UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                   FORM 10-QSB

(Mark One)

X    QUARTERLY  REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES  EXCHANGE ACT
     OF 1934

For the quarterly period ended   December 31, 2004
                                 -----------------

                                       OR

     TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACT

For the transition period from __________________ to __________________

                         Commission file number 0-50969

                          ROEBLING FINANCIAL CORP, INC.
--------------------------------------------------------------------------------
        (Exact name of Small Business Issuer as specified in its charter)

          New Jersey                                             55-0873295
--------------------------------------------------------------------------------
(State or other jurisdiction of                              (I.R.S. employer
incorporation or organization)                              identification no.)



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

Issuer's telephone number, including area code  (609) 499-0355
                                                --------------


                                       N/A
--------------------------------------------------------------------------------
              (Former name, former address and former fiscal year,
                         if changed since last report.)

Check whether the Issuer 1) filed all reports required to be filed by Section 13
or 15(d) of the  Exchange  Act during  the last 12 months  (or for such  shorter
period that the registrant  was required to file such reports);  and 2) has been
subject to such filing requirements for the past 90 days; Yes  X     No
                                                              ---       ---

                      APPLICABLE ONLY TO CORPORATE ISSUERS:

     State the number of shares  outstanding of each of the issuer's  classes of
common equity, as of the latest practicable date: January 30, 2005

        Class                                            Outstanding
---------------------------                           ----------------
$.10 par value common stock                           1,687,403 shares

         Transitional Small Business Disclosure format (check one)
                                    Yes         No   X
                                        ---         ---
<PAGE>

                          ROEBLING FINANCIAL CORP, INC.
                                   FORM 10-QSB
                     FOR THE QUARTER ENDED DECEMBER 31, 2004

                                      INDEX

                                                                           Page
                                                                          Number
                                                                          ------

PART I - FINANCIAL INFORMATION OF ROEBLING FINANCIAL CORP, INC.

Item 1.  Consolidated Financial Statements and Notes Thereto              1 - 5
Item 2.  Management's Discussion and Analysis of Financial
                  Condition and Results of Operations                     6 - 9
Item 3.  Controls and Procedures                                            9

PART II - OTHER INFORMATION

Item 1.  Legal Proceedings                                                 10
Item 2.  Unregistered Sales of Equity Securities and Use of Proceeds       10
Item 3.  Defaults upon Senior Securities                                   10
Item 4.  Submission of Matters to a Vote of Security Holders               10
Item 5.  Other Information                                                 10
Item 6.  Exhibits                                                          10

SIGNATURES                                                                 11

<PAGE>


ROEBLING FINANCIAL CORP, INC. AND SUBSIDIARY
CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION
<TABLE>
<CAPTION>
(Unaudited)
(In Thousands)

                                                                             December 31,   September 30,
                                                                                 2004            2004
                                                                             ------------   -------------
<S>                                                                           <C>             <C>
Assets

Cash and due from banks                                                       $  1,255        $ 1,820
Interest-bearing deposits                                                          147          1,877
                                                                              --------        -------
     Total cash and cash equivalents                                             1,402          3,697

Certificates of deposit                                                            500          1,200
Securities available for sale                                                   30,183         24,172
Securities held to maturity                                                        752            979
Loans held for sale                                                                  -            148
Loans receivable, net                                                           66,996         64,376
Accrued interest receivable                                                        398            389
Federal Home Loan Bank of New York stock, at cost                                  558            558
Premises and equipment                                                           1,800          1,726
Other assets                                                                       216            127
                                                                              --------        -------
     Total assets                                                             $102,805        $97,372
                                                                              ========        =======
Liabilities and Stockholders' Equity

Liabilities

Deposits                                                                       $80,755        $79,817
Borrowed funds                                                                   5,400          1,000
Advances from borrowers for taxes and insurance                                    427            439
Other liabilities                                                                  596            562
                                                                              --------        -------
     Total liabilities                                                          87,178         81,818
                                                                              --------        -------

Stockholders' equity

Serial preferred stock, $.10 par value; 5,000,000 shares authorized;
  none issued                                                                        -              -
Common stock; $0.10 par value; 20,000,000 shares authorized;
  1,687,403 issued                                                                 169            169
Additional paid-in-capital                                                      10,154         10,151
Unallocated employee stock ownership plan shares                                  (757)          (776)
Retained earnings - substantially restricted                                     6,105          5,936
Accumulated other comprehensive income - unrealized gain
  on securities available for sale, net of tax                                     (44)            74
                                                                              --------        -------
     Total stockholders' equity                                                 15,627         15,554
                                                                              --------        -------
     Total liabilities and stockholders' equity                               $102,805        $97,372
                                                                              ========        =======
</TABLE>

See notes to unaudited consolidated financial statements.

                                       1
<PAGE>

ROEBLING FINANCIAL CORP, INC. AND SUBSIDIARY
CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME
<TABLE>
<CAPTION>
(Unaudited)

(In Thousands)
                                                                       For the Three Months Ended
                                                                              December 31,
                                                                       --------------------------
                                                                           2004          2003
                                                                         -------        -------
<S>                                                                      <C>            <C>
Interest income:
   Loans receivable                                                      $   931        $   860
   Securities                                                                249            191
   Other interest-earning assets                                              18             16
                                                                         -------        -------
        Total interest income                                              1,198          1,067
                                                                         -------        -------
Interest expense:
   Deposits                                                                  226            239
   Borrowed funds                                                             32             --
                                                                         -------        -------
        Total interest expense                                               258            239
                                                                         -------        -------

Net interest income before provision for loan losses                         940            828
Provision for loan losses                                                     17             12
                                                                         -------        -------
        Net interest income after provision for loan losses                  923            816
                                                                         -------        -------
Non-interest income:
   Loan fees and late charges                                                 12             13
   Account servicing and other                                               104            102
   Gain on sale of loans                                                       2              2
                                                                         -------        -------
        Total non-interest income                                            118            117
                                                                         -------        -------

Non-interest expense:
   Compensation and benefits                                                 418            401
   Occupany and equipment                                                     78             79
   Service bureau and data processing                                         98            102
   Other expense                                                             151            145
                                                                         -------        -------
        Total non-interest expense                                           745            727
                                                                         -------        -------

        Income before provision for income taxes                             296            206
Provision for income taxes                                                   127             88
                                                                         -------        -------
        Net income                                                           169            118

Other comprehensive income, net of tax:
   Unrealized gain (loss) on securities available for sale, net of tax      (118)            12
                                                                         -------        -------
Comprehensive income                                                     $    51        $   130
                                                                         =======        =======

Earnings per common share:
  Basic                                                                  $  0.11        $  0.07
  Diluted                                                                $  0.10        $  0.07

Weighted average number of shares outstanding:
  Basic                                                                    1,597          1,662
  Diluted                                                                  1,621          1,675
</TABLE>

See notes to unaudited consolidated financial statements.

                                       2
<PAGE>


ROEBLING FINANCIAL CORP, INC. AND SUBSIDIARY
CONSOLIDATED STATEMENT OF CHANGES IN STOCKHOLDERS' EQUITY
<TABLE>
<CAPTION>
(Unaudited)

(In Thousands)
                                                                                                  Accumulated
                                                    Additional                                       Other
                                      Common         Paid-in        Unallocated     Retained    Comprehensive
                                      Stock          Capital        ESOP Shares     Earnings        Income         Total
                                      ------       -----------      -----------     --------    --------------     -----
<S>                                   <C>           <C>              <C>           <C>               <C>          <C>
Balance at September 30, 2004         $169          $10,151          ($776)        $5,936            $ 74         $15,554

Net income for the three months
  ended December 31, 2004               -                 -              -            169               -             169

Change in unrealized gain on
  securities available for sale,
  net of income taxes                   -                 -              -              -            (118)           (118)

Amortization of ESOP shares             -                 3             19              -               -              22
                                      ----          -------          -----         ------            ----         -------
Balance at December 31, 2004          $169          $10,154          ($757)        $6,105            ($44)        $15,627
                                      ====          =======          =====         ======            ====         =======
</TABLE>


See notes to unaudited consolidated financial statements.

                                       3
<PAGE>

ROEBLING FINANCIAL CORP, INC. AND SUBSIDIARY
CONSOLIDATED STATEMENTS OF CASH FLOWS
<TABLE>
<CAPTION>
(Unaudited)

(In Thousands)
                                                                                For the Three Months Ended
                                                                                     December 31,
                                                                                -------------------------
                                                                                 2004              2003
                                                                                -------          -------
<S>                                                                                <C>              <C>
Cash flows from operating activities:
   Net income                                                                      $169             $118
   Adjustments to reconcile net income to cash provided by
     operating activities:
         Depreciation                                                                38               39
         Amortization of premiums and discounts, net                                  3               19
         Amortization of deferred loan fees and costs, net                            3                -
         Provision for loan losses                                                   17               12
         Originations of loans held for sale, net of repayments                    (251)               -
         Gain on sale of loans                                                       (2)              (2)
         Proceeds from sale of loans held for sale                                  401                -
         (Increase) decrease in other assets                                        (12)              95
         (Increase) decrease in accrued interest receivable                          (9)              37
         Increase (decrease) in other liabilities                                    34              (50)
         Amortization of ESOP shares                                                 22                9
                                                                                -------          -------
                   Net cash provided by operating activities                        413              277
                                                                                -------          -------

Cash flows from investing activities:
    Proceeds from maturities of certificates of deposit                             700              200
    Purchase of securities available for sale                                    (8,757)          (1,500)
    Proceeds from payments and maturities of securities available for sale        2,547            3,336
    Purchase of securities held to maturity                                           -             (140)
    Proceeds from payments and maturities of securities held to maturity            228              413
    Loan originations, net of principal repayments                               (2,640)          (2,297)
    Proceeds from sale of loans                                                       -              218
    Purchase of premises and equipment                                             (112)              (3)
                                                                                -------          -------
                   Net cash (used in) provided by investing activities           (8,034)             227
                                                                                -------          -------

Cash flows from financing activities:
    Net increase in deposits                                                        938              863
    Net increase (decrease) in short-term borrowed funds                          1,400           (1,200)
    Proceeds from long-term borrowed funds                                        3,000                -
    Decrease in advance payments by borrowers for taxes
      and insurance                                                                 (12)              (8)
                                                                                -------          -------
                   Net cash provided by (used in) financing activities            5,326             (345)
                                                                                -------          -------

    Net (decrease) increase in cash and cash equivalents                         (2,295)             159
    Cash and cash equivalents at beginning of period                              3,697            2,031
                                                                                -------          -------
    Cash and cash equivalents at end of period                                  $ 1,402          $ 2,190
                                                                                =======          =======

SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:
    Cash paid for:
        Interest on deposits and borrowed funds                                     258              238
        Income taxes                                                                 15                -
</TABLE>

See notes to unaudited consolidated financial statements.

                                       4
<PAGE>


                          ROEBLING FINANCIAL CORP, INC.
              NOTES TO UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS

NOTE 1 - BASIS OF PRESENTATION

The  accompanying   unaudited  consolidated  financial  statements  of  Roebling
Financial  Corp,  Inc. (the "Company") have been prepared in accordance with the
instructions  for  Form  10-QSB.  Accordingly,  they do not  include  all of the
information and footnotes required by generally accepted  accounting  principles
for complete financial statements.  However, such information presented reflects
all adjustments  (consisting solely of normal recurring  adjustments) which are,
in the opinion of the Company's  management,  necessary for a fair  statement of
results for the interim period.

The results of operations  for the three months ended December 31, 2004, are not
necessarily  indicative  of the  results  to be  expected  for the  year  ending
September  30,  2005,  or  any  other  future  interim  period.   The  unaudited
consolidated   financial   statements  and  notes  thereto  should  be  read  in
conjunction with the audited financial statements and notes thereto for the year
ended September 30, 2004 included in the Company's Annual Report on Form 10-KSB.


NOTE 2 - EARNINGS PER SHARE

Basic  earnings  per share is computed by dividing net income for the quarter by
the weighted average number of shares of common stock outstanding,  adjusted for
unearned shares of the Employee Stock Ownership Plan ("ESOP").  Diluted earnings
per share is computed by  adjusting  the  weighted  average  number of shares of
common stock  outstanding to include the effect of outstanding stock options and
compensation grants, if dilutive, using the treasury stock method.

                                       5


<PAGE>

                          ROEBLING FINANCIAL CORP, INC.
                     MANAGEMENT'S DISCUSSION AND ANALYSIS OF
                  FINANCIAL CONDITION AND RESULTS OF OPERATIONS
                  ---------------------------------------------


GENERAL

     The Private  Securities  Litigation Reform Act of 1995 contains safe harbor
provisions regarding forward-looking  statements.  When used in this discussion,
the words  "believes",  "anticipates",  "contemplates",  "expects",  and similar
expressions are intended to identify forward-looking statements. Such statements
are subject to certain risks and uncertainties  which could cause actual results
to differ materially from those projected. Those risks and uncertainties include
changes in  interest  rates,  the  ability to control  costs and  expenses,  new
legislation and regulations, and general economic conditions.

     On September 30, 2004,  Roebling Financial Corp., MHC (the "MHC") completed
its reorganization  into stock form and the Company succeeded to the business of
the MHC's former federal mid-tier holding company  subsidiary.  Each outstanding
share of common stock of the former mid-tier  holding company was converted into
3.9636 shares of common stock of the Company.  As part of the  transaction,  the
Company sold a total of 910,764 shares to the public at $10 per share, including
72,861 shares  purchased by the Company's  employee  stock  ownership  plan with
funds borrowed from the Company.  The Company's business is conducted  primarily
through its wholly-owned subsidiary,  Roebling Bank (the "Bank").  References to
the Company or Registrant  refer to the  consolidated  entity which includes the
main operating company, the Bank, unless the context indicates otherwise.

OVERVIEW

     At  December  31,  2004,  the  Company  had  total  assets,   deposits  and
stockholders'  equity of  $102.8  million,  $80.8  million  and  $15.6  million,
respectively. For the three months ended December 31, 2004, the Company reported
net income of $169,000, or $.10 per diluted share, compared to $118,000, or $.07
per diluted share, for the same period in 2003.

CHANGES IN FINANCIAL CONDITION

     Total assets  increased  by $5.4 million to $102.8  million at December 31,
2004, from $97.4 million at September 30, 2004.  Investment securities increased
by $5.8 million,  or 23.0%,  while cash and cash  equivalents and investments in
certificates  of deposit  decreased by $2.3 million and $700,000,  respectively.
Loans receivable,  net increased by $2.6 million, or 4.1%. Investment securities
increased to $30.9  million at December 31, 2004 from $25.1 million at September
30,  2004.  Investment  securities  purchased  during the quarter  totaled  $8.8
million,  all of which are available  for sale,  while $2.8 million was received
from  payments and calls.  Loans  receivable,  net increased to $67.0 million at
December  31, 2004 from $64.4  million at September  30,  2004.  The increase in
loans receivable,  net was primarily attributable to an increase of $1.1 million
in the commercial  real estate  portfolio and $1.0 million in home equity loans.
Deposits  increased by $938,000 to $80.8 million at December 31, 2004 from $79.8
million at September 30, 2004.  Borrowed funds  increased by $4.4 million during
the same  period,  to $5.4  million at December  31,  2004 from $1.0  million at
September 30, 2004.  $1.4 million of the increase was in the  overnight  line of
credit, while $3.0 million was in long-term borrowings.

RESULTS OF OPERATIONS

     NET INTEREST  INCOME.  For the  three-months  ended  December 31, 2004, the
Company  reported  net  interest  income  before  provision  for loan  losses of
$940,000, which represents an increase of $112,000 or 13.5% over the same period
in 2003.  The increase in net  interest  income was the result of an

                                       6
<PAGE>

increase  in interest  income of  $131,000,  partially  offset by an increase in
interest  expense of $19,000.  The interest  rate spread was 3.53% for the three
months  ended  December  31, 2004  compared to 3.70% for the three  months ended
December 31, 2003,  while the net interest  margin was 3.88% for the 2004 period
compared  to 3.95%  for the 2003  period.  After a period  of  historically  low
interest rates,  the Federal Reserve began  tightening  monetary policy in June,
2004,  and has increased  the Federal Funds rate five times,  by 25 basis points
each time,  since then.  The yield curve has  flattened in that time period,  as
short-term  rates  have  risen,  but  long-term  rates have  actually  declined.
Reflecting the current rate  environment,  the Company's  spread and margin have
compressed  slightly,  as the  average  yield on total  interest-earning  assets
declined while the overall cost of funds increased.

     The average balance of total  interest-earning  assets for the three months
ended December 31, 2004 increased by $13.3 million  compared to the three months
ended December 31, 2003,  while the average yield decreased to 4.94% from 5.08%.
The  increase in total  interest  income of $131,000  for the three months ended
December  31, 2004 is comprised  primarily of an increase in interest  income of
$71,000 on loans receivable and $58,000 on investment securities.  While average
loan  receivable  balances  increased by $8.3 million for the three months ended
December 31, 2004 compared to the same 2003 period,  the average yield  declined
to 5.71% from 6.01%.  For the three months ended  December 31, 2004, the average
balance of investment  securities increased by $4.6 million compared to the same
2003 period,  while the average yield increased to 3.43% from 3.12%. The average
balance of other  interest-earning  assets  increased  by $377,000 for the three
months ended  December 31, 2004 compared to the three months ended  December 31,
2003, while the yield fell to 2.62% from 2.81%.

     Average  interest-bearing  liabilities  increased  by $3.7  million for the
three months ended December 31, 2004 compared to the three months ended December
31, 2003. The cost of  interest-bearing  liabilities  increased to 1.41% for the
three-month  period  ended  December  31,  2004,  compared to 1.38% for the same
period of 2003.

     PROVISION  FOR LOAN LOSSES.  The  provision for loan losses was $17,000 for
the three-month period ended December 31, 2004, compared to $12,000 for the same
period in 2003.  Management  continually  monitors and adjusts the allowance for
loan  losses  based  upon its  analysis  of the loan  portfolio.  This  analysis
includes an evaluation of known and inherent risks in the loan  portfolio,  past
loss  experience,  current  economic  conditions,  industry loss reserve levels,
adverse  situations  which may affect the borrower,  the estimated  value of any
underlying  collateral  and other  relevant  factors.  However,  there can be no
assurance  that  additions to the allowance for loan losses will not be required
in future periods or that actual losses will not exceed estimated amounts.

     NON-INTEREST  INCOME.  Non-interest income increased slightly,  to $118,000
for the three months ended December 31, 2004,  compared to $117,000 for the same
period in 2003, with the increase  attributable to higher account  servicing and
other fees.

     NON-INTEREST  EXPENSE.  Non-interest expense increased $18,000, or 2.5%, to
$745,000 for the  three-month  period ended  December 31, 2004 from $727,000 for
the same 2003 period.  The most  significant  increase was in  compensation  and
benefits,  which  increased by $17,000,  or 4.2%. The largest  component of that
increase  relates to the costs of the ESOP,  which  increased by $13,000 for the
three months  ended  December  31, 2004  compared to the same 2003  period.  The
additional costs are attributable to the additional shares purchased by the ESOP
in conjunction with the second-step conversion.

     PROVISION  FOR INCOME  TAXES.  The  provision  for income  taxes  increased
$39,000 to $127,000 for the three months ended December 31, 2004 compared to the
2003 periods as a result of an increase in net income  before tax. The Company's
effective tax rate remained approximately the same at 43%.

                                       7
<PAGE>

LIQUIDITY AND REGULATORY CAPITAL COMPLIANCE

     On December 31, 2004, the Bank was in compliance with its three  regulatory
     capital requirements as follows:
<TABLE>
<CAPTION>
                                                           Amount           Percent
                                                           ------           -------
<S>                                                       <C>                <C>
Tangible capital                                          $11,258            10.94%
Tangible capital requirement                                1,543             1.50%
                                                          -------            -----
Excess over requirement                                   $ 9,715             9.44%
                                                          =======            =====

Core capital                                              $11,258            10.94%
Core capital requirement                                    4,115             4.00%
                                                          -------            -----
Excess over requirement                                   $ 7,143             6.94%
                                                          =======            =====

Risk-based capital                                        $11,771            19.47%
Risk-based capital requirement                              4,836             8.00%
                                                          -------            -----
Excess over requirement                                   $ 6,935            11.47%
                                                          =======            =====
</TABLE>

     The Company  anticipates  that it will have  sufficient  funds available to
meet its current commitments.  As of December 31, 2004, the Bank had outstanding
commitments to originate loans of $2.4 million. At December 31, 2004, there were
commitments  on  unused  lines  of  credit  of $10.0  million  and  $123,000  in
outstanding  commercial letters of credit.  Certificates of deposit scheduled to
mature in one year or less as of December 31, 2004, totaled $13.9 million. Based
on historical deposit withdrawals and outflows,  and on internal monthly deposit
reports  monitored by  management,  management  believes that a majority of such
deposits will remain with the Company.


                                       8
<PAGE>

ADDITIONAL KEY OPERATING RATIOS
                                                  At or for the Three Months
                                                     Ended December 31,
                                                  --------------------------
                                                   2004(1)        2003(1)
                                                   ------         ------

Earnings per common share (2):
    Basic                                         $   0.11     $   0.07
    Diluted                                       $   0.10     $   0.07
Return on average assets (1)                           .67%         .53%
Return on average equity (1)                          4.32%        6.51%
Interest rate spread (1)                              3.53%        3.70%
Net interest margin (1)                               3.88%        3.95%
Non-interest expense to average assets (1)            2.95%        3.28%
Non-performing assets to total assets                  .10%         .22%
Non-performing loans to total loans                    .15%         .34%


                                                     At  December 31,
                                                   2004            2003
                                                   ----            ----

Book value per share (3)                           $9.25          $4.34
_______________
(1)      The ratios for the three-month periods presented are annualized.
(2)      The average number of shares  outstanding during the three months ended
         December 31, 2004,  was  1,597,423  basic and  1,621,279  diluted.  The
         average  number of shares  outstanding  during the three  months  ended
         December  31, 2003,  was  1,661,652  basic and  1,675,418  diluted,  as
         adjusted  to  reflect  the  3.9636  exchange  ratio in the  second-step
         conversion.
(3)      There were  1,687,403  shares  outstanding  as of December 31, 2004 and
         1,686,512  shares  outstanding  as of December 31, 2003, as adjusted to
         reflect the 3.9636 exchange ratio in the second-step conversion.


CONTROLS AND PROCEDURES

         (a)  EVALUATION OF DISCLOSURE  CONTROLS AND  PROCEDURES.  The Company's
management  evaluated,  with the  participation of the Company's Chief Executive
Officer  and  Chief  Financial  Officer,  the  effectiveness  of  the  Company's
disclosure  controls and  procedures as of the end of the period covered by this
report. Based on this evaluation,  the Company's principal executive officer and
principal  financial  officer  have  concluded  that as of the end of the period
covered by this  Quarterly  Report on Form 10-QSB such  disclosure  controls and
procedures are effective to ensure that information  required to be disclosed by
the Company in reports that it files or submits  under the  Securities  Exchange
Act of 1934 is recorded,  processed,  summarized  and  reported  within the time
periods specified in Securities and Exchange Commission rules and forms.

         (b) CHANGES IN INTERNAL  CONTROL OVER FINANCIAL  REPORTING.  During the
period under report,  there was no change in the Company's internal control over
financial  reporting that has materially  affected,  or is reasonably  likely to
materially affect, the Company's internal control over financial reporting.

                                       9

<PAGE>

                          ROEBLING FINANCIAL CORP, INC.

                                     PART II


ITEM 1.   LEGAL PROCEEDINGS

          There are various claims and lawsuits in which the company or the Bank
          are   periodically   involved,   such  as  claims  to  enforce  liens,
          condemnation  proceedings  on  properties  in  which  the  Bank  holds
          security interests,  claims involving the making and servicing of real
          property loans and other issues  incident to the Bank's  business.  In
          the opinion of  management,  no material  loss is expected from any of
          such pending claims or lawsuits.

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

          Not applicable.

ITEM 3.   DEFAULTS UPON SENIOR SECURITIES

          Not applicable.

ITEM 4.   SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS

          Not applicable.

ITEM 5.   OTHER INFORMATION

          (a)   Not applicable.
          (b)   Not applicable

ITEM 6.   EXHIBITS

          List of Exhibits:

             3.1      Certificate of Incorporation*
             3.2      Bylaws*
             4.0      Form of Stock Certificate**
             10.2     Directors' Retirement Plan**
             10.3     Stock Option Plan***
             10.4     Restricted Stock Plan***
             10.5     Employment Agreement between Janice A. Summers and
                        Roebling Bank**
             10.6     Employment Agreement between Frank J. Travea, III and
                        Roebling Bank**
             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  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.

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<PAGE>


                          ROEBLING FINANCIAL CORP, INC.

                                   SIGNATURES


In accordance with the  requirements of the Exchange Act, the registrant  caused
this  report to be  signed on its  behalf  by the  undersigned,  thereunto  duly
authorized.


                                 ROEBLING FINANCIAL CORP, INC.


Date:  January 31, 2005          By: /s/ Frank J. Travea, III
                                     -------------------------------------------
                                     Frank J. Travea, III
                                     President and Chief Executive Officer
                                     (Principal Executive Officer)

Date:  January 31, 2005          By: /s/ Janice A. Summers
                                     -------------------------------------------
                                     Janice A. Summers
                                     Senior Vice President, Chief Operating
                                     Officer and Chief Financial Officer
                                    (Principal Financial and Accounting Officer)


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