1



                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                    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 10, 2003
                                                        ----------------


                          BERKSHIRE HILLS BANCORP, INC.
                          -----------------------------
             (Exact name of registrant as specified in its charter)

      Delaware                      1-15781                  04-3510455
      --------                      ---------                ----------
(State or other jurisdiction of    (Commission              (IRS Employer
     incorporation)                File Number)             Identification No.)

                24 North Street, Pittsfield, Massachusetts 01201
                ------------------------------------------------
                    (Address of principal executive offices)

                                 (413) 443-5601
                                 --------------
              (Registrant's telephone number, including area code)

                                 Not Applicable
                                 --------------
          (Former name or former address, if changed since last report)







 2



ITEM 5.  OTHER EVENTS AND REGULATION FD DISCLOSURE.
         -----------------------------------------

      On October 10, 2003,  Berkshire Hills Bancorp,  Inc. (the "Company"),  the
holding  company for  Berkshire  Bank,  announced it expected to issue its first
quarter  earnings  release on October  22,  2003.  The  Company  will  conduct a
conference  call at 10:00 a.m.  on October  23,  2003 to discuss  third  quarter
results.  Instructions  on how to access the call and an  investor  presentation
that will supplement the call were contained in the press release. A copy of the
Company's  press  release dated October 10, 2003 is attached as Exhibit 99.1 and
incorporated herein by reference.

ITEM 7.  FINANCIAL STATEMENTS AND EXHIBITS.
         ---------------------------------

        (a) Financial Statements of Businesses Acquired: Not applicable

        (b) Pro Forma Financial Information: Not applicable

        (c) Exhibits

            Number            Description
            ------            -----------

            99.1              Press Release Dated October 10, 2003





                                        2

 3



                                   SIGNATURES

      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 hereunto duly authorized.

                                       BERKSHIRE HILLS BANCORP, INC.


Dated: October 15, 2003                By: /s/ Wayne F. Patenaude
                                           -------------------------------------
                                           Wayne F. Patenaude
                                           Senior Vice President, Treasurer
                                           and Chief Financial Officer