----

----

| x | ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 |
|---|--------------------------------------------------------------------------------------|

| o | TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 |
|---|------------------------------------------------------------------------------------------|

| SOUTHERN CONNECTICUT BANCORP, INC. |
|------------------------------------|

| (Exact name of registrant as specified in its charter) |
|--------------------------------------------------------|

| Connecticut(State or other jurisdiction of incorporation or organization)       |   | 06-1609692(I.R.S. Employer Identification Number) |
|---------------------------------------------------------------------------------|--------|---------------------------------------------------|
|                                                                            |   |                                              |
| 215 Church StreetNew Haven, Connecticut(Address of Principal Executive Offices) |   | 06510(Zip Code)                                   |
|                                                                            |   |                                              |
| Registrant’s telephone number, including area code                        |   | (203) 782-1100                                    |

| Common Stock, par value $.01 per share |   | NYSE Amex                                   |
|----------------------------------------|--------|---------------------------------------------|
| (Title of each class)                  |   | (Name of each exchange on which registered) |

----

|   | Large accelerated filer                       | o      | Accelerated filer         | o      |
|--------|-----------------------------------------------|--------|---------------------------|--------|
|   |                                          |   |                      |   |
|   | Non-accelerated filer                         | o      | Smaller reporting company | x      |
|   |                                          |   |                      |   |
|   | (Do not check if a smaller reporting company) |

----

----

| Part III   |                                                                                            |   |      |
|------------|-------------------------------------------------------------------------------------------------|--------|-----------|
|       |                                                                                            |   |      |
| Item 10.   | Directors, Executive Officers and Corporate Governance.                                         |   |   5  |
|       |                                                                                            |   |      |
| Item 11.   | Executive Compensation.                                                                         |   |   7  |
|       |                                                                                            |   |      |
| Item 12.   | Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters. |   |   13 |
|       |                                                                                            |   |      |
| Item 13.   | Certain Relationships and Related Transactions, and Director Independence.                      |   |   18 |
|       |                                                                                            |   |      |
| Item 14.   | Principal Accountant Fees and Services.                                                         |   |   18 |
|       |                                                                                            |   |      |
| Part IV    |                                                                                            |   |      |
|       |                                                                                            |   |      |
| Item 15.   | Exhibits, Financial Statement Schedules.                                                        |   |   19 |
|       |                                                                                            |   |      |
| Signatures |                                                                                            |   |   22 |

----

| Name                     |   | Age    |   | Position And Offices With Bancorp or the Bank and Principal Occupation  and Employment During the Past Five Years |                                                                                                                                                                                                                                                                              | Director of Bancorp Since |
|--------------------------|--------|--------|--------|-----------------------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------------------|
|   Class I           |   |   |   |                                                                                                                        |                                                                                                                                                                                                                                                                              |                      |
| Carl R. Borrelli         |   |   | 75     |                                                                                                                        | Director of Bancorp and the Bank and SCB; Treasurer, All-Brite Electric, Inc. Mr. Borrelli’s many years as a small business owner make him well-suited to serve as a director of Bancorp and the Bank.                                                                      |                      | 2000. To serve until 2014. |
|                     |   |   |   |                                                                                                                        |                                                                                                                                                                                                                                                                              |                      |   |
| Alphonse F. Spadaro, Jr. |   |   | 70     |                                                                                                                        | Acting Chairman of Bancorp, the Bank, and Vice Chairman of SCB; managing principal of Levitsky & Berney, P.C. (public accounting firm).  Mr. Spadaro’s knowledge of accounting issues makes him a valuable member of the Boards of Bancorp, the Bank and SCB. |                      | 2001. To serve until 2014. |

| Class II                  |   |   |   |   |                                                                                                                                                                                                                                                                                                                                                                                                                 |   |                       |
|---------------------------|--------|--------|--------|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|----------------------------|
| Joshua H. Sandman, Ph.D.  |   |   | 69     |   | Director of Bancorp and the Bank; Vice President, Deitsch Plastics (plastics fabricating) and Professor, University of New Haven; former Director of The Bank of New Haven. Dr. Sandman’s experience as a former director of a community bank and senior executive of a local business, which is the type of customer targeted by the Bank, makes him a valuable member of the Boards of Bancorp and the Bank. |   | 2000. To serve until 2015. |
|                      |   |   |   |   |                                                                                                                                                                                                                                                                                                                                                                                                                 |   |                       |
| James S. Brownstein, Esq. |   |   | 64     |   | Director of Bancorp, the Bank and SCB; managing partner, Law Offices of James S. Brownstein, LLC (law firm). Mr. Brownstein’s years of practicing law provide insight on legal issues for the Boards of Bancorp, the Bank and SCB.                                                                                                                                                                             |   | 2008. To serve until 2015. |
|                      |   |   |   |   |                                                                                                                                                                                                                                                                                                                                                                                                                 |   |                       |
| Joseph J. Greco           |   |   | 61     |   | Director and CEO of Bancorp, the Bank and SCB; Mr. Greco's years of experience as a Bank Director and CEO make him well suited to serve as a Director of Bancorp, the Bank and SCB.                                                                                                                                                                                                                                  |   | 2011. To serve until 2015. |

|                         |   |   |   |   |                                                                                                                                                                                                                              |   |                       |
|------------------------------|--------|--------|--------|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|----------------------------|
| Class III                    |   |   |   |   |                                                                                                                                                                                                                              |   |                       |
| Alfred J. Ranieri, Jr., M.D. |   |   | 69     |   | Director of Bancorp and the Bank; Private practice physician, New Haven, CT. Dr. Ranieri brings valuable managerial experience and local knowledge of the Bank’s primary market area to the Boards of Bancorp and the Bank. |   | 2007. To serve until 2013. |

----

|                   |   |   |   |                            |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   |
|------------------------|--------|--------|--------|---------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|
|                   |   |   |   | NON-DIRECTOR EXECUTIVE OFFICERS |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   |
|                   |   |   |   |                            |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   |
| Sunil Pallan           |   |   | 50     |                            | President of Bancorp and the Bank since April 2011.Senior Vice President and Chief Credit Officer of  the Bank since March 2008; Vice President of Loan Administration and Chief Credit Officer from January 2008 to March 2008; Vice President Loan Administration from January 2007 to January 2008; Loan Administration Manager from July 2006 to January 2007;and Assistant Vice President of Loan Administration from February 2006 to July 2006. Mr. Pallan began his career with the Bank as a Credit Analyst in October 2005. Mr. Pallan held various Executive Management positions with Kenyan banks, including First American Bank of Kenya Limited in Nairobi, Kenya. Mr. Pallan is a member of the Institute of Certified Accountants in Kenya. |   |   |
|                   |   |   |   |                            |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   |   |
| Stephen V. Ciancarelli |   |   | 57     |                            | Senior Vice President and Chief Financial Officer of Bancorp, the Bank and SCB since May 2008. Prior to May 2008, Mr. Ciancarelli spent 5 years as Senior Vice President and Chief Financial Officer with Essex Corporation, a subsidiary of John Hancock Life Insurance Company. Mr. Ciancarelli is a graduate of L.I.U.-C.W. Post in New York and holds an M.B.A. from L.I.U.-C.W. Post in New York.                                                                                                                                                                                                                                                                                                                                                                 |   |   |

----

| Name and Principal Position                                       | Year Ended |   | Salary |    |   | Bonus ($) |   |   | Stock Awards ($) |   | Option Awards ($) |   |   | All Other Compensation ($) |   | Total ($) |   |
|-------------------------------------------------------------------|------------|--------|--------|---------|--------|----------------|--------|--------|-----------------------|--------|-------------------|--------|--------|----------------------------|--------|----------------|--------|
| Joseph J. Greco (1)                                               | 2011       |   | $      | 37,692  |   |           | $      | 100    |                  |   | $                 | -      |   |                       |   | $              | -      |   |   | $ | 2,081 | (2) |   |   | $ | 39,873 |   |
| Director and Chief Executive Officer of Bancorp, the Bank and SCB |       |   |   |    |   |           |   |   |                  |   |              |   |   |
|                                                              |       |   |   |    |   |           |   |   |                  |   |              |   |   |                       |   |           |   |   |   |   |   |   |   |   |   |   |   |
| Sunil Pallan (3)                                                  | 2011       |   | $      | 164,365 |   |           | $      | 500    |                  |   | $                 | -      |   |                       |   | $              | -      |   |   | $ | 667 | (4) |   |   | $ | 165,532 |   |
| President of Bancorp and the Bank and                             | 2010       |   | $      | 140,000 |   |           | $      | 3,750  |                  |   | $                 | -      |   |                       |   | $              | -      |   |   | $ | 414 | (4) |   |   | $ | 144,164 |   |
| Chief Credit Officer of the Bank                                  |       |   |   |    |   |           |   |   |                  |   |              |   |   |                       |   |           |   |   |   |   |   |   |   |   |   |   |   |
|                                                              |       |   |   |    |   |           |   |   |                  |   |              |   |   |                       |   |           |   |   |   |   |   |   |   |   |   |   |   |
| Stephen V. Ciancarelli                                            | 2011       |   | $      | 165,000 |   |           | $      | 500    |                  |   | $                 | 4,150  | (5)    |                       |   | $              | -      |   |   | $ | 1,290 | (4) |   |   | $ | 170,940 |   |
| Senior Vice President and CFO                                     | 2010       |   | $      | 165,000 |   |           | $      | 3,750  |                  |   | $                 | 6,750  | (6)    |                       |   | $              | -      |   |   | $ | 1,290 | (4) |   |   | $ | 176,790 |   |
| of Bancorp, the Bank and SCB                                      |       |   |   |    |   |           |   |   |                  |   |              |   |   |                       |   |           |   |   |   |   |   |   |   |   |   |   |   |
|                                                              |       |   |   |    |   |           |   |   |                  |   |              |   |   |                       |   |           |   |   |   |   |   |   |   |   |   |   |   |
| John H. Howland (7)                                               | 2011       |   | $      | 67,692  |   |           | $      | -      |                  |   | $                 | -      |   |                       |   | $              | -      |   |   | $ | 188 | (4) |   |   | $ | 67,880 |   |
| Former President & Chief Operating                            | 2010       |   | $      | 200,000 |   |           | $      | 3,750  |                  |   | $                 | -      |   |                       |   | $              | -      |   |   | $ | 450 | (4) |   |   | $ | 204,200 |   |
| Officer of Bancorp and the Bank                                   |       |   |   |    |   |           |   |   |                  |   |              |   |   |                       |   |           |   |   |   |   |   |   |   |   |   |   |   |

----

----

----

| Name                         |   | Fees Earned or Paid in Cash ($) |   |   | Stock Awards ($) |   |   | Option Awards ($) |   |   | All Other Compensation ($) |   |   | Total ($) |   |
|------------------------------|--------|--------------------------------------|--------|--------|-----------------------|--------|--------|-------------------|--------|--------|----------------------------|--------|--------|-----------|--------|
| Carl R. Borrelli             |   | $                                    | 54,900 |   |                  | $      | -      |              |   | $      | -                          |   |   | $         | -      |   |   | $ | 54,900 |   |
| James S. Brownstein, Esq.    |   |                                 | 40,000 |   |                  |   | -      |              |   |   | -                          |   |   |      | -      |   |   |   | 40,000 |   |
| Elmer F. Laydon (1)          |   |                                 | 77,100 |   |                  |   | -      |              |   |   | -                          |   |   |      | -      |   |   |   | 77,100 |   |
| Alfred J. Ranieri, Jr., M.D. |   |                                 | 29,700 |   |                  |   | -      |              |   |   | -                          |   |   |      | -      |   |   |   | 29,700 |   |
| Joshua H. Sandman, Ph.D.     |   |                                 | 28,600 |   |                  |   | -      |              |   |   | -                          |   |   |      | -      |   |   |   | 28,600 |   |
| Alphonse F. Spadaro, Jr.     |   |                                 | 64,200 |   |                  |   | -      |              |   |   | -                          |   |   |      | -      |   |   |   | 64,200 |   |
|                         |   |                                 |   |   |                  |   |   |              |   |   |                       |   |   |      |   |   |   |   |   |   |

----

|         |   | Option Awards                                                            |   | Stock Awards |                      |
|--------------|--------|--------------------------------------------------------------------------|--------|--------------|---------------------------|
| Name         |   | Number of Securities Underlying Unexercised Options (#) Exercisable |   |         | Option Exercise Price ($) |   | Option Expiration Date |   | Number of Shares or Units of Stock that have not Vested (#) |   |   | Market Value of Shares or Units of Stock that have not Vested ($) |   |
| Sunil Pallan |   |                                                                     | 500    |         |                      | $ | 7.08 |   | 12/31/2015 |   |   | - |   |   | $ | - |   |
|         |   |                                                                     |   |         |                      |   |   |   |   |   |   |   |   |   |   |   |   |

|   | Name                         |   | Option Awards (#) |   |
|--------|------------------------------|--------|-------------------|--------|
|   | Carl R. Borrelli             |   |              | 21,276 |   |
|   | Elmer F. Laydon (1)          |   |              | 47,345 |   |
|   | Alfred J. Ranieri, Jr., M.D. |   |              | 18,538 |   |
|   | Joshua H. Sandman, Ph.D.     |   |              | 14,938 |   |
|   | Alphonse F. Spadaro, Jr.     |   |              | 14,203 |   |
|   |                         |   |              |   |   |

| (1)   | Elmer F. Laydon retired as Chairman of the Board and a director of Bancorp, the Bank and SCB on March 20, 2012. |
|-----------------|-----------------------------------------------------------------------------------------------------------------|

----

| ·   | authorize the granting of shares of common stock or options under the 2005 Stock Plan; |
|--------------------|----------------------------------------------------------------------------------------|

| ·   | determine and designate the employees and directors of Bancorp to receive awards under the 2005 Stock Plan;  |
|--------------------|-------------------------------------------------------------------------------------------------------------------|

| ·   | determine the type, number, price, vesting requirements and other features and conditions of individual stock awards and options under the 2005 Stock Plan; and |
|--------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------|

| ·   | interpret the 2005 Stock Plan and the various written agreements made in connection with grants of shares of common stock or options thereunder. |
|--------------------|--------------------------------------------------------------------------------------------------------------------------------------------------|

----

----

| Plan Category                                                |   | Number of  securities to be issued upon exercise of outstanding options, warrants and rights (a) |    |   |  Weighted-average   exercise price of  outstanding options,  warrants and rights(b) |   |   | Number of securities remaining available for future issuance under equity compensation plans (excluding securities reflected in column (a)) |   |
|--------------------------------------------------------------|--------|----------------------------------------------------------------------------------------------------------------------|---------|--------|--------------------------------------------------------------------------------------------------------------|--------|--------|--------------------------------------------------------------------------------------------------------------------------------------------------|--------|
|                                                         |   |                                                                                                                 |    |   |                                                                                                         |   |   |                                                                                                                                             |   |
| Equity Compensation Plans approved by security holders  |   |                                                                                                                 | 158,388 |   |                                                                                                         | $      | 7.76   |                                                                                                                                             |   |   | 336,882 |   |
|                                                         |   |                                                                                                                 |    |   |                                                                                                         |   |   |                                                                                                                                             |   |   |   |   |
| Equity Compensation Plan not approved by securityholders (1) |   |                                                                                                                 | -       |   |                                                                                                         |   | -      |                                                                                                                                             |   |   | - |   |
|                                                         |   |                                                                                                                 |    |   |                                                                                                         |   |   |                                                                                                                                             |   |   |   |   |
| Total                                                        |   |                                                                                                                 | 158,388 |   |                                                                                                         | $      | 7.76   |                                                                                                                                             |   |   | 336,882 |   |

| (1)   | Bancorp adopted a 2001 Warrant Plan and 2001 Supplemental Warrant Plan (collectively, the “Warrant Plans”) on April 11, 2001 and October 16, 2001.  Under the Warrant Plans, each non-employee director of Bancorp and each director of the Bank who was not a director of Bancorp, as of the initial public offering of Bancorp in July 2001, received a warrant to purchase one share of Bancorp Common Stock for each four shares purchased in the offering by such director or members of such director’s immediate family.  Under the 2001 Supplemental Warrant Plan, certain organizers of Bancorp who are not directors, officers or employees of Bancorp or the Bank but who made contributions to Bancorp or the Bank received a warrant to purchase one share of Bancorp Common Stock for each five shares purchased in the offering by such person or member of such person’s immediate family.  The warrants have a term of ten years.  The exercise price of the warrants is $10.39, the price at which Bancorp’s Common Stock was sold in the initial public offering, as adjusted for the January 2004 10% stock dividend and the April 2005 5% stock dividend. They became exercisable as to 40%, 30% and 30% of the shares covered thereby on the first, second and third anniversary of the closing of the initial public offering of Bancorp, respectively, and are accordingly all fully vested at this time. As of December 31, 2011, all warrants issued under the 2001 Warrant Plan and 2001 Supplemental Warrant Plan had expired. |
|-----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| Name and Address of Beneficial Owner                                                       |   |   |  Amount and Nature of Beneficial Ownership | Percentage of Class (1) |   |
|--------------------------------------------------------------------------------------------|--------|--------|-------------------------------------------------|-------------------------|--------|
| Class I                                                                                    |   |   |                                            |                    |   |   |   |
|                                                                                       |   |   |                                            |                    |   |   |   |
| Carl R. Borrelli, Director of Bancorp, the Bank and SCB                                    |   |   |                                            | 72,284                  | (2)    |   |   | 2.62 | % |
|     Treasurer                                                          |   |   |                                            |                    |   |   |   |   |   |
|     All-Brite Electric, Inc.                                           |   |   |                                            |                    |   |   |   |   |   |
|     4 Industry Drive, Ext.                                             |   |   |                                            |                    |   |   |   |   |   |
|     P.O. Box 26004                                                     |   |   |                                            |                    |   |   |   |   |   |
|     West Haven, CT 06516                                               |   |   |                                            |                    |   |   |   |   |   |
|                                                                                       |   |   |                                            |                    |   |   |   |   |   |
| Alphonse F. Spadaro, Jr., Acting Chairman of Bancorp and the Bank and Vice Chairman of SCB |   |   |                                            | 33,203                  | (3)    |   |   | 1.21 | % |
|     Managing Principal                                                 |   |   |                                            |                    |   |   |   |   |   |
|     Levitsky & Berney, PC                                          |   |   |                                            |                    |   |   |   |   |   |
|     100 Bradley Road                                                   |   |   |                                            |                    |   |   |   |   |   |
|     Woodbridge, CT 06525                                               |   |   |                                            |                    |   |   |   |   |   |

| Class II                                                        |   |   |   |   |   |   |   |
|-----------------------------------------------------------------|--------|--------|--------|--------|--------|--------|--------|
|                                                            |   |   |   |   |   |   |   |
| Joshua H. Sandman, Ph.D., Director of Bancorp and the Bank      |   |   |   | 27,841 | (4)    |   |   | 1.01 | % |
|     Vice President                          |   |   |   |   |   |   |   |   |   |
|     Deitsch Plastic Co., Inc.               |   |   |   |   |   |   |   |   |   |
|     14 Farwell Street                       |   |   |   |   |   |   |   |   |   |
|     West Haven, CT 06516                    |   |   |   |   |   |   |   |   |   |
|                                                            |   |   |   |   |   |   |   |   |   |
| James S. Browstein, Esq., Director of Bancorp, the Bank and SCB |   |   |   | 8,715  | (5)    |   |   | * |   |
|     Law Offices of James S. Brownstein, LLC |   |   |   |   |   |   |   |   |   |
|     One Bradley Road, Suite 305             |   |   |   |   |   |   |   |   |   |
|     Woodbridge, CT 06525                    |   |   |   |   |   |   |   |   |   |
|                                                            |   |   |   |   |   |   |   |   |   |
| Joseph J. Greco                                                 |   |   |   | 37,457 |   |   |   | 1.37 | % |
| Director and Chief Executive Officer of Bancorp and the Bank    |   |   |   |   |   |
| Bancorp, the Bank and SCB                                       |   |   |   |   |   |   |   |   |   |
|     215 Church Street                       |   |   |   |   |   |   |   |   |   |
|     New Haven, CT 06510                     |   |   |   |   |   |   |   |   |   |
|                                                            |   |   |   |   |   |   |   |   |   |

| Class III                                                      |   |   |   |   |   |   |   |   |   |
|----------------------------------------------------------------|--------|--------|--------|--------|--------|--------|--------|--------|--------|
|                                                           |   |   |   |   |   |   |   |   |   |
| Alfred J. Ranieri, Jr., M.D., Director of Bancorp and the Bank |   |   |   | 58,583 | (6)    |   |   | 2.13   | %      |
|     1455 Chapel Street                     |   |   |   |   |   |   |   |   |   |
|     New Haven, CT 06511                    |   |   |   |   |   |   |   |   |   |

----

| Name and Address of Beneficial Owner                                                        |   |   |  Amount and Nature of Beneficial Ownership | Percentage of Class (1) |   |
|---------------------------------------------------------------------------------------------|--------|--------|-------------------------------------------------|-------------------------|--------|
|  Non-Director Executive Officers of Bancorp and the Bank                               |   |   |                                            |                    |   |   |
|                                                                                        |   |   |                                            |                    |   |   |   |
| Sunil Pallan                                                                                |   |   |                                            | 500                     | (7)    |   |   | * |   |
| President of Bancorp and the Bank and Chief Credit Officer of the Bank                      |   |   |                                            |                    |   |
|     215 Church Street                                                   |   |   |                                            |                    |   |   |   |   |   |
|     New Haven, CT 06510                                                 |   |   |                                            |                    |   |   |   |   |   |
|                                                                                        |   |   |                                            |                    |   |   |   |   |   |
| Stephen V. Ciancarelli                                                                      |   |   |                                            | 5,000                   |   |   |   | * |   |
| Senior Vice President and Chief Financial Officer of Bancorp, the Bank and SCB              |   |
|     215 Church Street                                                   |   |   |                                            |                    |   |   |   |   |   |
|     New Haven, CT 06510                                                 |   |   |                                            |                    |   |   |   |   |   |
|                                                                                        |   |   |                                            |                    |   |   |   |   |   |
| All Bancorp directors, director nominees and the executive officers, as a group (8 persons) |   |   |                                            | 243,583                 | (8)    |   |   | 8.68 | % |
|                                                                                        |
| * Less than 1%                                                                              |

| (1)  | Percentages are based on a total of 2,735,359 shares of Common Stock outstanding on April 24, 2012. For holders of options and warrants exercisable within 60 days after April 24, 2012, the number of shares so exercisable by such holder has been added to the denominator for purposes of calculating such holder’s percentage ownership. |
|-----------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (2)  | Includes 5,967 shares of stock held by Mr. Borrelli’s spouse, 115 shares held by Mr. Borrelli’s daughter, 3,725 shares held by one of Mr. Borrelli’s sons, 1,650 shares held by another of Mr. Borrelli’s sons, and 4,986 shares held by certain of Mr. Borrelli’s grandchildren.  Also includes 21,276 shares that may be acquired within 60 days by the exercise of options. |
|-----------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (3)  | Includes 14,203 shares that may be acquired within 60 days by the exercise of options. |
|-----------|----------------------------------------------------------------------------------------|

| (4)  | Includes an aggregate of 8,142 shares of stock held by Mr. Sandman’s children, as well as 4,273 shares of stock held by the Sandman Family Trust, LLC, of which Mr. Sandman and his spouse are principals.  Also includes 14,938 shares that may be acquired within 60 days by the exercise of options. |
|-----------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (5)  | Includes 1,207 shares of stock held in trust by Mr. Brownstein’s spouse for the benefit of his son. |
|-----------|-----------------------------------------------------------------------------------------------------------|

| (6)  | Includes 18,538 shares that may be acquired within 60 days by the exercise of options. |
|-----------|----------------------------------------------------------------------------------------|

| (7)  | Represents 500 shares of stock that may be acquired within 60 days by the exercise of options. |
|-----------|------------------------------------------------------------------------------------------------|

| (8)  | Includes 69,455 shares that may be acquired within 60 days by the exercise of options. |
|-----------|----------------------------------------------------------------------------------------|

----

| Name and Address of Beneficial Owner  |   |   | Amount and Nature of Beneficial Ownership |    |   | Percent of Class (1) |   |
|---------------------------------------|--------|--------|-------------------------------------------|---------|--------|----------------------|--------|
| DellaCamera Capital Master Fund, Ltd. |   |   |                                      | 259,400 | (2     | )                    |   |   | 9.48 | % |
| 200 Park Avenue, Suite 3300           |   |   |                                      |    |   |                 |   |   |   |   |
| New York, NY 10166                    |   |   |                                      |    |   |                 |   |   |   |   |
|                                  |   |   |                                      |    |   |                 |   |   |   |   |
| M3 Partners, L.P.                     |   |   |                                      | 243,996 | (3     | )                    |   |   | 8.92 | % |
| 10 Exchange Place, Suite 510          |   |   |                                      |    |   |                 |   |   |   |   |
| Salt Lake City, UT  84111   |   |   |                                      |    |   |                 |   |   |   |   |
|                                  |   |   |                                      |    |   |                 |   |   |   |   |
| Wellington Management Company, LLP    |   |   |                                      | 234,775 | (4     | )                    |   |   | 8.58 | % |
| 280 Congress Street                   |   |   |                                      |    |   |                 |   |   |   |   |
| Boston, MA 02210                      |   |   |                                      |    |   |                 |   |   |   |   |
|                                  |   |   |                                      |    |   |                 |   |   |   |   |
| Elmer F. Laydon                       |   |   |                                      | 177,326 | (5     | )                    |   |   | 6.37 | % |
| President                             |   |   |                                      |    |   |                 |   |   |   |   |
| Elmer F. Laydon Construction Corp.    |   |   |                                      |    |   |                 |   |   |   |   |
| 69 Wheeler Street                     |   |   |                                      |    |   |                 |   |   |   |   |
| New Haven, CT 06512                   |   |   |                                      |    |   |                 |   |   |   |   |

----

|               |   | 2011   |    |   | 2010   |    |
|--------------------|--------|--------|---------|--------|--------|---------|
| Audit fees         |   | $      | 167,849 |   |   | $       | 150,774 |   |
| Audit Related Fees |   | None   |    |   |   | 145,900 |   |
| Tax fees           |   |   | 12,150  |   |   |    | 13,950 |   |
| All Other fees     |   | None   |    |   | None   |    |

----

| 2.1 | Agreement and Plan of Merger, dated as of February 22, 2010, by and among Naugatuck Valley Financial Corporation, Newco (as defined therein) and the Registrant (incorporated by reference to Exhibit 2.1 to the Registrant’s Current Report on Form 8-K filed on February 23, 2010) |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.2 | First Amendment dated as of September 17, 2010 to the Agreement and Plan of Merger, dated as of February 22, 2010, by and among Naugatuck Valley Financial Corporation, Newco (as defined therein) and Southern Connecticut Bancorp, Inc. (incorporated by reference to Exhibit 2.1 to the Registrant’s Current Report on Form 8-K filed on September 20, 2010) |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.3 | Mutual Termination Agreement, dated as of November 12, 2010, by and among Naugatuck Valley Financial Corporation, a federally chartered subsidiary holding company, Naugatuck Valley Financial Corporation, a Maryland corporation, and Southern Connecticut Bancorp, Inc., a Connecticut corporation (incorporated by reference to Exhibit 2.1 to the Registrant’s Current Report on Form 8-K filed on November 12, 2010) |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 3(i) | Amended and Restated Certificate of Incorporation of the Registrant (incorporated by reference to Exhibit 3(i) to the Registrant’s Quarterly Report on Form 10-QSB filed on August 14, 2002) |
|------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 3(ii) | By-Laws of the Registrant (incorporated by reference to Exhibit 3(ii) to the Registrant’s Current Report on Form 8-K filed on March 6, 2007) |
|-------|----------------------------------------------------------------------------------------------------------------------------------------------------|

| 10.1 | Lease, dated as of August 17, 2000, between 215 Church Street, LLC and the Registrant (incorporated by reference to Exhibit 10.1 to the Registrant’s Registration Statement on Form SB-2 filed on April 30, 2001) |
|------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 10.2   | Letter agreement dated January 3, 2001 amending the Lease between 215 Church Street, LLC and the Registrant (incorporated by reference to Exhibit 10.2 to the Registrant’s Registration Statement on Form SB-2 filed on April 30, 2001) |
|------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 10.3   | First Amendment to Lease dated March 30, 2001 between 215 Church Street, LLC and the Registrant (incorporated by reference to Exhibit 10.3 to the Registrant’s Registration Statement on Form SB-2 filed on April 30, 2001)  |
|------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 10.4   | Second Amendment to Lease dated March 31, 2001 between 215 Church Street, LLC and the Registrant (incorporated by reference to Exhibit 10.4 to the Registrant’s Registration Statement Form SB-2 filed on April 30, 2001) |
|------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 10.5   | Assignment of Lease dated April 11, 2001 between the Registrant and The Bank of Southern Connecticut (incorporated by reference to Exhibit 10.5 to the Registrant’s Registration Statement on Form SB-2 filed on April 30, 2001) |
|------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 10.6   | Lease dated August 2, 2002 between 469 West Main Street LLC and The Bank of Southern Connecticut (incorporated by reference to Exhibit 10.17 to the Registrant’s Annual Report on Form 10-KSB filed on March 30, 2004) |
|------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 10.7   | Registrant’s 2001 Stock Option Plan (incorporated by reference to Exhibit 10.8 to the Registrant’s Registration Statement on Form SB-2 filed on April 30, 2001) # |
|------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 10.8   | Registrant’s 2001 Warrant Plan (incorporated by reference to Exhibit 10.9 to the Registrant’s Registration Statement on Form SB-2 filed on April 30, 2001) # |
|------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 10.9   | Registrant’s 2001 Supplemental Warrant Plan  (incorporated by reference to Exhibit 10.12 to the Registrant’s Annual Report on Form 10-KSB filed on March 29, 2002) # |
|------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 10.10   | Registrant’s 2002 Stock Option Plan (incorporated by reference to Appendix B to the Registrant’s Definitive Proxy Statement filed on April 18, 2002) # |
|-------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 10.11   | Form of Stock Option Agreement for Non-qualified Stock Option granted under the Registrant’s 2002 Stock Option Plan (incorporated by reference to Exhibit 10.18 to the Registrant’s Quarterly Report on Form 10-QSB filed on November 15, 2004) # |
|-------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 10.12   | Form of Stock Option Agreement for Incentive Stock Option granted under the Registrant’s 2002 Stock Option Plan (incorporated by reference to Exhibit 10.19 to the Registrant’s Quarterly Report on Form 10-QSB filed on November 15, 2004) # |
|-------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 10.13   | Employment Agreement, effective January 1, 2011, by and among the Registrant and The Bank of Southern Connecticut and John H. Howland covering the period from January 1, 2011 to December 31, 2012 (incorporated by reference to Exhibit 10.1 to the Registrant’s Current Report on Form 8-K filed on December 22, 2010) # |
|-------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 10.14   | Employment Agreement, effective January 1, 2011, by and among the Registrant and The Bank of Southern Connecticut and Stephen V. Ciancarelli covering the period from January 1, 2011 to December 31, 2012 (incorporated by reference to Exhibit 10.1 to the Registrant’s Current Report on Form 8-K filed on December 22, 2010) # |
|-------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 10.15   | Employment Agreement, effective as of January 1, 2011, by and between Southern Connecticut Bancorp, Inc. and its subsidiary, The Bank of Southern Connecticut, and Sunil Pallan (incorporated by reference to Exhibit 10.1 to the Registrant’s Current Report on Form 8-K filed on April 8, 2011) # |
|-------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 10.16   | Employment Agreement, effective as of February 28, 2012, by and between Southern Connecticut Bancorp, Inc. and its subsidiary, The Bank of Southern Connecticut, and Joseph J. Greco (incorporated by reference to Exhibit 10.1 to the Registrant’s Current Report on Form 8-K filed on February 28, 2012) # |
|-------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 10.17   | Restricted Stock Agreement, dated as of February 28, 2012, by and between Southern Connecticut Bancorp, Inc. and Joseph J. Greco (incorporated by reference to Exhibit 10.1 to the Registrant’s Current Report on Form 8-K filed on February 28, 2012) # |
|-------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 10.18   | Bank of Southern Connecticut Director Retirement Plan (incorporated by reference to Exhibit 10.1 to the Registrant’s Current Report on Form 8-K filed on March 8, 2011) # |
|-------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 10.19   | 2005 Stock Option and Award Plan (incorporated by reference to Exhibit 99.1 to the Registrant’s Form S-8 filed on January 13, 2006) # |
|-------------------|---------------------------------------------------------------------------------------------------------------------------------------------|

| 10.20   | Form of Common Stock Award Agreement for Restricted Stock Awards granted under the 2005 Stock Option and Award Plan (incorporated by reference to Exhibit 99.2 to the Registrant’s Form S-8 filed on January 13, 2006) # |
|-------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 14. | Code of Ethics (incorporated by reference to Exhibit 14 to the Registrant’s Annual Report on Form 10-KSB filed on March 30, 2004) |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------|

| 21. | Subsidiaries (filed with the Original Form 10-K Filing) |
|-----|---------------------------------------------------------|

| 31.1 | Rule 13(a)-14(a)/15(d)-14(a) Certification by  Chief Executive Officer (filed herewith) |
|------|---------------------------------------------------------------------------------------------------|

| 31.2 | Rule 13(a)-14(a)/15(d)-14(a) Certification by Senior Vice President and Chief Financial Officer (filed herewith) |
|------|------------------------------------------------------------------------------------------------------------------|

| 31.3 | Rule 13(a)-14(a)/15(d)-14(a) Certification by Vice President and Chief Accounting Officer (filed herewith) |
|------|------------------------------------------------------------------------------------------------------------|

| 32.1 | Section 1350 Certification by  and Chief Executive Officer (filed herewith) |
|------|---------------------------------------------------------------------------------------|

| 32.2   | Section 1350 Certification by Senior Vice President and Chief Financial Officer (filed herewith) |
|------------------|--------------------------------------------------------------------------------------------------|

| 32.3   | Section 1350 Certification by Vice President and Chief Accounting Officer (filed herewith) |
|------------------|--------------------------------------------------------------------------------------------|

| #  | Management contract or compensatory plan or arrangement. |
|---------|----------------------------------------------------------|

| * | As provided in Rule 406T of Regulation S-T, this information is deemed not filed or part of a registration statement or prospectus for purposes of Sections 11 and 12 of the Securities Act of 1933, as amended, and is deemed not filed for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, and otherwise is not subject to liability under these sections. |
|---|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | SOUTHERN CONNECTICUT BANCORP, INC. |                           |
|--------|------------------------------------|--------------------------------|
|   | (Registrant)                       |                           |
|   |                               |                           |   |
|   | By:                                | /s/ JOSEPH J. GRECO            |   |
|   |                               | Name: Joseph J. Greco          |   |
|   |                               | Title: Chief Executive Officer |   |
|   |                               | Date: May 1, 2012              |   |

| /s/ Joseph J. Greco                               |   | May 1, 2012 |   |
|---------------------------------------------------|--------|-------------|--------|
| Joseph J. Greco                                   |   | Date        |   |
| Chief Executive Officer                           |   |        |   |
|                                              |   |        |   |
| /s/ Stephen V. Ciancarelli                        |   | May 1, 2012 |   |
| Stephen V. Ciancarelli                            |   | Date        |   |
| Senior Vice President and Chief Financial Officer |   |        |   |
|                                              |   |        |   |
| /s/ Alphonse F. Spadaro, Jr.                      |   | May 1, 2012 |   |
| Alphonse F. Spadaro, Jr.                          |   | Date        |   |
| Acting Chairman and Director                      |   |        |   |
|                                              |   |        |   |
| /s/ Carl R. Borrelli                              |   | May 1, 2012 |   |
| Carl R. Borrelli                                  |   | Date        |   |
| Director                                          |   |        |   |
|                                              |   |        |   |
| /s/ James S. Brownstein, Esq.                     |   | May 1, 2012 |   |
| James S. Brownstein, Esq.                         |   | Date        |   |
| Director                                          |   |        |   |
|                                              |   |        |   |
| /s/ Alfred J. Ranieri, Jr.                        |   | May 1, 2012 |   |
| Alfred J. Ranieri, Jr.                            |   | Date        |   |
| Director                                          |   |        |   |
|                                              |   |        |   |
| /s/ Joshua H. Sandman, Ph.D.                      |   | May 1, 2012 |   |
| Joshua H. Sandman, Ph.D.                          |   | Date        |   |
| Director                                          |   |        |   |
|                                              |   |        |   |
| /s/ Anthony M. Avellani                           |   | May 1, 2012 |   |
| Anthony M. Avellani                               |   | Date        |   |
| Vice President, Chief Accounting Officer          |   |        |   |

----