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):     April 23, 2003

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

                  Connecticut                              06-1514263
(State or other jurisdiction of incorporation) (IRS Employer 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 7. Financial Statements, Pro Forma Financial Information and Exhibits.

        (a.) Not applicable.

        (b.) Not applicable.

        (c.) Exhibits.

             Exhibit No.               Description
             -----------               -----------

             99.              Press release dated April 23, 2003

        Exhibit Index                                                 Page
        -------------                                                 ----
           99.              Press release dated April 23, 2003          3

Item 9. Regulation FD Disclosure

     On  April  23,  2003,  Salisbury  Bancorp,  Inc.  issued  a  press  release
announcing  its  earnings  for the first  quarter  of 2003.  A copy of the press
release is  attached  to this  report as Exhibit  99.  The  attached  exhibit is
furnished pursuant to Item 12 of Form 8-K.


     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:   April 24, 2003                    SALISBURY BANCORP, INC.

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


Wednesday, April 23, 2003

Company Press Release

Source: Salisbury Bancorp, Inc.

Salisbury Contact: John F. Perotti, President & CEO
860-435-9801 or

April 23, 2003


Lakeville,  Connecticut,  April 23,  2003/PRNewswire...Salisbury  Bancorp,  Inc.
(AMEX:  SAL) the holding company for Salisbury Bank and Trust Company  announced
today that net income for the first  quarter of 2003 was  $1,029,030 or $.72 per
share.  This  compares  to 2002 first  quarter  earnings of $722,009 or $.51 per

The Company  previously  announced a first  quarter  dividend of $.23 per common
share that will be paid on April 25, 2003 to  shareholders of record as of March
31,  2003.  This  compares  to a $.22  per  share  dividend  that  was  paid  to
shareholders for the first quarter of 2002.

Salisbury  Bancorp's sole  subsidiary,  Salisbury Bank and Trust Company,  is an
independent  community bank with assets in excess of $300 million and capital in
excess  of $27  million,  which  has  served  the  communities  of  northwestern
Connecticut  and  proximate  communities  in  New  York  and  Massachusetts  for
approximately  150 years.  Salisbury Bank and Trust Company is  headquartered in
Lakeville,  Connecticut and operates full service branches in Canaan,  Salisbury
and Sharon,  Connecticut.  The Bank  offers a full  compliment  of consumer  and
business banking products and services as well as trust services.