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                                  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) April 9, 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)







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ITEMS 1, 2, 3, 4, 5, 6, 8, 10, 11 AND 12.  NOT APPLICABLE.

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 April 9, 2003

ITEM 9.  REGULATION FD DISCLOSURE.
         ------------------------

      On April 9, 2003,  Berkshire  Hills  Bancorp,  Inc. (the  "Company"),  the
holding  company for  Berkshire  Bank,  announced it expected to issue its first
quarter  earnings  release  on April  23,  2003.  The  Company  will  conduct  a
conference call at 10:00 a.m. on April 24, 2003 to discuss first quarter results
and full-year earnings  projections.  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 April 9, 2003 is
attached as Exhibit 99.1 and incorporated herein by reference.



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                                   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: April 10, 2003                     By: /s/ Wayne F. Patenaude
                                              ----------------------------------
                                              Wayne F. Patenaude
                                              Senior Vice President and
                                               Chief Financial Officer