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): December 15, 2006

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

                  182 Main Street, Oneida, New York 13421-1676
                  --------------------------------------------
                    (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
         ------------

                  Attached as an exhibit is a press release dated December 14,
         2006 announcing that at a special meeting of shareholders of the Vernon
         Bank Corporation, the previously announced merger with Oneida Financial
         Corp. was approved. All necessary regulatory applications have been
         filed and the companies expect to complete the merger in the first
         quarter of 2007.

                  The information in Item 1.01 to this Form 8-K and Exhibit 99.1
in accordance with general instruction B.2 of Form 8-K, is being furnished and
shall not be deemed filed for purposes of Section 18 of the Securities Exchange
Act of 1934, nor shall it be deemed incorporated by reference in any filing
under the Securities Act of 1933 or the Securities Exchange Act of 1934, except
shall be expressly set forth by specific reference in such filing.


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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:  December 15, 2006              By:  /s/ Michael R. Kallet
                                           -------------------------------------
                                           Michael R. Kallet
                                           President and Chief Executive Officer






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

99.1            News release dated December 14, 2006 announcing the shareholder
                approval of the merger