein by reference.

ITEM 8 - FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA.

The report of the Company's independent accountants and the Company's Consolidated Statements of Condition at December 31, 2000 and 1999, and the related
Consolidated Statements of Income, Shareholders' Equity and Cash Flows for each of the three years in the period ended December 31, 2000, and the Notes to Consolidated Financial Statements appear in the 2000 Annual Report and are incorporated
herein by reference.

ITEM 9 - CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE.

Not applicable.



PART III

ITEM 10 - DIRECTORS AND EXECUTIVE OFFICERS OF THE REGISTRANT.

The required information is included in the 2001 Proxy Statement under the heading "Election of Directors" and is incorporated herein by reference.

ITEM 11 - EXECUTIVE COMPENSATION.

The required information is included in the 2001 Proxy Statement under the heading "Election of Directors - Executive Compensation" and is incorporated herein by reference.

ITEM 12 - SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT.

As of March 1, 2001, there were no persons or groups (as that term is used in Section 13(d)(3) of the Exchange Act) known to the Company who may be deemed to own beneficially
more than 5% of the Common Stock.

Certain other required information under this item is included in the 2001 Proxy Statement under the heading "Election of Directors - Stock Ownership of Directors and Officers"
and is incorporated herein by reference.

ITEM 13 - CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS.

The required information is included in the 2001 Proxy Statement under the headings "Election of Directors, Transactions With Management", "Certain Business Relationships",
"Indebtedness of Management and Others" and "Compensation Committee Interlocks and Insider Participation" and is incorporated herein by reference.



PART IV

ITEM 14 - EXHIBITS, FINANCIAL STATEMENT SCHEDULES, AND REPORTS ON FORM 8-K.

|(a) | The following documents are filed as part of this report.
|--- | ---------------------------------------------------------
|    | (1)                                                      
|    |                                                          
|    |                                                          
|    |                                                          



| | (2)   | Financial Statement Schedules                                                                                                                                                                                                                                                    | 
| | ----- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | 
| |       | Information required to be included in all schedules to the Company's Consolidated Financial Statements is included in the 2000 Annual Report or is not required under the related instructions or is inapplicable and therefore has been omitted.                              
| | (3)   | Exhibits                                                                                                                                                                                                                                                                        
| |       | Exhibit No.                                       
Description                                                                                                                                                                                                                  
| | 3.1   | Certificate of Incorporation of Registrant (Incorporated by reference to Exhibit 3.1 to the Registrant's Registration Statement on Form S-4 (Registration No. 33-77696) (the "Registration Statement"))                                                                         
| | 3.2   | Bylaws of Registrant (Incorporated by reference to Exhibit 3.2 to the Registration Statement)                                                                                                                                                                                   
| | 3.3   | Certificate of Amendment of Certificate of Incorporation dated May 20, 1996 (Incorporated by reference to Exhibit 3.3 to the Registrant's Quarterly Report on Form 10-Q for the quarterly period ended June 30, 1996)                                                           
| | 4.1   | Instruments defining the rights of security holders (Included in Exhibits 3.1 and 3.2)                                                                                                                                                                                          
| | 4.2   | Form of Stock Certificate (Incorporated by reference to Exhibit 4.5 to the Registrant's Registration Statement on Form S-8 (Registration No. 33-333-2638))                                                                                                                      
| | 10.1* | Employment and Non-Competition Agreement dated as of February 1, 2000, as amended, by and between the Company, the Bank and Robert D. Morton                                                                                                                                    
| | 10.2* | Southington Savings Bank 1986 Stock Option Plan (Incorporated by reference to Exhibit 10.2 to the Registration Statement)                                                                                                                                                       
| | 10.3* | Southington Savings Bank 1993 Stock Option Plan (Incorporated by reference to Exhibit 10.3 to the Registration Statement)                                                                                                                                                       
| | 10.4* | Pension Plan of Southington Savings Bank, as amended (Incorporated by reference to Exhibit 10.4 to the Registration Statement)                                                                                                                                                  
| | 10.5* | Southington Savings Bank Supplemental Retirement Plan (Incorporated by reference to Exhibit 10.5 to the Registrant's Quarterly Report on Form 10-Q for the quarterly period ended September 30, 1996)                                                                           
| | 10.6* | Bancorp Connecticut, Inc. 1997 Stock Option Plan (Incorporated by reference to Exhibit 4.3 to the Registrant's Registration Statement on Form S-8 (Registration No. 33-30146))                                                                                                  
| | 10.7* | Southington Savings Bank Supplemental Executive Retirement Plan (effective December 21, 1998) (Incorporated by reference to Exhibit 10.7 to the Registrant's Annual Report on Form 10-K for the fiscal year ended December 31, 1998)                                            
| | 10.8* | Employment and Non-Competition Agreement dated as of February 1, 2000, by and between the Company, the Bank and Phillip J. Mucha (Incorporated by reference to Exhibit 10.8 to the Registrant's Quarterly Report on Form 10-Q for the quarterly period
ended September 30, 2000)
| | 13.1  | Annual Report to Security Holders                                                                                                                                                                                                                                               
| | 21    | Subsidiaries of Registrant                                                                                                                                                                                                                                                      
| | 23    | Consent of PricewaterhouseCoopers LLP                                                                                                                                                                                                                                           
| | 24    | Power of Attorney                                                                                                                                                                                                                                                               



________________________

* Management contract or compensatory plan or arrangement.





|THE COMPANY WILL PROVIDE A COPY OF ANY EXHIBIT LISTED ABOVE TO ANY SHAREHOLDER UPON THE WRITTEN REQUEST OF SUCH SHAREHOLDER AND UPON THE PAYMENT OF A REASONABLE FEE LIMITED TO THE COMPANY'S EXPENSES INCURRED IN FURNISHING SUCH EXHIBIT.  REQUESTS
SHOULD BE ADDRESSED TO THOMAS A. SEBASTIAN, BANCORP CONNECTICUT, INC., 121 MAIN STREET, SOUTHINGTON, CONNECTICUT 06489.
|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|(b) | The Company did not file any Report on Form 8-K during the last quarter of 2000.                
|--- | ------------------------------------------------------------------------------------------------
|(c) | The exhibits required by Item 601 of Regulation S-K are filed as a separate part of this report.

SIGNATURES

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the
undersigned, thereunto duly authorized.

|                      | Bancorp Connecticut, Inc.
            (Registrant)                
|--------------------- | ------------------------------------------------------------------
|                      |                                                                   
|Date:  March 23, 2001 | By:/s/ Robert D. Morton
      Robert D. Morton
      Its President

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities
and on the dates indicated.

|Signatures                                                                 | Title                                                                                                          | Date          
|-------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------- | --------------
|/s/ Robert D. Morton   
Robert D. Morton                                   | President,
Chief Executive
Officer and Director
(Principal Executive Officer)                                  | March 23, 2001
|/s/ Phillip J. Mucha     Phillip J. Mucha                                  | Chief Financial Officer and
Treasurer/Secretary (Principal
Financial Officer and
Principal Accounting Officer) | March 23, 2001
|Norbert H. Beauchemin*   Norbert H. Beauchemin                             | Director                                                                                                       | March 23, 2001
|Walter J. Hushak*             Walter J. Hushak                             | Director                                                                                                       | March 23, 2001
|Michael J. Karabin*          Michael J. Karabin                            | Director                                                                                                       | March 23, 2001
|David P. Kelley*              David P. Kelley                              | Director                                                                                                       | March 23, 2001
|Frederick E. Kuhr*           Frederick E. Kuhr                             | Director                                                                                                       | March 23, 2001
|Joseph J. LaPorte*         Joseph J. LaPorte                               | Director                                                                                                       | March 23, 2001
|Ralph G. Mann*            Ralph G. Mann                                    | Director                                                                                                       | March 23, 2001
|Andrew J. Meade*         Andrew J. Meade                                   | Director                                                                                                       | March 23, 2001
|Frank R. Miller*           Frank R. Miller                                 | Director                                                                                                       | March 23, 2001
|Anthony S. Pizzitola*   Anthony S. Pizzitola                               | Director                                                                                                       | March 23, 2001
|Dennis J. Stanek*         Dennis J. Stanek                                 | Director                                                                                                       | March 23, 2001
|                                                                           |                                                                                                                |               
|*By:/s/ Robert D. Morton
        Robert D. Morton
        Attorney-in-fact |                                                                                                                |               



EXHIBIT INDEX

|Exhibit No. | Description                                                                                                                                                                                                                                                                      | Page
|----------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ----
|3.1         | Certificate of Incorporation of Registrant (Incorporated by reference to Exhibit 3.1 to the Registrant's Registration Statement on Form S-4 (Registration No. 33-77696) (the "Registration Statement"))                                                                          |     
|3.2         | Bylaws of Registrant (Incorporated by reference to Exhibit 3.2 to the Registration Statement)                                                                                                                                                                                    |     
|3.3         | Certificate of Amendment of Certificate of Incorporation dated May 20, 1996 (Incorporated by reference to Exhibit 3.3 to the Registrant's Quarterly Report on Form 10-Q for the quarterly period ended June 30, 1996)                                                            |     
|4.1         | Instruments defining the rights of security holders (Included in Exhibits 3.1 and 3.2)                                                                                                                                                                                           |     
|4.2         | Form of Stock Certificate (Incorporated by reference to Exhibit 4.5 to the Registrant's Registration Statement on Form S-8 (Registration No. 33-333-2638))                                                                                                                       |     
|10.1*       | Employment and Non-Competition Agreement dated as of February 1, 2000, as amended, by and between the Company, the Bank and Robert D. Morton                                                                                                                                     |     
|10.2*       | Southington Savings Bank 1986 Stock Option Plan (Incorporated by reference to Exhibit 10.2 to the Registration Statement)                                                                                                                                                        |     
|10.3*       | Southington Savings Bank 1993 Stock Option Plan (Incorporated by reference to Exhibit 10.3 to the Registration Statement)                                                                                                                                                        |     
|10.4*       | Pension Plan of Southington Savings Bank, as amended (Incorporated by reference to Exhibit 10.4 to the Registration Statement)                                                                                                                                                   |     
|10.5*       | Southington Savings Bank Supplemental Retirement Plan (Incorporated by reference to Exhibit 10.5 to the Registrant's Quarterly Report on Form 10-Q for the quarterly period ended September 30,1996)                                                                             |     
|10.6*       | Bancorp Connecticut, Inc. 1997 Stock Option Plan (Incorporated by reference to Exhibit 4.3 to the Registrant's Registration Statement on Form S-8 (Registration No. 33-30146))                                                                                                   |     
|10.7*       | Southington Savings Bank Supplemental Executive Retirement Plan (effective December 21, 1998)  (Incorporated by reference to Exhibit 10.7 to the Registrant's Annual Report on Form 10-K for the fiscal year ended December 31, 1998)                                            |     
|10.8*       | Employment and Non-Competition Agreement dated as of February 1, 2000, by and between the Company, the Bank and Phillip J. Mucha (Incorporated by reference to Exhibit 10.8 to the Registrant's Quarterly Report on Form 10-Q for the quarterly period
ended September 30, 2000) |     
|13.1        | Annual Report to Security Holders                                                                                                                                                                                                                                                |     
|21          | Subsidiaries of Registrant                                                                                                                                                                                                                                                       |     
|23          | Consent of PricewaterhouseCoopers LLP                                                                                                                                                                                                                                            |     
|24          | Power of Attorney                                                                                                                                                                                                                                                                |     

__________________________________________________________________*        Management contract or compensatory plan or arrangement.