SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549


                                   FORM 10-QSB

(Mark One)

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

For the quarterly period ended             March 31, 2002
                               -------------------------------------------------

                                       OR

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

For the transition period from                      to
                               -------------------      ---------------------

                         Commission file number 0-29257
                                                -------

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

        New Jersey                                     22-3709698
--------------------------------------------------------------------------------
State or other jurisdiction of              (I.R.S. employer identification no.)
incorporation or organization)

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

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

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

         Indicate  by check  whether  the  registrant  (1) has filed all reports
required to be filed by Section 13 or 15(d) of the  Securities  Exchange  Act of
1934  during  the  preceding  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:

         Indicate  the  number of  shares  outstanding  of each of the  issuer's
classes of common stock, as of the latest practicable date April 29, 2002

           Class                                        Outstanding
---------------------------                          ------------------
$.10 par value common stock                            425,500 shares


<PAGE>

                          ROEBLING FINANCIAL CORP, INC.
                                   FORM 10-QSB
                      FOR THE QUARTER ENDED MARCH 31, 2002

                                      INDEX

                                                                           Page
                                                                          Number
                                                                          ------

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

Item 1.  Consolidated Financial Statements and Notes Thereto               1 - 6
Item 2.  Management's Discussion and Analysis of Financial
                  Condition and Results of Operations                      7 - 9

PART II - OTHER INFORMATION

Item 1.  Legal Proceedings                                                    10
Item 2.  Changes in Securities                                                10
Item 3.  Defaults upon Senior Securities                                      10
Item 4.  Submission of Matters to a Vote of Security Holders                  10
Item 5.  Other Materially Important Events                                    10
Item 6.  Exhibits and Reports on Form 8-K                                     10

SIGNATURES                                                                    11


<PAGE>

ROEBLING FINANCIAL CORP, INC. AND SUBSIDIARY
CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION

(Unaudited)

(In Thousands)
<TABLE>
<CAPTION>

                                                                        March 31,          September 30,
                                                                          2002                2001
                                                                    ------------------   ---------------
<S>                                                                      <C>               <C>
Assets

Cash and due from banks                                                       $ 2,438           $ 2,816
Interest-bearing deposits                                                       1,354             6,485
                                                                    ------------------   ---------------
     Total cash and cash equivalents                                            3,792             9,301

Certificates of deposit                                                           900               300
Investment securities available for sale                                       17,484            12,216
Invesment securities held to maturity                                           4,991             6,273
Loans receivable, net                                                          46,296            43,096
Real estate owned                                                                   -                26
Accrued interest receivable                                                       503               385
Federal Home Loan Bank of New York stock, at cost                                 472               386
Premises and equipment                                                          1,012             1,031
Other assets                                                                      114               118
                                                                    ------------------   ---------------
     Total assets                                                             $75,564           $73,132
                                                                    ==================   ===============

Liabilities and Stockholders' Equity

Liabilities

Deposits                                                                      $68,500           $66,200
Advances from borrowers for taxes and insurance                                   428               426
Accrued interest payable                                                           33                62
Other liabilities                                                                 479               469
                                                                    ------------------   ---------------
     Total liabilities                                                         69,440            67,157
                                                                    ------------------   ---------------

Stockholders' equity

Serial preferred stock, no par value; 1,000,000 shares authorized;
  none issued                                                                       -                 -
Common stock; $0.10 par value; 4,000,000 shares authorized;
  425,500 issued                                                                   43                43
Additional paid-in-capital                                                      1,667             1,663
Unallocated employee stock ownership plan shares                                  (86)              (94)
Retained earnings - substantially restricted                                    4,566             4,268
Accumulated other comprehensive income - unrealized gain (loss)
  on securities available for sale, net of tax                                    (66)               95
                                                                    ------------------   ---------------
     Total stockholders' equity                                                 6,124             5,975
                                                                    ------------------   ---------------

     Total liabilities and stockholders' equity                               $75,564           $73,132
                                                                    ==================   ===============
</TABLE>


See notes to unaudited consolidated financial statements.

<PAGE>

ROEBLING FINANCIAL CORP, INC. AND SUBSIDIARY
CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME

(Unaudited)

(In Thousands)
<TABLE>
<CAPTION>

                                                                      For the Three Months Ended
                                                                              March 31,
                                                             -----------------------------------------
                                                                    2002                  2001
                                                             --------------------   ------------------
<S>                                                                     <C>                  <C>
Interest income:
   Loans receivable                                                       $  819               $  843
   Investment securities                                                     292                  183
   Other interest-earning assets                                              18                   34
                                                             --------------------   ------------------
        Total interest income                                              1,129                1,060
                                                             --------------------   ------------------

Interest expense:
   Deposits                                                                  342                  419
   Borrowed funds                                                              5                    8
                                                             --------------------   ------------------
        Total interest expense                                               347                  427
                                                             --------------------   ------------------

Net interest income before provision for loan losses                         782                  633
Provision for loan losses                                                     24                   24
                                                             --------------------   ------------------
        Net interest income after provision for loan losses                  758                  609
                                                             --------------------   ------------------

Non-interest income:
   Loan fees and late charges                                                 13                   14
   Account servicing and other                                                95                   81
   Gain on sale of real estate owned                                           2                    -
                                                             --------------------   ------------------
        Total non-interest income                                            110                   95
                                                             --------------------   ------------------

Non-interest expense:
   Compensation and benefits                                                 313                  305
   Occupany and equipment                                                     50                   56
   Service bureau and data processing                                         90                   74
   Federal insurance premiums                                                  3                    3
   Other expense                                                             147                  113
                                                             --------------------   ------------------
        Total non-interest expense                                           603                  551
                                                             --------------------   ------------------

        Income before provision for income taxes                             265                  153
Provision for income taxes                                                   102                   60
                                                             --------------------   ------------------
        Net income                                                           163                   93

Other comprehensive income, net of tax:
   Unrealized loss on securities available for sale, net of tax              (83)                  (2)
                                                             --------------------   ------------------
Comprehensive income                                                         $80                  $91
                                                             ====================   ==================

Earnings per common share:
  Basic                                                                    $0.39                $0.22
  Diluted                                                                  $0.39                $0.22

Weighted average number of shares outstanding:
  Basic                                                                      416                  415
  Diluted                                                                    419                  417
</TABLE>

See notes to unaudited consolidated financial statements.

                                        2
<PAGE>

ROEBLING FINANCIAL CORP, INC. AND SUBSIDIARY
CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME

(Unaudited)

(In Thousands)
<TABLE>
<CAPTION>

                                                                      For the Six Months Ended
                                                                              March 31,
                                                                 ------------------------------------
                                                                       2002               2001
                                                                 -----------------   ----------------
<S>                                                                     <C>                <C>
Interest income:
   Loans receivable                                                        $1,629             $1,681
   Investment securities                                                      580                394
   Other interest-earning assets                                               45                 78
                                                                 -----------------   ----------------
        Total interest income                                               2,254              2,153
                                                                 -----------------   ----------------

Interest expense:
   Deposits                                                                   733                852
   Borrowed funds                                                               5                  8
                                                                 -----------------   ----------------
        Total interest expense                                                738                860
                                                                 -----------------   ----------------

Net interest income before provision for loan losses                        1,516              1,293
Provision for loan losses                                                      48                 48
                                                                 -----------------   ----------------
        Net interest income after provision for loan losses                 1,468              1,245
                                                                 -----------------   ----------------

Non-interest income:
   Loan fees and late charges                                                  27                 29
   Account servicing and other                                                189                161
   Gain on sale of real estate owned                                            2                  -
                                                                 -----------------   ----------------
        Total non-interest income                                             218                190
                                                                 -----------------   ----------------

Non-interest expense:
   Compensation and benefits                                                  626                607
   Occupany and equipment                                                     106                107
   Service bureau and data processing                                         179                149
   Federal insurance premiums                                                   6                  5
   Other expense                                                              282                243
                                                                 -----------------   ----------------
        Total non-interest expense                                          1,199              1,111
                                                                 -----------------   ----------------

        Income before provision for income taxes                              487                324
Provision for income taxes                                                    189                127
                                                                 -----------------   ----------------
        Net income                                                            298                197

Other comprehensive income, net of tax:
   Unrealized gain (loss) on securities available for sale, net of tax       (161)                 2
                                                                 -----------------   ----------------
Comprehensive income                                                         $137               $199
                                                                 =================   ================

Earnings per common share:
  Basic                                                                     $0.72              $0.47
  Diluted                                                                   $0.71              $0.47

Weighted average number of shares outstanding:
  Basic                                                                       416                415
  Diluted                                                                     418                416
</TABLE>

See notes to unaudited consolidated financial statements.

                                        3

<PAGE>

ROEBLING FINANCIAL CORP, INC. AND SUBSIDIARY
CONSOLIDATED STATEMENT OF CHANGES IN STOCKHOLDERS' EQUITY

(Unaudited)

(In Thousands)
<TABLE>
<CAPTION>

                                                                                                       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, 2001                $43          $1,663             ($94)          $4,268            $95         $5,975

Net income for the six months
  ended March 31, 2001                         -               -                -              298              -            298

Change in unrealized gain (loss)
  on securities available for sale,
  net of income taxes                          -               -                -                -           (161)          (161)

Amortization of ESOP shares                    -               4                8                -              -             12
                                     ------------ ---------------  ---------------  ---------------  ------------  -------------

Balance at March 31, 2002                    $43          $1,667             ($86)          $4,566           ($66)        $6,124
                                     ============ ===============  ===============  ===============  =============  =============
</TABLE>


See notes to unaudited consolidated financial statements.

                                        4

<PAGE>

ROEBLING FINANCIAL CORP, INC. AND SUBSIDIARY
CONSOLIDATED STATEMENTS OF CASH FLOWS

(Unaudited)

(In Thousands)
<TABLE>
<CAPTION>
                                                                                      For the Six Months Ended
                                                                                              March 31,
                                                                                -------------------------------------
                                                                                      2002                2001
                                                                                -----------------   -----------------
<S>                                                                                     <C>                 <C>
Cash flows from operating activities:
   Net income                                                                            $   298             $   197
   Adjustments to reconcile net income to cash provided by
     operating activities:
         Depreciation                                                                         39                  36
         Amortization of premiums and discounts, net                                          30                   8
         Amortization of deferred loan fees and costs, net                                    16                  11
         Provision for loan losses                                                            48                  48
         Gain on sale of real estate owned                                                    (2)                  -
         Decrease  (increase) in other assets                                                  6                 (14)
         (Increase) decrease  in accrued interest receivable                                (118)                 28
         (Decrease) increase in accrued interest payable                                     (29)                 18
         Increase (decrease) in other liabilities                                            102                (247)
         Amortization of ESOP shares                                                          12                  11
                                                                                -----------------   -----------------
                   Net cash provided by operating activities                                 402                  96
                                                                                -----------------   -----------------

Cash flows from investing activities:
    Purchase of certificates of deposit                                                     (600)                  -
    Purchase of securities available for sale                                             (8,953)               (250)
    Proceeds from payments and maturities of securities available for sale                 3,402                   -
    Proceeds from payments and maturities of securities held to maturity                   1,280               3,770
    Loan originations, net of principal repayments                                        (3,364)             (1,248)
    Proceeds from sale of loans                                                              100                   -
    Proceeds from sale of real estate owned                                                   28                  13
    Purchase of Federal Home Loan Bank stock                                                 (86)                  -
    Purchase of premises and equipment                                                       (20)                (13)
                                                                                -----------------   -----------------
                   Net cash (used in) provided by investing activities                    (8,213)              2,272
                                                                                -----------------   -----------------

Cash flows from financing activities:
    Net increase in deposits                                                               2,300                 895
    Increase (decrease) in advance payments by borrowers for taxes
       and insurance                                                                           2                 (20)
                                                                                -----------------   -----------------
                   Net cash provided by financing activities                               2,302                 875
                                                                                -----------------   -----------------

    Net (decrease) increase in cash and cash equivalents                                  (5,509)              3,243
    Cash and cash equivalents at beginning of period                                       9,301               3,573
                                                                                -----------------   -----------------
    Cash and cash equivalents at end of period                                           $ 3,792             $ 6,816
                                                                                =================   =================

Supplemental Disclosures of Cash Flow Information:
    Cash paid for:
        Interest on deposits and borrowed funds                                              767                 842
        Income taxes                                                                         113                 391

Supplemental Schedule of Noncash Investing Activities:
    Change in unrealized (loss) gain on securities available for sale, net of tax           (161)                  2
</TABLE>

See notes to unaudited consolidated financial statements.

                                        5

<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
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 and six months ended March 31, 2002, are
not  necessarily  indicative  of the results to be expected  for the year ending
September  30,  2002,  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, 2001 included in the Company's Annual Report on form 10-KSB.

                                       6

<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.

         The Company's business is conducted  primarily through its wholly-owned
subsidiary,  Roebling  Bank ("the  Bank").  All  references to the Company refer
collectively to the Company and the Bank.

Overview

         For the three  months ended March 31,  2002,  the Company  reported net
income of $163,000, or $.39 per diluted share, from $93,000, or $.22 per diluted
share, for the same period in 2001. For the six months ended March 31, 2002, the
Company  reported  net  income of  $298,000,  or $.71 per  diluted  share,  from
$197,000, or $.47 per diluted share, for the same period in 2001.

Changes in Financial Condition

         Total assets  increased  by $2.5 million to $75.6  million at March 31,
2002,  from $73.1  million at  September  30,  2001.  Cash and cash  equivalents
decreased  by $5.5  million,  from $9.3  million at  September  30, 2001 to $3.8
million  at March  31,  2002.  The cash  funds  were  reinvested  in  investment
securities  and loans  receivable.  At March  31,  2002,  investment  securities
available for sale increased $5.3 million and loans receivable,  net,  increased
$3.2 million.  Within the loan  portfolio,  the majority of the change came from
within the one-to-four family residential loan portfolio. This was the result of
a strong refinance market in a low interest rate environment. Additional funding
for the  increases  in the  investment  securities  and  loan  receivable,  net,
portfolios  was  provided by  deposits,  which  increased  $2.3 million to $68.5
million at March 31, 2002, from $66.2 million at September 30, 2001.

Results of Operations

         Net Interest  Income.  For the  three-months  ended March 31, 2002, the
Company  reported  net  interest  income  before  provision  for loan  losses of
$782,000, which represents an increase of $149,000, or 24%, over the same period
in 2001.  The increase in net  interest  income was the result of an increase in
interest  income of $69,000 and a decrease in interest  expense of $80,000.  The
interest  rate spread  increased  to 4.03% for the three  months ended March 31,
2002 from  3.87% for the  three  months  ended  March  31,  2001,  while the net
interest margin decreased slightly to 4.45% from 4.55% for the same periods. For
the  six-month  period ended March 31, 2002,  the Company  reported net interest
income before  provision for loan losses of  $1,516,000,  compared to $1,293,000
for the six months ended March 31, 2001.  The interest rate spread was 3.93% for
the six months  ended March 31, 2002  compared to 3.97% for the six months ended
March 31, 2001, while the net interest margin was 4.37% and 4.65%, respectively,
for the same periods.

         The  average  balance  of total  interest-earning  assets for the three
months  ended March 31, 2002  increased by $15.6  million  compared to the three
months ended March 31,  2001,  while the average  yield  decreased to 6.42% from
7.66%.  The  increase in total  interest  income of $69,000 for the three months
ended March 31, 2002 is comprised of a decrease in interest income of $24,000 on
loans  receivable,  offset by an  increase  in  interest  income of  $93,000  on
investment  securities  and other  interest-earning  assets.  While average loan
receivable  balances  increased by $4.5 million for the three months ended March
31,  2002,  the  average  yield  declined  to 7.20% from 8.13% for the same 2001
period.  Additionally,  for the three months  ended March 31, 2002,  the average
balance of investment securities and other interest-earning  assets increased by
$11.0 million. Such increase was offset by a decline in the average yield, which
fell to 4.98% from 6.26% for the same 2001 period.

                                       7
<PAGE>

         Average interest-bearing liabilities increased by $13.0 million for the
three months  ended March 31, 2002  compared to the three months ended March 31,
2001.  The cost of  interest-bearing  liabilities  decreased  to  2.39%  for the
three-month  period ended March 31, 2002,  compared to 3.79% for the same period
of 2001.

         Provision  for Loan Losses.  The  provision for loan losses was $24,000
and $48,000,  respectively,  for the three and six-month periods ended March 31,
2002 and 2001.  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 $15,000, or 16%, to
$110,000 for the three months ended March 31, 2002, compared to $95,000 for same
period in 2001.  Non-interest  income increased $28,000, or 15%, to $218,000 for
the six months  ended March 31,  2002,  compared to $190,000  for same period in
2001.  Increases in non-interest  income were primarily due to increases in fees
related  to ATM  and  debit  card  transactions  and  increased  demand  deposit
accounts.

         Non-interest  Expense.  Total  non-interest  expense  for the three and
six-month   periods  ended  March  31,  2002,   was  $603,000  and   $1,199,000,
respectively,  compared to $551,000 and $1,111,000 for the same periods in 2001.
The most  significant  increases  were in  service  bureau  and data  processing
expense and other expense. Service bureau and data processing expenses increased
due to an increase in overall  data and check  processing  costs  related to the
increase  in  deposit  account  balances.   Most  categories  of  other  expense
increased,  with the most  significant  increases  related to ATM and debit card
transactions and legal fees.

Liquidity and Regulatory Capital Compliance

         On March 31, 2002, the Bank was in compliance with its three regulatory
capital requirements as follows:

                                                     Amount         Percent
                                                     ------         -------

Tangible capital                                     $6,040           7.98%
Tangible capital requirement                          1,135           1.50%
                                                     ------           ----
Excess over requirement                              $4,905           6.48%
                                                     ======           ====

Core capital                                         $6,040           7.98%
Core capital requirement                              3,027           4.00%
                                                     ------           ----
Excess over requirement                              $3,013           3.98%
                                                     ======           ====

Risk-based capital                                   $6,398          14.83%
Risk-based capital requirement                        3,451           8.00%
                                                     ------           ----
Excess over requirement                              $2,947           6.83%
                                                     ======           ====


         The Company anticipates that it will have sufficient funds available to
meet its current  commitments.  As of March 31, 2002,  the Bank had  outstanding
commitments  to fund  loans of $3.2  million.  At March  31,  2002,  there  were
commitments on unused lines of credit of $5.2 million.  Certificates  of deposit
scheduled  to  mature in one year or less as of March 31,  2002,  totaled  $20.5
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 March 31,
                                                       2002(1)        2001(1)
                                                    ------------   -------------

Earnings per common share (2):
    Basic                                               $0.39         $0.22
    Diluted                                             $0.39         $0.22
Return on average assets (1)                              .86%         0.63%
Return on average equity (1)                            10.72%         6.59%
Interest rate spread (1)                                 4.03%         3.87%
Net interest margin (1)                                  4.45%         4.55%
Non-interest expense to average assets (1)               3.19%         3.70%
Non-performing assets to total assets                     .19%          .40%
Non-performing loans to total loans                       .32%          .51%


                                                           At March 31,
                                                        2002           2001
                                                    ------------   -------------

Tangible book value per share (3)                      $14.39         $13.39

--------------
(1)      The ratios for the three-month period presented are annualized.
(2)      The average number of shares  outstanding during the three months ended
         March 31,  2002,  was 416,484  basic and 418,906  diluted.  The average
         number of shares  outstanding  during the three  months ended March 31,
         2001, was 414,916 basic and 416,916 diluted.
(3)      There were 425,500 shares outstanding as of March 31, 2002.


                                                     For the Six Months Ended
                                                             March 31,
                                                       2002(1)        2001(1)
                                                    ------------   -------------

Earnings per common share (2):
    Basic                                               $0.72         $0.47
    Diluted                                             $0.71         $0.47
Return on average assets (1)                              .80%         0.66%
Return on average equity (1)                             9.82%         7.03%
Interest rate spread (1)                                 3.93%         3.97%
Net interest margin (1)                                  4.37%         4.65%
Non-interest expense to average assets (1)               3.20%         3.72%

-----------------
(1)      The ratios for the six-month period presented are annualized.
(2)      The average  number of shares  outstanding  during the six months ended
         March 31,  2002,  was 416,288  basic and 418,256  diluted.  The average
         number of shares  outstanding  during  the six months  ended  March 31,
         2001, was 414,720 basic and 416,470 diluted.

                                       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.        CHANGES IN SECURITIES

               Not applicable.

ITEM 3.        DEFAULTS UPON SENIOR SECURITIES

               Not applicable.

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

                  The Annual Meeting of  Stockholders of the Company was held on
                  January 28, 2002 and the following matters were voted upon:

                  Proposal I - Election of Directors for terms to expire in 2005

                                                       For            Withheld
                                                       ---            --------
                  Joan K. Geary                      361,316          16,615
                  Robert R. Semptimphelter, Sr.      369,816           8,115

                  Proposal II - Ratification of Appointment of  Accountants  for
                  the fiscal year ended September 30, 2002

                             For             Against           Abstain
                             ---             -------           -------
                           370,161            7,650              120


ITEM 5.        OTHER MATERIALLY IMPORTANT EVENTS

               Not applicable.

ITEM 6.        EXHIBITS AND REPORTS ON FORM 8-K

               3(a)     List of Exhibits:

                        3.1      Federal Stock Charter*
                        3.2      Bylaws*
                        4.0      Form of Stock Certificate*
                       10.2      Directors' Retirement Plan**
                       10.3      Stock Option Plan*
                       10.4      Restricted Stock Plan*

------------------
     *    Incorporated  herein by reference  to the Form 8-K12G3  filed with the
          Commission on February 1, 2000.
     **   Incorporated  herein by  reference  to the Form  8-K/A  filed with the
          Commission on February 24, 2000.

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<PAGE>

                          ROEBLING FINANCIAL CORP, INC.

                                   SIGNATURES


         Pursuant to the  requirements  of the Securities  Exchange act of l934,
         the  registrant  has duly caused this report to be signed on its behalf
         by the undersigned thereunto duly authorized.


                                  ROEBLING FINANCIAL CORP, INC.


Date:  April 29, 2002             By: /s/Robert P. Hawkins, Jr.
                                      ------------------------------------------
                                      Robert P. Hawkins, Jr.
                                      President  and Chief Executive Officer
                                      (Principal Executive Officer)

Date:  April 29, 2002             By: /s/John Y. Leacott
                                      ------------------------------------------
                                      John Y. Leacott
                                      Vice President and Chief Financial Officer
                                      (Principal Accounting Officer)



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