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

| ROEBLING FINANCIAL CORP, INC.                          |
|--------------------------------------------------------|
| (Exact name of Registrant as specified in its charter) |

| New Jersey                                                    |   | 55-0873295                           |
|---------------------------------------------------------------|--------|--------------------------------------|
| (State or other jurisdiction ofincorporation or organization) |   | (I.R.S. Employer Identification No.) |

| Route 130 South and Delaware Avenue, Roebling, New Jersey |   | 08554      |   |
|-----------------------------------------------------------|--------|------------|--------|
| (Address of principal executive offices)                  |   | (Zip Code) |   |

| (609) 499-9400                                             |
|------------------------------------------------------------|
| (Registrant’s telephone number, including area code) |

| NA                                                                                  |
|-------------------------------------------------------------------------------------|
| (Former name, former address and former fiscal year, if changed since last report)) |

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

| Class                       |   | Outstanding      |
|-----------------------------|--------|------------------|
| $.10 par value common stock |   | 1,686,527 shares |

----

|                                                            |                                                                                        |   | PageNumber    |
|-----------------------------------------------------------------|---------------------------------------------------------------------------------------------|--------|---------------|
|                                                            |
| PART I - FINANCIAL INFORMATION OF ROEBLING FINANCIAL CORP, INC. |
|                                                            |                                                                                        |   |          |
| Item 1.                                                         | Consolidated Financial Statements and Notes Thereto                                         |   | 1 – 13  |
| Item 2.                                                         | Management’s Discussion and Analysis of Financial Condition and Results of Operations |   | 14 – 18 |
| Item 3.                                                         | Quantitative and Qualitative Disclosures About Market Risk                                  |   | 18            |
| Item 4T.                                                        | Controls and Procedures                                                                     |   | 18            |
|                                                            |                                                                                        |   |          |
| PART II - OTHER INFORMATION                                     |
|                                                            |                                                                                        |   |          |
| Item 1.                                                         | Legal Proceedings                                                                           |   | 19            |
| Item 1A                                                         | Risk Factors                                                                                |   | 19            |
| Item 2.                                                         | Unregistered Sales of Equity Securities and Use of Proceeds                                 |   | 19            |
| Item 3.                                                         | Defaults upon Senior Securities                                                             |   | 19            |
| Item 4.                                                         | Reserved                                                                                    |   | 19            |
| Item 5.                                                         | Other Information                                                                           |   | 20            |
| Item 6.                                                         | Exhibits                                                                                    |   | 20 – 21 |
|                                                            |                                                                                        |   |          |
| SIGNATURES                                                      |                                                                                        |   | 22            |

----

|                                                                     |   | March 31, |    |   | September 30, |   |
|--------------------------------------------------------------------------|--------|-----------|---------|--------|---------------|--------|
|                                                                     |   | 2010      |    |   | 2009          |   |
|                                                                     |   |      |    |   |          |   |
| Assets                                                                   |   |      |    |   |          |   |
|                                                                     |   |      |    |   |          |   |
| Cash and due from banks                                                  |   | $         | 1,988   |   |          | $      | 2,081 |   |
| Interest-bearing deposits                                                |   |      | 1,825   |   |          |   | 1,993 |   |
|      Total cash and cash equivalents            |   |      | 3,813   |   |          |   | 4,074 |   |
|                                                                     |   |      |    |   |          |   |   |   |
| Securities available for sale                                            |   |      | 39,583  |   |          |   | 41,418 |   |
| Securities held to maturity                                              |   |      | 138     |   |          |   | 148 |   |
| Loans receivable, net                                                    |   |      | 114,495 |   |          |   | 118,428 |   |
| Real estate owned                                                        |   |      | 1,285   |   |          |   | 1,203 |   |
| Accrued interest receivable                                              |   |      | 578     |   |          |   | 609 |   |
| Federal Home Loan Bank of New York stock, at cost                        |   |      | 994     |   |          |   | 859 |   |
| Premises and equipment                                                   |   |      | 3,276   |   |          |   | 3,294 |   |
| Other assets                                                             |   |      | 4,315   |   |          |   | 2,313 |   |
|      Total assets                               |   | $         | 168,477 |   |          | $      | 172,346 |   |
|                                                                     |   |      |    |   |          |   |   |   |
| Liabilities and Stockholders' Equity                                     |   |      |    |   |          |   |   |   |
|                                                                     |   |      |    |   |          |   |   |   |
| Liabilities                                                              |   |      |    |   |          |   |   |   |
|                                                                     |   |      |    |   |          |   |   |   |
| Deposits                                                                 |   | $         | 134,631 |   |          | $      | 141,218 |   |
| Borrowed funds                                                           |   |      | 16,000  |   |          |   | 13,000 |   |
| Advances from borrowers for taxes and insurance                          |   |      | 489     |   |          |   | 493 |   |
| Other liabilities                                                        |   |      | 1,384   |   |          |   | 1,368 |   |
|      Total liabilities                          |   |      | 152,504 |   |          |   | 156,079 |   |
|                                                                     |   |      |    |   |          |   |   |   |
| Stockholders' equity                                                     |   |      |    |   |          |   |   |   |
|                                                                     |   |      |    |   |          |   |   |   |
| Serial preferred stock, $0.10 par value; 5,000,000 shares authorized;    |   |      |    |   |          |
|   none issued                                                  |   |      | -       |   |          |   | - |   |
| Common stock; $0.10 par value; 20,000,000 shares authorized;             |   |      |    |   |          |
|   1,718,473 issued                                             |   |      | 172     |   |          |   | 172 |   |
| Additional paid-in-capital                                               |   |      | 10,368  |   |          |   | 10,380 |   |
| Treasury stock; 31,946 shares, at cost                                   |   |      | (190    | )      |          |   | (190 | ) |
| Unallocated employee stock ownership plan shares                         |   |      | (349    | )      |          |   | (388 | ) |
| Unallocated restricted stock plan shares                                 |   |      | (102    | )      |          |   | (97 | ) |
| Deferred compensation obligation                                         |   |      | 229     |   |          |   | 187 |   |
| Stock purchased for deferred compensation plan                           |   |      | (229    | )      |          |   | (187 | ) |
| Retained earnings - substantially restricted                             |   |      | 5,485   |   |          |   | 5,727 |   |
| Accumulated other comprehensive income (loss):                           |   |      |    |   |          |   |   |   |
|   Unrealized gain on securities available for sale, net of tax |   |      | 716     |   |          |   | 798 |   |
|   Defined benefit plan, net of tax                             |   |      | (127    | )      |          |   | (135 | ) |
|      Total stockholders' equity                 |   |      | 15,973  |   |          |   | 16,267 |   |
|                                                                     |   |      |    |   |          |   |   |   |
|      Total liabilities and stockholders' equity |   | $         | 168,477 |   |          | $      | 172,346 |   |

| See notes to unaudited consolidated financial statements. |
|-----------------------------------------------------------|

----

|                                                                                                |   |  For the Three Months Ended |   |
|-----------------------------------------------------------------------------------------------------|--------|----------------------------------|--------|
|                                                                                                |   |  March 31,                  |   |
|                                                                                                |   | 2010                             |   |   | 2009 |   |
|                                                                                                |   |                             |   |   |   |   |
| Interest income:                                                                                    |   |                             |   |   |   |   |
|    Loans receivable                                                                  |   | $                                | 1,553  |   |   | $ | 1,596 |   |
|    Securities                                                                        |   |                             | 384    |   |   |   | 568 |   |
|    Other interest-earning assets                                                     |   |                             | 12     |   |   |   | 4 |   |
|         Total interest income                               |   |                             | 1,949  |   |   |   | 2,168 |   |
|                                                                                                |   |                             |   |   |   |   |   |   |
| Interest expense:                                                                                   |   |                             |   |   |   |   |   |   |
|    Deposits                                                                          |   |                             | 482    |   |   |   | 693 |   |
|    Borrowed funds                                                                    |   |                             | 88     |   |   |   | 106 |   |
|         Total interest expense                              |   |                             | 570    |   |   |   | 799 |   |
|                                                                                                |   |                             |   |   |   |   |   |   |
| Net interest income before provision for loan losses                                                |   |                             | 1,379  |   |   |   | 1,369 |   |
| Provision for loan losses                                                                           |   |                             | 325    |   |   |   | 1,025 |   |
|         Net interest income after provision for loan losses |   |                             | 1,054  |   |   |   | 344 |   |
|                                                                                                |   |                             |   |   |   |   |   |   |
| Non-interest income:                                                                                |   |                             |   |   |   |   |   |   |
|    Loan fees                                                                         |   |                             | 17     |   |   |   | 23 |   |
|    Account servicing and other                                                       |   |                             | 100    |   |   |   | 97 |   |
|    Gain on sale of loans                                                             |   |                             | 1      |   |   |   | 9 |   |
|    Gain on sale of securities                                                        |   |                             | -      |   |   |   | 140 |   |
|         Total non-interest income                           |   |                             | 118    |   |   |   | 269 |   |
|                                                                                                |   |                             |   |   |   |   |   |   |
| Non-interest expense:                                                                               |   |                             |   |   |   |   |   |   |
|    Compensation and benefits                                                         |   |                             | 567    |   |   |   | 614 |   |
|    Occupancy and equipment                                                           |   |                             | 136    |   |   |   | 148 |   |
|    Service bureau and data processing                                                |   |                             | 135    |   |   |   | 137 |   |
|    Federal deposit insurance premiums                                                |   |                             | 76     |   |   |   | 56 |   |
|    Real estate and repossessed asset expense, net                                    |   |                             | 301    |   |   |   | 1 |   |
|    Other expense                                                                     |   |                             | 239    |   |   |   | 219 |   |
|         Total non-interest expense                          |   |                             | 1,454  |   |   |   | 1,175 |   |
|                                                                                                |   |                             |   |   |   |   |   |   |
|         Loss before income tax benefit                      |   |                             | (282   | ) |   |   | (562 | ) |
| Income tax benefit                                                                                  |   |                             | (121   | ) |   |   | (232 | ) |
|         Net loss                                            |   |                             | (161   | ) |   |   | (330 | ) |
|                                                                                                |   |                             |   |   |   |   |   |   |
| Other comprehensive income (loss), net of tax:                                                      |   |                             |   |   |   |   |   |   |
|    Unrealized gain (loss) on securities available for sale, net of tax               |   |                             | (66    | ) |   |   | 131 |   |
|    Adjustment to minimum pension liability                                           |   |                             | 4      |   |   |   | 7 |   |
| Comprehensive loss                                                                                  |   | $                                | (223   | ) |   | $ | (192 | ) |
|                                                                                                |   |                             |   |   |   |   |   |   |
| Loss per common share:                                                                              |   |                             |   |   |   |   |   |   |
|   Basic                                                                                   |   | $                                | (0.10  | ) |   | $ | (0.20 | ) |
|   Diluted                                                                                 |   | $                                | (0.10  | ) |   | $ | (0.20 | ) |
|                                                                                                |   |                             |   |   |   |   |   |   |
| Weighted average number of shares outstanding:                                                      |   |                             |   |   |   |   |   |   |
|   Basic                                                                                   |   |                             | 1,644  |   |   |   | 1,667 |   |
|   Diluted                                                                                 |   |                             | 1,644  |   |   |   | 1,668 |   |

----

|                                                                                                |   |  For the Six Months Ended |   |
|-----------------------------------------------------------------------------------------------------|--------|--------------------------------|--------|
|                                                                                                |   |  March 31,                |   |
|                                                                                                |   | 2010                           |   |   | 2009 |   |
|                                                                                                |   |                           |   |   |   |   |
| Interest income:                                                                                    |   |                           |   |   |   |   |
|    Loans receivable                                                                  |   | $                              | 3,166  |   |   | $ | 3,252 |   |
|    Securities                                                                        |   |                           | 800    |   |   |   | 1,060 |   |
|    Other interest-earning assets                                                     |   |                           | 24     |   |   |   | 19 |   |
|         Total interest income                               |   |                           | 3,990  |   |   |   | 4,331 |   |
|                                                                                                |   |                           |   |   |   |   |   |   |
| Interest expense:                                                                                   |   |                           |   |   |   |   |   |   |
|    Deposits                                                                          |   |                           | 1,027  |   |   |   | 1,415 |   |
|    Borrowed funds                                                                    |   |                           | 192    |   |   |   | 175 |   |
|         Total interest expense                              |   |                           | 1,219  |   |   |   | 1,590 |   |
|                                                                                                |   |                           |   |   |   |   |   |   |
| Net interest income before provision for loan losses                                                |   |                           | 2,771  |   |   |   | 2,741 |   |
| Provision for loan losses                                                                           |   |                           | 750    |   |   |   | 1,095 |   |
|         Net interest income after provision for loan losses |   |                           | 2,021  |   |   |   | 1,646 |   |
|                                                                                                |   |                           |   |   |   |   |   |   |
| Non-interest income:                                                                                |   |                           |   |   |   |   |   |   |
|    Loan fees                                                                         |   |                           | 38     |   |   |   | 35 |   |
|    Account servicing and other                                                       |   |                           | 208    |   |   |   | 209 |   |
|    Gain on sale of loans                                                             |   |                           | 3      |   |   |   | 9 |   |
|    Gain on sale of securities                                                        |   |                           | -      |   |   |   | 140 |   |
|         Total non-interest income                           |   |                           | 249    |   |   |   | 393 |   |
|                                                                                                |   |                           |   |   |   |   |   |   |
| Non-interest expense:                                                                               |   |                           |   |   |   |   |   |   |
|    Compensation and benefits                                                         |   |                           | 1,149  |   |   |   | 1,289 |   |
|    Occupancy and equipment                                                           |   |                           | 277    |   |   |   | 293 |   |
|    Service bureau and data processing                                                |   |                           | 273    |   |   |   | 275 |   |
|    Federal deposit insurance premiums                                                |   |                           | 158    |   |   |   | 81 |   |
|    Real estate and repossessed asset expense, net                                    |   |                           | 331    |   |   |   | 5 |   |
|    Other expense                                                                     |   |                           | 509    |   |   |   | 432 |   |
|         Total non-interest expense                          |   |                           | 2,697  |   |   |   | 2,375 |   |
|                                                                                                |   |                           |   |   |   |   |   |   |
|         Loss before income tax benefit                      |   |                           | (427   | ) |   |   | (336 | ) |
| Income tax benefit                                                                                  |   |                           | (185   | ) |   |   | (153 | ) |
|         Net loss                                            |   |                           | (242   | ) |   |   | (183 | ) |
|                                                                                                |   |                           |   |   |   |   |   |   |
| Other comprehensive income (loss), net of tax:                                                      |   |                           |   |   |   |   |   |   |
|    Unrealized gain (loss) on securities available for sale, net of tax               |   |                           | (82    | ) |   |   | 504 |   |
|    Adjustment to minimum pension liability                                           |   |                           | 8      |   |   |   | 20 |   |
| Comprehensive income (loss)                                                                         |   | $                              | (316   | ) |   | $ | 341 |   |
|                                                                                                |   |                           |   |   |   |   |   |   |
| Loss per common share:                                                                              |   |                           |   |   |   |   |   |   |
|   Basic                                                                                   |   | $                              | (0.15  | ) |   | $ | (0.11 | ) |
|   Diluted                                                                                 |   | $                              | (0.15  | ) |   | $ | (0.11 | ) |
|                                                                                                |   |                           |   |   |   |   |   |   |
| Weighted average number of shares outstanding:                                                      |   |                           |   |   |   |   |   |   |
|   Basic                                                                                   |   |                           | 1,643  |   |   |   | 1,666 |   |
|   Diluted                                                                                 |   |                           | 1,643  |   |   |   | 1,667 |   |

----

|                                   |   |   |   |    | Additional |   |     |   |   | Unallocated |   |   | Unallocated |   |   | Deferred     |       |   | CommonStock for |         |   |     |     |   | AccumulatedOther    |          |   |   |   |
|----------------------------------------|--------|--------|--------|---------|------------|--------|----------|--------|--------|-------------|--------|--------|-------------|--------|--------|--------------|------------|--------|-----------------|--------------|--------|----------|----------|--------|---------------------|---------------|--------|--------|--------|
|                                   |   | Common |   | Paid-in |       |   | Treasury |   |   | ESOP        |   |   | RSP         |   |   | Compensation |       |   | Deferred        |         |   | Retained |     |   |  Comprehensive |          |   |   |
|                                   |   | Stock  |   |    | Capital    |   |     | Stock  |   |        | Shares |   |        | Shares |   |         | Obligation |   |            | Compensation |   |     | Earnings |   |                | Income (Loss) |   |   | Total  |   |
|                                   |   |   |   |    |       |   |     |   |   |        |   |   |        |   |   |         |       |   |            |         |   |     |     |   |                |          |   |   |   |   |
| Balance at September 30, 2009          |   | $      | 172    |    |       | $      | 10,380   |   |   | $           | (190   | )      |        | $      | (388   | )            |       | $      | (97             | )            |   | $        | 187      |   |                | $             | (187   | )      |   | $ | 5,727 |   |   | $ | 663 |   |   | $ | 16,267 |   |
|                                   |   |   |   |    |       |   |     |   |   |        |   |   |        |   |   |         |       |   |            |         |   |     |     |   |                |          |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net loss for the six months            |   |   |   |    |       |   |     |   |   |        |   |   |        |   |   |         |       |   |            |         |   |     |     |   |                |          |   |   |   |   |   |   |   |   |   |   |   |
|   ended March 31, 2010       |   |   | -      |    |       |   | -        |   |   |        | -      |   |        |   | -      |         |       |   | -               |         |   |     | -        |   |                |          | -      |   |   |   | (242 | ) |   |   | - |   |   |   | (242 | ) |
|                                   |   |   |   |    |       |   |     |   |   |        |   |   |        |   |   |         |       |   |            |         |   |     |     |   |                |          |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Amortization of ESOP shares            |   |   | -      |    |       |   | (18      | )      |   |        | -      |   |        |   | 39     |         |       |   | -               |         |   |     | -        |   |                |          | -      |   |   |   | - |   |   |   | - |   |   |   | 21 |   |
|                                   |   |   |   |    |       |   |     |   |   |        |   |   |        |   |   |         |       |   |            |         |   |     |     |   |                |          |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Change in unrealized gain (loss)       |   |   |   |    |       |   |     |   |   |        |   |   |        |   |   |         |       |   |            |         |   |     |     |   |                |          |   |   |   |   |   |   |   |
| on securities available for sale,      |   |   |   |    |       |   |     |   |   |        |   |   |        |   |   |         |       |   |            |         |   |     |     |   |                |          |   |   |   |   |   |   |   |
|   net of tax                 |   |   | -      |    |       |   | -        |   |   |        | -      |   |        |   | -      |         |       |   | -               |         |   |     | -        |   |                |          | -      |   |   |   | - |   |   |   | (82 | ) |   |   | (82 | ) |
|                                   |   |   |   |    |       |   |     |   |   |        |   |   |        |   |   |         |       |   |            |         |   |     |     |   |                |          |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Deferred compensation plan             |   |   | -      |    |       |   | -        |   |   |        | -      |   |        |   | -      |         |       |   | -               |         |   |     | 42       |   |                |          | -      |   |   |   | - |   |   |   | - |   |   |   | 42 |   |
|                                   |   |   |   |    |       |   |     |   |   |        |   |   |        |   |   |         |       |   |            |         |   |     |     |   |                |          |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Common stock acquired for              |   |   |   |    |       |   |     |   |   |        |   |   |        |   |   |         |       |   |            |         |   |     |     |   |                |          |   |   |   |   |   |   |   |   |   |   |   |
|   deferred compensation plan |   |   | -      |    |       |   | -        |   |   |        | -      |   |        |   | -      |         |       |   | -               |         |   |     | -        |   |                |          | (42    | )      |   |   | - |   |   |   | - |   |   |   | (42 | ) |
|                                   |   |   |   |    |       |   |     |   |   |        |   |   |        |   |   |         |       |   |            |         |   |     |     |   |                |          |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Allocation of RSP shares               |   |   | -      |    |       |   | 9        |   |   |        | -      |   |        |   | -      |         |       |   | (5              | )            |   |     | -        |   |                |          | -      |   |   |   | - |   |   |   | - |   |   |   | 4 |   |
|                                   |   |   |   |    |       |   |     |   |   |        |   |   |        |   |   |         |       |   |            |         |   |     |     |   |                |          |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Tax expense of stock benefit plans     |   |   | -      |    |       |   | (3       | )      |   |        | -      |   |        |   | -      |         |       |   | -               |         |   |     | -        |   |                |          | -      |   |   |   | - |   |   |   | - |   |   |   | (3 | ) |
|                                   |   |   |   |    |       |   |     |   |   |        |   |   |        |   |   |         |       |   |            |         |   |     |     |   |                |          |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Adjustment to mimimum pension          |   |   |   |    |       |   |     |   |   |        |   |   |        |   |   |         |       |   |            |         |   |     |     |   |                |          |   |   |   |   |   |   |   |
|   liability, net of tax      |   |   | -      |    |       |   | -        |   |   |        | -      |   |        |   | -      |         |       |   | -               |         |   |     | -        |   |                |          | -      |   |   |   | - |   |   |   | 8 |   |   |   | 8 |   |
|                                   |   |   |   |    |       |   |     |   |   |        |   |   |        |   |   |         |       |   |            |         |   |     |     |   |                |          |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Balance at March 31, 2010              |   | $      | 172    |    |       | $      | 10,368   |   |   | $           | (190   | )      |        | $      | (349   | )            |       | $      | (102            | )            |   | $        | 229      |   |                | $             | (229   | )      |   | $ | 5,485 |   |   | $ | 589 |   |   | $ | 15,973 |   |
|                                   |   |   |   |    |       |   |     |   |   |        |   |   |        |   |   |         |       |   |            |         |   |     |     |   |                |          |   |   |   |   |   |   |   |   |   |   |   |   |   |   |

----

|                                                                                                                                                                  |   |  For the Six Months Ended |   |
|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|--------------------------------|--------|
|                                                                                                                                                                  |   |  March 31,                |   |
|                                                                                                                                                                  |   | 2010                           |   |   | 2009 |   |
|                                                                                                                                                                  |   |                           |   |   |   |   |
| Cash flows from operating activities:                                                                                                                                 |   |                           |   |   |   |   |
|    Net loss                                                                                                                                            |   | $                              | (242   | ) |   | $ | (183 | ) |
| Adjustments to reconcile net loss to cash (used in) provided by                                                                                                       |   |                           |   |   |   |
|      operating activities:                                                                                                                   |   |                           |   |   |   |   |   |   |
|          Depreciation                                                                                                    |   |                           | 89     |   |   |   | 128 |   |
|          Amortization of premiums and discounts, net                                                                     |   |                           | 37     |   |   |   | (3 | ) |
|          Amortization of deferred loan fees and costs, net                                                               |   |                           | 7      |   |   |   | (8 | ) |
|          Provision for loan losses                                                                                       |   |                           | 750    |   |   |   | 1,095 |   |
|          Provision for losses on REO                                                                                     |   |                           | 246    |   |   |   | - |   |
|          Gain on securities available for sale                                                                           |   |                           | -      |   |   |   | (140 | ) |
|          Gain on sale of loans                                                                                           |   |                           | (3     | ) |   |   | (9 | ) |
|          Originations of loans held for sale, net of repayments                                                          |   |                           | (714   | ) |   |   | (1,446 | ) |
|          Proceeds from sale of loans held for sale                                                                       |   |                           | 717    |   |   |   | 1,455 |   |
|          Loss on sale of real estate owned                                                                               |   |                           | 17     |   |   |   | - |   |
|          Increase in other assets                                                                                        |   |                           | (1,956 | ) |   |   | (450 | ) |
|          Decrease in accrued interest receivable                                                                         |   |                           | 31     |   |   |   | 23 |   |
|          Increase (decrease) in other liabilities                                                                        |   |                           | 30     |   |   |   | (84 | ) |
|          Amortization/allocation of ESOP and RSP                                                                         |   |                           | 24     |   |   |   | 40 |   |
|          Increase in deferred compensation stock obligation                                                              |   |                           | 42     |   |   |   | 13 |   |
|                    Net cash (used in) provided by operating activities |   |                           | (925   | ) |   |   | 431 |   |
|                                                                                                                                                                  |   |                           |   |   |   |   |   |   |
| Cash flows from investing activities:                                                                                                                                 |   |                           |   |   |   |   |   |   |
|     Purchase of securities available for sale                                                                                                     |   |                           | (9,041 | ) |   |   | (20,039 | ) |
|     Proceeds from sales of securities available for sale                                                                                          |   |                           | -      |   |   |   | 3,140 |   |
|     Proceeds from payments and maturities of securities available for sale                                                                        |   |                           | 10,703 |   |   |   | 9,118 |   |
|     Proceeds from payments and maturities of securities held to maturity                                                                          |   |                           | 10     |   |   |   | 10 |   |
|     Net decrease (increase) in loans                                                                                                              |   |                           | 2,485  |   |   |   | (12,022 | ) |
|     Proceeds from sale of real estate owned                                                                                                       |   |                           | 347    |   |   |   | - |   |
|     Purchase of Federal Home Loan Bank stock                                                                                                      |   |                           | (135   | ) |   |   | (743 | ) |
|     Purchase of premises and equipment                                                                                                            |   |                           | (72    | ) |   |   | (24 | ) |
|                    Net cash provided by (used in) investing activities |   |                           | 4,297  |   |   |   | (20,560 | ) |
|                                                                                                                                                                  |   |                           |   |   |   |   |   |   |
| Cash flows from financing activities:                                                                                                                                 |   |                           |   |   |   |   |   |   |
|     Net (decrease) increase in deposits                                                                                                           |   |                           | (6,587 | ) |   |   | 619 |   |
|     Net increase in short-term borrowed funds                                                                                                     |   |                           | 7,000  |   |   |   | 8,500 |   |
|     (Repayment of) proceeds from long-term borrowed funds                                                                                         |   |                           | (4,000 | ) |   |   | 8,000 |   |
|   (Decrease) increase in advance payments by borrowers for taxes                                                                                            |   |                           |   |   |   |
|        and insurance                                                                                                               |   |                           | (4     | ) |   |   | 28 |   |
|     Dividends paid                                                                                                                                |   |                           | -      |   |   |   | (166 | ) |
|     Purchase of common shares for deferred compensation plan                                                                                      |   |                           | (42    | ) |   |   | (13 | ) |
|                    Net cash (used in) provided by financing activities |   |                           | (3,633 | ) |   |   | 16,968 |   |
|                                                                                                                                                                  |   |                           |   |   |   |   |   |   |
|     Net decrease in cash and cash equivalents                                                                                                     |   |                           | (261   | ) |   |   | (3,161 | ) |
|     Cash and cash equivalents at beginning of period                                                                                              |   |                           | 4,074  |   |   |   | 6,355 |   |
|     Cash and cash equivalents at end of period                                                                                                    |   | $                              | 3,813  |   |   | $ | 3,194 |   |
|                                                                                                                                                                  |   |                           |   |   |   |   |   |   |
| Supplemental Disclosures of Cash Flow Information:                                                                                                                    |   |                           |   |   |   |   |   |   |
|     Cash paid for:                                                                                                                                |   |                           |   |   |   |   |   |   |
|         Interest on deposits and borrowed funds                                                                               |   | $                              | 1,217  |   |   | $ | 1,587 |   |
|         Income taxes                                                                                                          |   |                           | -      |   |   |   | 226 |   |
|                                                                                                                                                                  |   |                           |   |   |   |   |   |   |
|     Transfer of loans to real estate owned                                                                                                        |   |                           | 691    |   |   |   | - |   |

----

|                                             |   |   Three Months Ended |      |  Six Months Ended |            |
|--------------------------------------------------|--------|---------------------------|-----------|------------------------|-----------------|
|                                             |   |  March 31,           |      |                   |  March 31, |   |
|                                             |   | 2010                      |      |                   | 2009            |   |   | 2010 |   |   | 2009 |   |
|                                             |   |                      |      |                   |            |   |   |   |   |   |   |   |
| Net loss                                         |   | $                         | (160,696  | )                      |            | $ | (329,799 | ) |   | $ | (241,879 | ) |   | $ | (182,865 | ) |
|                                             |   |                      |      |                   |            |   |   |   |   |   |   |   |   |   |   |   |
| Weighted average common shares                   |   |                      |      |                   |            |   |   |   |   |   |   |   |   |   |   |   |
|   outstanding for computation of       |   |                      |      |                   |            |   |   |   |   |   |   |   |   |   |   |   |
|   basic EPS (1)                        |   |                      | 1,644,206 |                   |            |   | 1,667,002 |   |   |   | 1,643,063 |   |   |   | 1,665,858 |   |
|                                             |   |                      |      |                   |            |   |   |   |   |   |   |   |   |   |   |   |
| Common-equivalent shares due to                  |   |                      |      |                   |            |   |   |   |   |   |   |   |   |   |   |   |
|   the dilutive effect of stock options |   |                      |      |                   |            |   |   |   |   |   |   |   |   |   |   |   |
|   and RSP awards                       |   |                      | -         |                   |            |   | 997 |   |   |   | - |   |   |   | 1,274 |   |
|                                             |   |                      |      |                   |            |   |   |   |   |   |   |   |   |   |   |   |
| Weighted-average common shares                   |   |                      |      |                   |            |   |   |   |   |   |   |   |   |   |   |   |
|   for computation of diluted EPS       |   |                      | 1,644,206 |                   |            |   | 1,667,999 |   |   |   | 1,643,063 |   |   |   | 1,667,132 |   |
|                                             |   |                      |      |                   |            |   |   |   |   |   |   |   |   |   |   |   |
| Loss per common share:                           |   |                      |      |                   |            |   |   |   |   |   |   |   |   |   |   |   |
|    Basic                          |   | $                         | (0.10     | )                      |            | $ | (0.20 | ) |   | $ | (0.15 | ) |   | $ | (0.11 | ) |
|    Diluted                        |   |                      | (0.10     | )                      |            |   | (0.20 | ) |   |   | (0.15 | ) |   |   | (0.11 | ) |
|                                             |   |                      |      |                   |            |   |   |   |   |   |   |   |   |   |   |   |
| (1) Excludes unallocated ESOP shares             |   |                      |      |                   |            |   |   |   |   |   |   |   |   |   |   |   |

----

|                                                                       |   |  March 31, 2010 |       |
|----------------------------------------------------------------------------|--------|----------------------|------------|
|                                                                       |   | Amortized            |       |   |  Gross Unrealized |   |   | Estimated |   |
|                                                                       |   | Cost                 |       |   | Gains |   |   | Losses |   |   | Fair Value |   |
|                                                                       |   |                 |       |   |   |   |   |   |   |   |   |   |
|    U.S. Government and Agency Securities:                   |   |                 |       |   |   |   |   |   |   |   |   |   |
|       Due within one year                    |   | $                    | -          |   |   | $ | - |   |   | $ | - |   |   | $ | - |   |
|       Due after one year through five years  |   |                 | 5,500,000  |   |   |   | 17,275 |   |   |   | 9,370 |   |   |   | 5,507,905 |   |
|       Due after five years through ten years |   |                 | 3,000,000  |   |   |   | - |   |   |   | 22,180 |   |   |   | 2,977,820 |   |
|                                                                       |   |                 |       |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    Marketable Equity Securities                             |   |                 | 2,888      |   |   |   | - |   |   |   | 2,468 |   |   |   | 420 |   |
|                                                                       |   |                 |       |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    Residential Mortgage-Backed Securities                   |   |                 | 29,887,031 |   |   |   | 1,217,811 |   |   |   | 8,337 |   |   |   | 31,096,505 |   |
|                                                                       |   |                 |       |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                       |   | $                    | 38,389,919 |   |   | $ | 1,235,086 |   |   | $ | 42,355 |   |   | $ | 39,582,650 |   |
|                                                                       |   |                 |       |   |   |   |   |   |   |   |   |   |   |   |   |   |

|                                                                       |   |  September 30, 2009 |       |
|----------------------------------------------------------------------------|--------|--------------------------|------------|
|                                                                       |   | Amortized                |       |   |  Gross Unrealized |   |   | Estimated |   |
|                                                                       |   | Cost                     |       |   | Gains |   |   | Losses |   |   | Fair Value |   |
|                                                                       |   |                     |       |   |   |   |   |   |   |   |   |   |
|    U.S. Government and Agency Securities:                   |   |                     |       |   |   |   |   |   |   |   |   |   |
|       Due within one year                    |   | $                        | 1,000,000  |   |   | $ | 2,190 |   |   | $ | - |   |   | $ | 1,002,190 |   |
|       Due after one year through five years  |   |                     | 3,000,000  |   |   |   | 26,693 |   |   |   | - |   |   |   | 3,026,693 |   |
|       Due after five years through ten years |   |                     | 1,500,000  |   |   |   | 735 |   |   |   | 1,875 |   |   |   | 1,498,860 |   |
|                                                                       |   |                     |       |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    Marketable Equity Securities                             |   |                     | 2,888      |   |   |   | - |   |   |   | 2,280 |   |   |   | 608 |   |
|                                                                       |   |                     |       |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    Residential Mortgage-Backed Securities                   |   |                     | 34,586,103 |   |   |   | 1,308,181 |   |   |   | 4,856 |   |   |   | 35,889,428 |   |
|                                                                       |   |                     |       |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                       |   | $                        | 40,088,991 |   |   | $ | 1,337,799 |   |   | $ | 9,011 |   |   | $ | 41,417,779 |   |
|                                                                       |   |                     |       |   |   |   |   |   |   |   |   |   |   |   |   |   |

----

|                                                                     |   | March 31, 2010 |      |
|--------------------------------------------------------------------------|--------|----------------|-----------|
|                                                                     |   | Under One Year |      |   | One Year or More |   |
|                                                                     |   |           |      |   | Gross |   |   |   |   |   | Gross |   |
|                                                                     |   | Estimated      |      |   | Unrealized |   |   | Estimated |   |   | Unrealized |   |
|                                                                     |   | Fair Value     |      |   | Loss |   |   | Fair Value |   |   | Loss |   |
|                                                                     |   |           |      |   |   |   |   |   |   |   |   |   |
| U.S. Government and Agency Securities                                    |   | $              | 4,968,450 |   |   | $ | 31,550 |   |   | $ | - |   |   | $ | - |   |
| Marketable Equity Securities                                             |   |           | -         |   |   |   | - |   |   |   | 420 |   |   |   | 2,468 |   |
| Residential Mortgage-Backed Securities                                   |   |           | 1,879,082 |   |   |   | 8,337 |   |   |   | - |   |   |   | - |   |
|                                                                     |   |           |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
|         Total available for sale |   | $              | 6,847,532 |   |   | $ | 39,887 |   |   | $ | 420 |   |   | $ | 2,468 |   |
|                                                                     |   |           |      |   |   |   |   |   |   |   |   |   |   |   |   |   |

|                                                                     |   |  September 30, 2009 |      |
|--------------------------------------------------------------------------|--------|--------------------------|-----------|
|                                                                     |   |  Under One Year     |      |   |  One Year or More |   |
|                                                                     |   |                     |      |   | Gross |   |   |   |   |   | Gross |   |
|                                                                     |   | Estimated                |      |   | Unrealized |   |   | Estimated |   |   | Unrealized |   |
|                                                                     |   | Fair Value               |      |   | Loss |   |   | Fair Value |   |   | Loss |   |
|                                                                     |   |                     |      |   |   |   |   |   |   |   |   |   |
| U.S. Government and Agency Securities                                    |   | $                        | 748,125   |   |   | $ | 1,875 |   |   | $ | - |   |   | $ | - |   |
| Marketable Equity Securities                                             |   |                     | -         |   |   |   | - |   |   |   | 608 |   |   |   | 2,280 |   |
| Residential Mortgage-Backed Securities                                   |   |                     | 954,049   |   |   |   | 4,856 |   |   |   | - |   |   |   | - |   |
|                                                                     |   |                     |      |   |   |   |   |   |   |   |   |   |   |   |   |   |
|         Total available for sale |   | $                        | 1,702,174 |   |   | $ | 6,731 |   |   | $ | 608 |   |   | $ | 2,280 |   |
|                                                                     |   |                     |      |   |   |   |   |   |   |   |   |   |   |   |   |   |

|                                      |   | March 31, |    |   | September 30, |   |
|-------------------------------------------|--------|-----------|---------|--------|---------------|--------|
|                                      |   | 2010      |    |   | 2009          |   |
|                                      |   |      |    |   |          |   |
| Residential Mortgage-Backed Securities:   |   |      |    |   |          |   |
|    Amortized cost          |   | $         | 137,775 |   |          | $      | 148,011 |   |
|    Gross unrealized gains  |   |      | 3,969   |   |          |   | 1,823 |   |
|    Gross unrealized losses |   |      | -       |   |          |   | - |   |
|                                      |   |      |    |   |          |   |   |   |
|    Estimated fair value    |   | $         | 141,744 |   |          | $      | 149,834 |   |

----

|                           |   |      |    |   | Weighted |   |
|--------------------------------|--------|-----------|---------|--------|----------|--------|
|                           |   |      |    |   | Average  |   |
|                           |   | Number of |    |   | Exercise |   |
|                           |   | Shares    |    |   | Price    |   |
|                           |   |      |    |   |     |   |
| Outstanding September 30, 2009 |   |      | 106,242 |   |     | $      | 11.323 |   |
| Forfeited                      |   |      | (3,000  | )      |     |   | 12.725 |   |
| Outstanding March 31, 2010     |   |      | 103,242 |   |     | $      | 11.283 |   |

|                                                         |   |                                                         |   | Weighted Average |
|--------------------------------------------------------------|--------|--------------------------------------------------------------|--------|------------------|
| Number                                                       |   |  Exercise                                               |   | Remaining        |
| of Shares                                                    |   |  Price                                                  |   | Contractual Life |
|                                                         |   |                                                         |   |             |
|          54,642 |   |  $      10.000            |   | 5.8 years        |
|          48,600 |   |          12.725 |   | 6.4 years        |
|                                                         |   |                                                         |   |             |
|        103,242            |   |  $      11.283            |   | 6.1 years        |

----

|                           |   |      |   |   |       |   |
|--------------------------------|--------|-----------|--------|--------|------------|--------|
|                           |   |      |   |   | Weighted   |   |
|                           |   |      |   |   | Average    |   |
|                           |   | Number    |   |   | Grant Date |   |
|                           |   | of Shares |   |   | Fair Value |   |
|                           |   |      |   |   |       |   |
| Outstanding September 30, 2009 |   |      | 8,431  |   |       | $      | 7.968 |   |
| Granted                        |   |      | -      |   |       |   | - |   |
| Vested                         |   |      | (2,518 | )      |       |   | 8.786 |   |
| Forfeited                      |   |      | (1,001 | )      |       |   | 7.398 |   |
|                           |   |      |   |   |       |   |   |   |
| Outstanding March 31, 2010     |   |      | 4,912  |   |       | $      | 7.665 |   |
|                           |   |      |   |   |       |   |   |   |

|        Level 1: | Quoted prices in active markets for identical assets or liabilities.                                                                                                            |
|----------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                                               |                                                                                                                                                                            |
|        Level 2: | Quoted prices for similar assets or liabilities in active markets; quoted prices for identical or similar assets or liabilities in inactive markets; or observable market data. |

----

|        Level 3: | Unobservable inputs where there is little, if any, market activity and that are developed based on the best information available under the circumstances. |
|----------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (Dollars in thousands)        |   | Level 1 |   |   | Level 2 |   |   | Level 3 |   |   | Total  |   |
|-------------------------------|--------|---------|--------|--------|---------|--------|--------|---------|--------|--------|--------|--------|
|                          |   |    |   |   |    |   |   |    |   |   |   |   |
| Securities available for sale |   | $       | -      |   |    | $      | 39,583 |    |   | $      | -      |   |   | $ | 39,583 |   |
| Impaired loans                |   |    | -      |   |    |   | -      |    |   |   | 2,360  |   |   |   | 2,360 |   |
| Real estate owned             |   |    | -      |   |    |   | -      |    |   |   | 1,285  |   |   |   | 1,285 |   |

----

|                          |   | Carrying |    |   | Fair   |   |
|-------------------------------|--------|----------|---------|--------|--------|--------|
|                          |   | Amount   |    |   | Value  |   |
|                          |   |     |    |   |   |   |
| Financial Assets              |   |     |    |   |   |   |
|                          |   |     |    |   |   |   |
| Cash and cash equivalents     |   | $        | 3,813   |   |   | $      | 3,813 |   |
| Securities available for sale |   |     | 39,583  |   |   |   | 39,583 |   |
| Securities held to maturity   |   |     | 138     |   |   |   | 142 |   |
| Loans receivable              |   |     | 114,495 |   |   |   | 119,204 |   |
| Accrued interest receivable   |   |     | 578     |   |   |   | 578 |   |
| FHLB stock                    |   |     | 994     |   |   |   | 994 |   |
|                          |   |     |    |   |   |   |   |   |
| Financial Liabilities         |   |     |    |   |   |   |   |   |
|                          |   |     |    |   |   |   |   |   |
| Deposits                      |   |     | 134,631 |   |   |   | 136,462 |   |
| Borrowed funds                |   |     | 16,000  |   |   |   | 16,332 |   |

----

----

| ITEM 2. | MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS |
|---------|---------------------------------------------------------------------------------------------|

----

----

|                      |   |   Three Months Ended |      |   |  Six Months Ended |   |
|---------------------------|--------|---------------------------|-----------|--------|------------------------|--------|
|                      |   |  March 31,           |      |   |  March 31,        |   |
|                      |   | 2010                      |      |   | 2009                   |   |   | 2010 |   |   | 2009 |   |
|                      |   |                      |      |   |                   |   |   |   |   |   |   |   |
| Balance - beginning       |   | $                         | 2,867,881 |   |                   | $      | 939,664 |   |   | $ | 2,919,597 |   |   | $ | 955,687 |   |
| Provision for loan losses |   |                      | 325,000   |   |                   |   | 1,025,000 |   |   |   | 750,000 |   |   |   | 1,095,000 |   |
| Charge-offs               |   |                      | (249,586  | )      |                   |   | (335 | ) |   |   | (726,356 | ) |   |   | (86,358 | ) |
| Recoveries                |   |                      | 204       |   |                   |   | - |   |   |   | 258 |   |   |   | - |   |
|                      |   |                      |      |   |                   |   |   |   |   |   |   |   |   |   |   |   |
| Balance - ending          |   | $                         | 2,943,499 |   |                   | $      | 1,964,329 |   |   | $ | 2,943,499 |   |   | $ | 1,964,329 |   |

----

| (Dollars in thousands)         |   | Amount |   |   | Ratio  |   |
|--------------------------------|--------|--------|--------|--------|--------|--------|
|                           |   |   |   |   |   |   |
| Tangible capital               |   | $      | 13,595 |   |   |   | 8.13 | % |
| Tangible capital requirement   |   |   | 2,509  |   |   |   | 1.50 | % |
| Excess over requirement        |   | $      | 11,086 |   |   |   | 6.63 | % |
|                           |   |   |   |   |   |   |   |   |
| Core capital                   |   | $      | 13,595 |   |   |   | 8.13 | % |
| Core capital requirement       |   |   | 6,691  |   |   |   | 4.00 | % |
| Excess over requirement        |   | $      | 6,904  |   |   |   | 4.13 | % |
|                           |   |   |   |   |   |   |   |   |
| Risk-based capital             |   | $      | 14,896 |   |   |   | 14.32 | % |
| Risk-based capital requirement |   |   | 8,323  |   |   |   | 8.00 | % |
| Excess over requirement        |   | $      | 6,573  |   |   |   | 6.32 | % |

|                                       |   | At or for the Three Months |   |
|--------------------------------------------|--------|----------------------------|--------|
|                                       |   | Ended March 31,            |   |
|                                       |   | 2010 (1)                   |   |   | 2009 (1) |   |
| Loss per common share (2):                 |   |                       |   |   |   |   |
| Basic                                      |   | $                          | (0.10  | ) |   | $ | (0.20 | ) |
| Diluted                                    |   | $                          | (0.10  | ) |   | $ | (0.20 | ) |
| Return on average assets (1)               |   |                       | (0.38  | )% |   |   | (0.78 | )% |
| Return on average equity (1)               |   |                       | (3.98  | )% |   |   | (7.47 | )% |
| Interest rate spread (1)                   |   |                       | 3.22   | % |   |   | 2.90 | % |
| Net interest margin (1)                    |   |                       | 3.53   | % |   |   | 3.37 | % |
| Non-interest expense to average assets (1) |   |                       | 3.46   | % |   |   | 2.77 | % |
| Non-performing assets to total assets      |   |                       | 3.99   | % |   |   | 3.63 | % |
| Non-performing loans to total loans        |   |                       | 4.63   | % |   |   | 4.85 | % |
| Book value per share (3)                   |   | $                          | 9.47   |   |   | $ | 10.18 |   |

|   |                                                                                                     |   |   |   |   |   |   |   |   |   |   |
|--------|----------------------------------------------------------------------------------------------------------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|
| (1)    | The ratios for the three month periods presented are annualized.                                         |   |   |   |   |
| (2)    | The average number of shares outstanding during the three months ended March 31, 2010 was                |
|   | 1,644,206 basic and diluted.  The average number of shares outstanding during the three months |
|   | ended March 31, 2009 was 1,667,002 basic and 1,667,999 diluted.                                          |   |   |   |   |
| (3)    | There were 1,686,527 shares outstanding at March 31, 2010 and 1,718,473 shares outstanding               |
|   | at March 31, 2009.                                                                                       |   |   |   |   |   |   |   |   |   |

----

|                                       |   | For the Six Months |   |
|--------------------------------------------|--------|--------------------|--------|
|                                       |   | Ended March 31,    |   |
|                                       |   | 2010 (1)           |   |   | 2009 (1) |   |
| Loss per common share (2):                 |   |               |   |   |   |   |
| Basic                                      |   | $                  | (0.15  | ) |   | $ | (0.11 | ) |
| Diluted                                    |   | $                  | (0.15  | ) |   | $ | (0.11 | ) |
| Return on average assets (1)               |   |               | (0.29  | )% |   |   | (0.22 | )% |
| Return on average equity (1)               |   |               | (2.99  | )% |   |   | (2.09 | )% |
| Interest rate spread (1)                   |   |               | 3.17   | % |   |   | 2.98 | % |
| Net interest margin (1)                    |   |               | 3.50   | % |   |   | 3.47 | % |
| Non-interest expense to average assets (1) |   |               | 3.20   | % |   |   | 2.89 | % |

|   |                                                                                                   |   |   |   |   |   |   |   |   |   |   |
|--------|--------------------------------------------------------------------------------------------------------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|
| (1)    | The ratios for the six month periods presented are annualized.                                         |   |   |   |   |
| (2)    | The average number of shares outstanding during the six months ended March 31, 2010 was                |
|   | 1,643,063 basic and diluted.  The average number of shares outstanding during the six months |
|   | ended March 31, 2009 was 1,665,858 basic and 1,667,132 diluted.                                        |   |   |   |   |

----

| ITEM 1. | LEGAL PROCEEDINGS |
|---------|-------------------|

| ITEM 2. | UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS |
|---------|-------------------------------------------------------------|

|      Period |   | (a) Total NumberOf Shares (orUnits) Purchased |   |   |  (b)Average PricePaid per Share(or Unit) |   |   | (c) Total NumberOf Shares (or Units)Purchased as PartOf PubliclyAnnounced Plansor Programs* |   |   | (d) Maximum Number(or Approximate DollarValue) of Shares (orUnits) that May Yet BePurchased Under thePlans or Programs* |   |
|--------------------------------------|--------|----------------------------------------------------|--------|--------|-----------------------------------------------|--------|--------|---------------------------------------------------------------------------------------------|--------|--------|-------------------------------------------------------------------------------------------------------------------------|--------|
|  January 1 through 31           |   |                                               | 100    | **     |                                          | $      | 4.00   |                                                                                        |   |   | -                                                                                                                       |   |   |   | 64,153 |   |
|  February 1 through 28          |   |                                               | -      |   |                                          |   | -      |                                                                                        |   |   | -                                                                                                                       |   |   |   | 64,153 |   |
|  March 1 through 31             |   |                                               | 2,000  | **     |                                          | $      | 3.80   |                                                                                        |   |   | -                                                                                                                       |   |   |   | 64,153 |   |
|  Total                          |   |                                               | 2,100  |   |                                          | $      | 3.81   |                                                                                        |   |   | -                                                                                                                       |   |   |   |   |   |

|   | * | The Company announced the repurchase of up to approximately 85,500 shares on December 13, 2005 and 47,000 shares for the RSP on January 31, 2006 |
|--------|---|--------------------------------------------------------------------------------------------------------------------------------------------------|

|   | ** | Represents shares purchased for the Deferred Compensation Plan. |
|--------|----|-----------------------------------------------------------------|

| ITEM 3. | DEFAULTS UPON SENIOR SECURITIES |
|---------|---------------------------------|

----

| ITEM 5. | OTHER INFORMATION |
|---------|-------------------|

|                                                                                                                                              |   |    |   |     |   |   | Broker   |   |
|---------------------------------------------------------------------------------------------------------------------------------------------------|--------|---------|--------|----------|--------|--------|----------|--------|
|                                                                                                                                              | For    |    |   | Withheld |   |   | Non-Vote |   |
|                                                                                                                                              |   |    |   |     |   |   |     |   |
|                       Mark V. Dimon |   | 781,043 |   |     |   | 30,689 |     |   |   | 474,882 |   |
|                       John J. Ferry |   | 782,812 |   |     |   | 28,920 |     |   |   | 474,882 |   |

|            |   |   |        |         |   |      |   |
|-----------------|--------|--------|-------------|--------------|--------|-----------|--------|
| For             |   |   | Against     |         |   | Abstain   |   |
|            |   |   |        |    |   |      |   |
|  1,276,221 |   |   |  9,697 |         |   |  696 |   |

|   | 3.1   | Certificate of Incorporation*                                                                  |
|--------|-------|------------------------------------------------------------------------------------------------|
|   | 3.2   | Bylaws**                                                                                       |
|   | 4.0   | Form of Stock Certificate***                                                                   |
|   | 10.1  | Directors Consultation and Retirement Plan*******                                              |
|   | 10.2  | Stock Option Plan****                                                                          |
|   | 10.3  | Restricted Stock Plan****                                                                      |
|   | 10.4  | Employment Agreement between Janice A. Summers and Roebling Bank********                       |
|   | 10.5  | Employment Agreement between Frank J. Travea, III and Roebling Bank********                    |
|   | 10.6  | Roebling Financial Corp, Inc. 2006 Stock Option Plan*****                                      |
|   | 10.7  | Roebling Bank 2006 Restricted Stock Plan*****                                                  |
|   | 10.8  | Directors Change in Control Severance Plan******                                               |
|   | 10.9  | Directors Deferred Compensation Agreement between John J. Ferry and Roebling Bank*******       |
|   | 10.10 | Directors Deferred Compensation Agreement between George N. Nyikita and Roebling Bank*******   |
|   | 10.11 | Directors Deferred Compensation Agreement between Mark V. Dimon and Roebling Bank********      |
|   | 10.12 | Supervisory Agreement, dated June 17, 2009*********                                            |
|   | 31    | Rule 13a-14(a)/15d-14(a) Certifications of Chief Executive Officer and Chief Financial Officer |
|   | 32    | Section 1350 Certification                                                                     |

| *   | Incorporated herein by reference to the Company’s Form 8-A (File No. 0-59069) filed with the Commission on September 30, 2004.                         |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------|
| **  | Incorporated herein by reference to the Company’s Quarterly Report on Form 10-QSB for the quarter ended March 31, 2005.                                |
| *** | Incorporated herein by reference to the Company’s Registration Statement on Form SB-2 (File No. 333-116312) filed with the Commission on June 9, 2004. |

----

| ****      | Incorporated herein by reference to Company’s Registration Statement on Form S-8 (File No. 333-119839) filed with the Commission on October 20, 2004.  |
|-----------|--------------------------------------------------------------------------------------------------------------------------------------------------------------|
| *****     | Incorporated herein by reference to Company’s Registration Statement on Form S-8 (File No. 333-132059) filed with the Commission on February 27, 2006. |
| ******    | Incorporated herein by reference to the Company’s Quarterly Report on Form 10-QSB for the quarter ended March 31, 2008.                                |
| *******   | Incorporated herein by reference to the Company’s Quarterly Report on Form 10-Q for the quarter ended  December 31, 2008.                    |
| ********  | Incorporated herein by reference to the Company’s Quarterly Report on Form 10-Q for the quarter ended March 31, 2009.                                  |
| ********* | Incorporated herein by reference to the Company’s Current Report on Form 8-K filed with the Commission on June 18, 2009.                               |

----

|                                      |   | ROEBLING FINANCIAL CORP, INC. |
|-------------------------------------------|--------|-------------------------------|
|   Date:  May 12, 2010 |   |   By:               |   /s/ Frank J. Travea, III |
|                                      |   |                          | Frank J. Travea, IIIPresident and Chief Executive Officer(Principal Executive Officer) |
|   Date:  May 12, 2010 |   |   By:               |   /s/ Janice A. Summers |
|                                      |   |                          | Janice A. SummersSenior Vice President, Chief Operating Officer and Chief Financial Officer(Principal Financial and Accounting Officer) |