U.S. SECURITIES AND EXCHANGE COMMISSION
                       Washington, D.C. 20549
                        ----------------------

                              FORM 10-QSB

(Mark One)
[X] Quarterly report pursuant to Section 13 or 15(d) of the Securities  Exchange
Act of 1934.

For the quarterly period ended September 30, 1997
                                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: 000-18546
                       -------------------------

                         BRIDGE BANCORP, INC.
   (Exact name of small business issuer as specified in its charter)

                              NEW YORK
                  (State or other jurisdiction of
                   incorporation or organization)

                        2200 MONTAUK HIGHWAY
                       BRIDGEHAMPTON, NEW YORK
              (Address of principal executive offices)

                                11932
                              (Zip Code)

                              11-2934195
                 (IRS Employer Identification Number)

                            (516) 537-1000
                      (Issuer's telephone number)

                             NOT APPLICABLE
          (Former name, former address and former fiscal year,
                     if changed since last report.)

Check  whether the issuer (1) filed all reports  required to be filed by Section
13 or 15 (d) of the  Exchange Act during the past 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 [ ]

     State the number of shares  outstanding of each of the issuer's  classes of
common equity,  as of the latest  practicable  date:  1,407,999 shares of common
stock as of November 12, 1997.

                              BRIDGE BANCORP, INC.
                                      INDEX

Part 1. FINANCIAL INFORMATION
- -----------------------------

Item 1.  Financial Statements

     Unaudited Consolidated Statements of Condition as of  September 30,
     1997 and December 31, 1996

     Unaudited  Consolidated  Statements of Income for the three months and nine
     months ended September 30, 1997 and 1996

     Unaudited  Consolidated  Statements of Cash Flows for the nine months ended
     September 30, 1997 and 1996

     Notes to Unaudited Consolidated Financial Statements

Item 2.  Management's Discussion and Analysis or Plan of Operation

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 Security Holders-None

Item 5.  Other Information - None

Item 6.  Exhibits and Reports on Form 8K

SIGNATURES

                              =====================

                       BRIDGE BANCORP, INC. AND SUBSIDIARY
                       NOTES TO THE UNAUDITED CONSOLIDATED
                              FINANCIAL STATEMENTS

1.  Basis of Financial Statement Presentation

The  accompanying   unaudited  consolidated  financial  statements  include  the
accounts  of  Bridge   Bancorp,   Inc.  (the  Registrant  or  Company)  and  its
wholly-owned  subsidiary,  The  Bridgehampton  National  Bank  (the  Bank).  The
consolidated   financial  statements  have  been  prepared  in  accordance  with
generally accepted accounting  principles for interim financial  information and
with  the  instructions  to Form  10-QSB  and Item  310(b)  of  Regulation  S-B.
Accordingly,  they do not include all of the information and footnotes  required
by generally accepted accounting  principles for complete financial  statements.
In preparing the interim financial statements, management has made estimates and
assumptions  that affect the reported  amounts of assets and liabilities and the
revenue and expense for the reported periods. Actual future results could differ
significantly  from  these  estimates.   In  the  opinion  of  management,   all
adjustments (consisting of normal recurring accruals) considered necessary for a
fair  presentation  have been included.  Operating  results are not  necessarily
indicative  of the results that may be expected for the year ended  December 31,
1997. For further  information,  refer to the consolidated  financial statements
and footnotes thereto included in the Company's Annual Report on Form 10-KSB for
the year ended December 31, 1996.

Part 1.  Financial Information
Item 1.  Financial Statements
 
BRIDGE BANCORP, INC. AND SUBSIDIARY
UNAUDITED CONSOLIDATED STATEMENTS OF CONDITION
(In thousands, except share and per share amounts)

                                                                September 30  December 31,
                                                                   1997           1996
- ---------------------------------------------------------------------------------------------
                                                                               
ASSETS
Cash and due from banks .......................................   $  10,600    $  12,247
Interest earning deposits with banks ..........................         134           68
Federal funds sold ............................................        --          1,250
                                                                  ---------    ---------
       Total cash and cash equivalents ........................      10,734       13,565

Investment in debt and equity securities, net:
   Securities available for sale, at fair value ...............      82,811       57,779
   Securities held to maturity (fair value of $10,474
   and $6,273 respectively) ...................................      10,471        6,262
                                                                  ---------    ---------
       Total investment in debt and equity securities, net ....      93,282       64,041

Loans .........................................................     129,759      118,881
Less:
  Allowance for probable loan losses ..........................       1,313        1,238
                                                                  ---------    ---------
       Loans, net .............................................     128,446      117,643

Banking premises and equipment, net ...........................       8,541        6,773
Accrued interest receivable ...................................       1,763        1,343
Deferred income taxes .........................................        --             51
Other assets ..................................................       1,502        1,198
                                                                  ---------    ---------
TOTAL ASSETS ..................................................   $ 244,268    $ 204,614
                                                                  =========    =========

LIABILITIES AND STOCKHOLDERS' EQUITY
Demand deposits ...............................................   $  64,923    $  50,464
Savings, NOW, and money market deposits .......................      76,131       73,791
Certificates of deposit of $100,000 or more ...................      37,378       18,251
Other time deposits ...........................................      43,916       42,341
                                                                  ---------    ---------
        Total deposits ........................................     222,348      184,847

Accrued interest on depositors' accounts ......................       1,326        1,537
Deferred income taxes .........................................          58         --
Other liabilities and accrued expenses ........................         570        1,304
                                                                  ---------    ---------
        Total Liabilities .....................................     224,302      187,688
                                                                  ---------    ---------

Stockholders' equity:
  Common stock, par value $5.00 per share:
   Authorized: 6,500,000 shares; issued and outstanding
  1,407,999 shares at 9/30/97 and  1,407,600 shares at 12/31/96       7,202        7,200
  Surplus .....................................................         607          600
  Undivided profits ...........................................      12,161        9,287
 Less: Net unrealized appreciation in securities
       available for sale, net of tax .........................         617          460
       Treasury Stock at cost, 32,400 shares ..................        (621)        (621)
                                                                  ---------    ---------
        Total Stockholders' Equity ............................      19,966       16,926
  Commitments and contingencies
                                                                  ---------    ---------
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY ....................   $ 244,268    $ 204,614
                                                                  =========    =========

See accompanying notes to the unaudited consolidated financial statements.

BRIDGE BANCORP, INC. AND SUBSIDIARY
UNAUDITED CONSOLIDATED STATEMENTS OF INCOME
(In thousands, except share and per share amounts)

                                                             Three Months Ended Sept 30,   Nine Months Ended Sept 30,
                                                                   1997        1996            1997         1996
- ---------------------------------------------------------------------------------------------------------------------
                                                                                                 
Interest income:
  Loans (including fee income) ..........................        $2,797      $2,663          $ 8,717     $ 8,183
  Deposits with banks ...................................             1           8                4          10
  Federal funds sold ....................................           168         144              332         320
  U.S. Treasury and government agency securities ........           343         362              935         935
  State and municipal obligations .......................           265         227              783         650
  Other securities ......................................            18          10               52          31
  Mortgage-backed securities ............................           529         436            1,476       1,189
                                                                 ------      ------          -------     -------
    Total interest income ...............................         4,121       3,850           12,299      11,318
                                                                 ------      ------          -------     -------

Interest expense:
  Savings, N.O.W. and money market deposits .............           412         414            1,212       1,190
  Certificates of deposit of $100,000 or more ...........           434         300            1,203         781
  Other time deposits ...................................           573         595            1,657       1,851
  Other borrowed money ..................................             0           8               55          11
                                                                 ------      ------          -------     -------
    Total interest expense ..............................         1,419       1,317            4,127       3,833
                                                                 ------      ------          -------     -------

Net interest income .....................................         2,702       2,533            8,172       7,485
Provision for possible loan losses ......................            60          90              180         211
                                                                 ------      ------          -------     -------

Net interest income after provision for
  possible loan losses ..................................         2,642       2,443            7,992       7,274
                                                                 ------      ------          -------     -------

Other income:
  Service charges on deposit accounts ...................           218         182              598         517
  Mortgage banking activities ...........................           622         402            1,120         678
  Gain on sale of building ..............................          --          --              1,405        --
  Net securities gains ..................................             4          28                4          42
  Other operating income ................................           271         223              580         670
                                                                 ------      ------          -------     -------
    Total other income ..................................         1,115         835            3,707       1,907
                                                                 ------      ------          -------     -------

Other expenses:
  Salaries and employee benefits ........................         1,181       1,018            3,407       2,994
  Net occupancy expense .................................           195         125              517         408
  Furniture and fixture expense .........................           151         138              418         381
  Other operating expenses ..............................           872         746            2,298       2,146
                                                                 ------      ------          -------     -------
    Total other expenses ................................         2,399       2,027            6,640       5,929
                                                                 ------      ------          -------     -------

Income before provision for income taxes ................         1,358       1,251            5,059       3,252
Provision for income taxes ..............................           498         435            1,832       1,106
                                                                 ------      ------          -------     -------
Net income ..............................................        $  860      $  816          $ 3,227     $ 2,146
                                                                 ======      ======          =======     =======
Basic earnings per share ................................        $ 0.61      $ 0.58          $  2.29     $  1.50
                                                                 ======      ======          =======     =======
Diluted earnings per share ..............................        $ 0.60                      $  2.28
                                                                 ======      ======          =======     =======

See accompanying notes to the unaudited consolidated  financial statements.  All
per share amounts have been adjusted to reflect the effects of the split.

BRIDGE BANCORP, INC. AND SUBSIDIARY
UNAUDITED CONSOLIDATED STATEMENTS OF CASH FLOWS
(In thousands)
                                                               Nine months ended September 30,
                                                                     1997        1996
- ----------------------------------------------------------------------------------------------
                                                                              
Operating activities:
  Net Income ...................................................   $  3,227    $  2,146
  Adjustments to reconcile net income to net cash provided by
    operating activities:
      Provision for possible loan losses .......................        180         211
      Depreciation and amortization ............................        393         309
      Accretion of discounts ...................................        (49)        (73)
      Amortization of premiums .................................         92         285
      Gain on the sale of building .............................     (1,404)       --
      Net securities gains .....................................         (4)        (43)
      (Increase) in accrued interest receivable ................       (420)        (79)
      (Increase) in other assets ...............................       (304)       (272)
      (Decrease) increase in accrued and other liabilities .....       (264)        508
                                                                   --------    --------
Net cash provided by operating activites .......................      1,447       2,992
                                                                   --------    --------

Investing activities:
  Purchases of securities available for sale ...................    (32,157)    (58,902)
  Purchases of securities held to maturity .....................     (9,667)     (3,900)
  Proceeds from sales of securities available for sale .........      3,560      24,218
  Proceeds from maturing securities available for sale .........      1,925       8,300
  Proceeds from maturing securities held to maturity ...........      4,375       3,721
  Proceeds from principal payments on mortgage-backed securities      2,948       5,406
  Proceeds from sale of building ...............................      1,554        --
  Net increase in loans ........................................    (10,983)     (4,837)
  Proceeds from sale of other real estate owned ................       --           235
  Purchases of banking premises and equipment, net of deletions      (2,310)     (2,026)
                                                                   --------    --------
Net cash used by investing activities ..........................    (40,755)    (27,785)
                                                                   --------    --------

Financing activities:
  Net increase in deposits .....................................     37,501      21,141
  Decrease in other borrowings .................................       --         6,600
  Payment for purchase of treasury stock .......................       --      ($   621)
  Net proceeds from issuance of restricted common stock
         issued pursuant to equity incentive plan ..............          8        --
  Cash dividends paid ..........................................     (1,032)       (835)
                                                                   --------    --------
Net cash provided by financing activities ......................     36,477      26,285
                                                                   --------    --------

(Decrease) increase in cash and cash equivalents ...............     (2,831)      1,492
Cash and cash equivalents beginning of period ..................     13,565       7,480
                                                                   --------    --------
Cash and cash equivalents end of period ........................   $ 10,734    $  8,972
                                                                   ========    ========

Supplemental information-Cash Flows:
  Cash paid for:
    Interest ...................................................   $  4,338    $  3,420
    Income taxes ...............................................   $  1,848    $    904
 Noncash investing and financing activities:
     None

See accompanying notes to the unaudited consolidated financial statements.

Item 2.  Management's Discussion and Analysis or Plan of Operation

Financial Condition
- -------------------

The assets of the  Registrant  totaled  $244,268,000  at September  30, 1997, an
increase  of  $39,654,000  or 19.38%  from the year end.  This  increase  mainly
results  from the  increase  in  investment  in debt and  equity  securities  of
$29,241,000  or 45.7%,  and the  increase  in net loans of 9.2% or  $10,803,000.
Capitalized  construction costs attributable to the Registrant's new main office
facility  were  primarily the reason for a net increase in the Bank premises and
equipment of  $1,768,000  in the first nine months of 1997.  The source of funds
for the  increase  in  assets  was  derived  from an  increase  in  deposits  of
$37,501,000  or 20.3%.  Demand  deposits  increased  $14,459,000  or 28.7%  over
December 31, 1996.  This  increase is attributed  to seasonal  fluctuations  and
increased business development  efforts.  Certificates of deposit of $100,000 or
more  increased  $19,127,000  or 104.8% over the prior year end  primarily  as a
result of increased public fund deposits.

Total stockholders' equity was $19,966,000 at September 30, 1997, an increase of
18.0% over December 31, 1996.  The increase of $3,040,000  was the result of net
income for the nine month period ended  September 30, 1997, of $3,227,000,  less
dividends declared of $352,000, plus the net increase in unrealized appreciation
in securities  available for sale, net of tax, of $157,000;  and the proceeds of
the  issuance  of shares  of  common  stock of  $8,000  pursuant  to the  equity
incentive  plan.  The net increase in securities  available for sale is directly
attributable to appreciation due to changes in interest rates. Recent volatility
in the financial  markets had no material  effect on the value of the securities
held as available for sale.

Stock Split
- -------------------

On April 15, 1997, the Board of Directors  declared a three-for-one  stock split
in the form of a stock dividend  payable May 30, 1997 to  stockholders of record
as of May 1, 1997.  The stock split  increased  outstanding  common  shares from
469,333 to  1,407,999  shares.  Stockholders  equity has been  restated  to give
retroactive  recognition  to the  stock  split  for  all  periods  presented  by
reclassifying  from  undivided  profits  to  common  stock  the par value of the
additional  shares arising from the stock split. In addition,  all references in
the unaudited  Consolidated Financial Statements and Notes thereto to the number
of shares,  per-share  amounts,  and market prices of the common stock have been
restated giving retroactive recognition to the stock split.

Results of Operations
- ---------------------

During  the first  nine  months of 1997,  the  Registrant  earned  net income of
$3,227,000 or $2.29 per share as compared with $2,146,000 or $1.50 per share for
the same period in 1996.  Net income for the three month period ended  September
30, 1997 was  $860,000 or $.61 per share  compared to $816,000 or $.58 per share
for the same period in 1996. 

Net income for the nine month  period  includes a gain on the sale of the Bank's
former  headquarters  building  totaling  $829,000  net of  applicable  taxes of
$575,000. Highlights for the nine months ended September 30, 1997 include: (I) a
$687,000 or 9.2%  increase in net interest  income;  (ii) a $1,800,000  or 94.4%
increase in total other income;  and (iii) a $711,000 or 12.0% increase in total
other  expenses.  The  provision for income taxes  increased  $726,000 or 65.6%.
Highlights  for the three month period ended  September 30, 1997 include:  (I) a
$169,000  or 6.7%  increase  in net  interest  income;  (ii) a $280,000 or 33.5%
increase in total other income;  and (iii) a $372,000 or 18.6% increase in total
other expenses.  In 1997, the Company adopted Statement of Accounting  Standards
No. 128 Earnings per Share.

Net income  for the first nine  months of 1997  reflects  annualized  returns of
23.77% on average total  stockholders'  equity and 1.95% on average total assets
as compared to the  corresponding  figures for the  preceding  calendar  year of
18.84% on average total stockholders'  equity and 1.51% on average total assets.
Annualized returns on average total  stockholders'  equity and the average total
assets  before the gain on the sale of assets,  chiefly the former  headquarters
building, were 17.68% and 1.45%, respectively.

Net interest income, the primary source of income, increased by $687,000 or 9.2%
for the current nine month  period over the same period last year.  The increase
primarily  resulted from an increase in average total  interest  earning  assets
from  $182,572,000  in the first  nine  months of 1996 to  $201,448,000  for the
comparable  period in 1997,  a 10.3%  increase.  The yield on  average  interest
earning assets at September 30, 1997 decreased to 8.1% from 8.3% during the same
period in 1996. The cost of average  interest bearing  liabilities  remained the
same at 3.8%.  The net yield on  average  earning  assets of 5.4% for the period
ended September 30, 1997 decreased from 5.5% for the same period in 1996.

A $60,000  provision for possible  loan losses was made each quarter  during the
nine month period ended September 30, 1997 totalling $180,000,  as compared to a
$211,000  provision for the same period in 1996. The allowance for possible loan
losses  increased to $1,313,000 at September 30, 1997, as compared to $1,238,000
at December  31,  1996.  As a  percentage  of loans the  allowance  was 1.01% at
September 30, 1997 and 1.04% at December 31, 1996. The allowance as a percentage
of  nonperforming  loans  (including  loans  past due 90 days or more and  still
accruing)  was 115.18% at September  30, 1997 compared to 460.2% at December 31,
1996. This decrease results from one loan  relationship  becoming  nonperforming
although  management   believes  the  borrowing   relationship  in  question  is
adequately  collateralized.  The allowance reflects  management's  evaluation of
classified  loans,  charge-off  trends,   concentrations  of  credit  and  other
pertinent  factors.  It also reflects input from the Bank's 1997  examination by
the  Office  of  the  Comptroller  of  the  Currency  and  outside  loan  review
consultants.

Total other income  increased  during the nine month period ended  September 30,
1997 by $1,800,000 or 94.4% over the same period last year. The increase was the
result of: (I) a gain on the sale of assets,  principally the sale of the Bank's
former  headquarter's  building,  of  $1,405,000;   and  (ii)  mortgage  banking
activities totaling  $1,120,000,  an increase of $442,000 or 65.2% over the same
period last year. For the three month period ended September 30, 1997,  mortgage
banking  activities  increased  54.7% or  $220,000  over the same  period in the
previous year.  These  increases are the result of the Bank's efforts to further
penetrate the mortgage market. Other operating income decreased $90,000 or 13.4%
from the same period last year . The decrease mainly resulted from not realizing
the same level of non recurring income in the same period of the current year.

Total other expenses  increased during the nine month period ended September 30,
1997 by $711,000 or 12.0%,  and for the three month period ended  September  30,
1997 by $372,000 or 18.4%,  over the same period last year.  For the three month
period ended September 30, 1997, salary and benefit expense  increased  $163,000
or 16.0% over the same period in the prior year. For the nine month period ended
September 30, 1997 the salary and employee benefit expense of $413,000 was 13.8%
higher than the same period in the previous year.  This increase  mainly results
from increased staffing and salary increases. Net occupancy expense for the nine
month period ended  September 30, 1997  increased by $109,000 or 26.7%,  and for
the three month period ended September 30, 1997 by $70,000 or 56%, over the same
period last year. These increases reflect the costs of the new main headquarters
building  occupied  in  May of  1997,  increased  rental  space  in  the  Bank's
residential mortgage center and the costs of opening an additional branch office
in the village of  Southampton.  Expected  opening date of this branch office is
November of 1997. Other operating  expenses  increased  $152,000 or 7.1% for the
nine month  period,  and  $126,000  or 16.9% for the three  month  period  ended
September 30, 1997,  respectively.  This  primarily  results from increased loan
processing expenses incurred by the Bank as part of a product promotion.

The  provision  for income  taxes  increased  during the nine month period ended
September 30, 1997 by $726,000 or 65.6% over the same period last year, $575,000
of the increase being  attributable  to the tax on the gain realized on the sale
of the former headquarters building..  The effective tax rate for the nine month
period ended  September  30, 1997 was 36% as compared to the prior period of 34%
mainly as a result of  increased  income and  decreased  benefits  of tax exempt
income in the current year.

In accordance  with the  requirement of the Exchange Act, the registrant  caused
this  report to be  signed on its  behalf  by the  undersigned,  thereunto  duly
authorized.

                       BRIDGE BANCORP, INC.

Date: November 14, 1997  Thomas J. Tobin
                         ---------------
                         Thomas J. Tobin
                         President and Chief Executive Officer

Date: November 14, 1997  Christopher Becker
                         ------------------
                         Christopher Becker
                         Senior Vice President and Treasurer

  

                              9
                         0000846617
                           Bridge Bancorp, Inc.
                       1,000

                      9-MOS
                Dec-31-1997
                     Sep-30-1997
                            10,600
               134
                       0
                       0
       82,811
            10,471
              10,474
                          129,759
                        1,313
                   244,268
                       222,348
                           0
                 1954
                            0
                  0
                            0
                           7,202
                           607
   244,268
                    8,717
                  3,246
                     337
                  12,299
                 4,072
                 4,127
              8,172
                        180
                     4
                    6,640
                    5,059
         5,059
                        0
                              0
                       3,227
                       2.29
                       2.29
                      5.40
                        1,140
                           1
                       0
                        0
                   1,238
                        155
                          50
                  1,313
               1,313
                    0
                0