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): July 30, 2004

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

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

5 Bissell Street, Lakeville, Connecticut                              06039-1868
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(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 July 30, 2004,  Salisbury  Bancorp,  Inc. (the "Company") issued a press
release  announcing  its financial  results for the quarter ended June 30, 2004.
The press  release is attached  as Exhibit  99.1 and is  incorporated  herein by

     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 July 30, 2004              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: July 30, 2004                        SALISBURY BANCORP, INC.

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