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): July 16, 2008

                             Oneida Financial Corp.
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             (Exact name of registrant as specified in its charter)

          Federal                       000-25101                 16-1561678
----------------------------        -----------------        -------------------
(State or other jurisdiction        (SEC File Number)           (IRS Employer
     of incorporation)                                       Identification No.)

                  182 Main Street, Oneida, New York 13421-1676
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                    (Address of principal executive offices)
                    ----------------------------------------

       Registrant's telephone number, including area code: (315) 363-2000


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



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Check  the  appropriate  box  below  if the  Form  8-K  filing  is  intended  to
simultaneously  satisfy the filing obligation of the registrant under any of the
following provision:

[_]      Written  communications  pursuant to Rule 425 under the  Securities Act
         (17 CFR 230.425)

[_]      Soliciting  material pursuant to Rule 14a-12 under the Exchange Act (17
         CFR 240.14a-12)

[_]      Pre-commencement  communications  pursuant to Rule  14d-2(b)  under the
         Exchange Act (17 CFR 240.14d-2(b))

[_]      Pre-commencement  communications  pursuant to Rule  13e-4(C)  under the
         Exchange Act (17 CFR 240.13e-4(c))


     Item 8           Other Events
                      ------------

                  Oneida  Financial Corp.  declared a cash dividend of $0.24 per
share on the  Company's  common  stock for the six month  period  ended June 30,
2008. The dividend is payable to  shareholders of record as of July 29, 2008 and
will be paid on August 12, 2008.






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                                    SIGNATURE
                                    ---------

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.

                                           Oneida Financial Corp.


DATE:  July 18, 2008                 By:   /s/ Michael R. Kallet
                                           -------------------------------------
                                           Michael R. Kallet
                                           President and Chief Executive Officer






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                                  EXHIBIT INDEX
                                  -------------

99.1       News release dated July 16, 2008 announcing the semi-annual dividend.