Washington, DC 20429

                                    FORM 8-K

                                 CURRENT REPORT

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

Date of Report (Date of earliest event reported): October 23, 2003

                             SALISBURY BANCORP, INC.
               (Exact name of registrant as specified in charter)

       Connecticut                                                06-1514263
(State or other jurisdiction                                (IRS Employer
of incorporation)                                            Identification No.)

 5 Bissell Street, Lakeville, Connecticut                            06039-1868
(Address of principal executive offices)                             (zip code)

Registrant's telephone number, including area code: (860) 435-9801

Form 8-K, Current Report
Salisbury Bancorp, Inc.

Item 12. Results of Operations and Financial Condition

     On October 23, 2003, Salisbury Bancorp, Inc. (the "Company") issued a press
release  announcing  its financial  results for the quarter ended  September 30,
2003. The press release is attached as Exhibit 99.1 and is  incorporated  herein
by reference.

     The information in this report (including  Exhibit 99.1) is being furnished
pursuant  to Item 12 and  shall  not be deemed to be  "filed"  for  purposes  of
Section  18 of the  Securities  Exchange  Act of 1934  (the  "Exchange  Act") or
otherwise subject to the liabilities of that section,  nor shall it be deemed to
be  incorporated  by reference in any filing under the Securities Act of 1933 or
the Exchange Act.

   Exhibit Index                                                        Page
   -------------                                                        ----

            99.l     Press release dated October 23, 2003                3

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

Dated:   October 24, 2003                  SALISBURY BANCORP, INC.

                                           By:    /s/ John F. Perotti
                                                  John F. Perotti, President and
                                                  Chief Executive Officer