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     June 30, 2003
                                ------------------

                                       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 Small Business Issuer 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)


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)


                      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: July 30, 2003

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


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

<PAGE>



                          ROEBLING FINANCIAL CORP, INC.
                                   FORM 10-QSB
                       FOR THE QUARTER ENDED JUNE 30, 2003

                                      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 - 10
Item 3.  Controls and Procedures                                           10

PART II - OTHER INFORMATION

Item 1.  Legal Proceedings                                                 11
Item 2.  Changes in Securities and Use of Proceeds                         11
Item 3.  Defaults upon Senior Securities                                   11
Item 4.  Submission of Matters to a Vote of Security Holders               11
Item 5.  Other Information                                                 11
Item 6.  Exhibits and Reports on Form 8-K                                  11

SIGNATURES                                                                 12



<PAGE>


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

(Unaudited)

(In Thousands)


<TABLE>
<CAPTION>
                                                                   June 30,     September 30,
                                                                     2003           2002
                                                                 ------------   -------------
<S>                                                              <C>             <C>
Assets

Cash and due from banks                                             $ 2,367         $ 2,061
Interest-bearing deposits                                               793           5,162
                                                                    -------         -------
     Total cash and cash equivalents                                  3,160           7,223

Certificates of deposit                                               1,900             900
Investment securities available for sale                             23,591          23,143
Invesment securities held to maturity                                 1,941           3,080
Loans receivable, net                                                54,260          45,731
Accrued interest receivable                                             429             448
Federal Home Loan Bank of New York stock, at cost                       564             472
Premises and equipment                                                1,410           1,135
Other assets                                                             45              85
                                                                    -------         -------
     Total assets                                                   $87,300         $82,217
                                                                    =======         =======

Liabilities and Stockholders' Equity

Liabilities

Deposits                                                            $79,118         $74,361
Borrowed funds                                                           23               -
Advances from borrowers for taxes and insurance                         457             409
Accrued interest payable                                                 16              30
Other liabilities                                                       516             685
                                                                    -------         -------
     Total liabilities                                               80,130          75,485
                                                                    -------         -------

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                                            1,686           1,674
Unallocated employee stock ownership plan shares                        (67)            (79)
Retained earnings - substantially restricted                          5,274           4,850
Accumulated other comprehensive income - unrealized gain
  on securities available for sale, net of tax                          234             244
                                                                    -------         -------
     Total stockholders' equity                                       7,170           6,732
                                                                    -------         -------

     Total liabilities and stockholders' equity                     $87,300         $82,217
                                                                    =======         =======
</TABLE>


See notes to unaudited consolidated financial statements.


                                       1

<PAGE>



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

(Unaudited)

(In Thousands)

<TABLE>
<CAPTION>
                                                                     For the Three Months Ended
                                                                             June 30,
                                                                    ---------------------------
                                                                       2003             2002
                                                                    ----------       ----------
<S>                                                                <C>              <C>

Interest income:
   Loans receivable                                                    $  857           $  814
   Investment securities                                                  228              290
   Other interest-earning assets                                           29               25
                                                                       ------           ------
        Total interest income                                           1,114            1,129
                                                                       ------           ------
Interest expense:
   Deposits                                                               283              342
                                                                       ------           ------
        Total interest expense                                            283              342
                                                                       ------           ------

Net interest income before provision for loan losses                      831              787
Provision for loan losses                                                  12               24
                                                                       ------           ------
        Net interest income after provision for loan losses               819              763
                                                                       ------           ------

Non-interest income:
   Loan fees and late charges                                              23               16
   Account servicing and other                                            103               88
   Gain on sale of loans                                                    5                -
                                                                       ------           ------
        Total non-interest income                                         131              104
                                                                       ------           ------

Non-interest expense:
   Compensation and benefits                                              352              332
   Occupany and equipment                                                  61               57
   Service bureau and data processing                                     102               86
   Federal insurance premiums                                               3                3
   Other expense                                                          151              127
                                                                       ------           ------
        Total non-interest expense                                        669              605
                                                                       ------           ------

        Income before provision for income taxes                          281              262
Provision for income taxes                                                118              101
                                                                       ------           ------
        Net income                                                        163              161

Other comprehensive income, net of tax:
   Unrealized gain on securities available for sale, net of tax            18              246
                                                                       ------           ------
Comprehensive income                                                   $  181           $  407
                                                                       ======           ======

Earnings per common share:
  Basic                                                                 $0.39            $0.39
  Diluted                                                               $0.39            $0.38

Weighted average number of shares outstanding:
  Basic                                                                   418              417
  Diluted                                                                 422              421

</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 Nine Months Ended
                                                                                      June 30,
                                                                              -------------------------
                                                                                2003            2002
                                                                              ---------       ---------
<S>                                                                        <C>              <C>

Interest income:
   Loans receivable                                                            $2,462           $2,443
   Investment securities                                                          754              870
   Other interest-earning assets                                                   93               70
                                                                               ------           ------
        Total interest income                                                   3,309            3,383
                                                                               ------           ------

Interest expense:
   Deposits                                                                       915            1,075
   Borrowed funds                                                                   -                5
                                                                               ------           ------
        Total interest expense                                                    915            1,080
                                                                               ------           ------

Net interest income before provision for loan losses                            2,394            2,303
Provision for loan losses                                                          48               72
                                                                               ------           ------
        Net interest income after provision for loan losses                     2,346            2,231
                                                                               ------           ------

Non-interest income:
   Loan fees and late charges                                                      56               43
   Account servicing and other                                                    302              277
   Gain on sale of loans                                                           11                -
   Gain on sale of real estate owned                                                -                2
                                                                               ------           ------
        Total non-interest income                                                 369              322
                                                                               ------           ------

Non-interest expense:
   Compensation and benefits                                                    1,049              958
   Occupany and equipment                                                         197              163
   Service bureau and data processing                                             295              265
   Federal insurance premiums                                                       9                9
   Other expense                                                                  433              409
                                                                               ------           ------
        Total non-interest expense                                              1,983            1,804
                                                                               ------           ------

        Income before provision for income taxes                                  732              749
Provision for income taxes                                                        308              290
                                                                               ------           ------
        Net income                                                                424              459

Other comprehensive income, net of tax:
   Unrealized gain (loss) on securities available for sale, net of tax            (10)              85
                                                                               ------           ------
Comprehensive income                                                           $  414           $  544
                                                                               ======           ======

Earnings per common share:
  Basic                                                                         $1.02            $1.10
  Diluted                                                                       $1.01            $1.10

Weighted average number of shares outstanding:
  Basic                                                                           418              416
  Diluted                                                                         422              419

See notes to unaudited consolidated financial statements.

</TABLE>


                                        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, 2002              $43      $1,674       ($79)        $4,850       $244           $6,732

Net income for the nine months
  ended June 30, 2003                        -           -          -            424          -              424

Change in unrealized gain on
  securities available for sale,
  net of income taxes                        -           -          -              -         (10)            (10)

Amortization of ESOP shares                  -          12         12              -           -              24
                                           ---      ------       ----         ------        ----          ------

Balance at June 30, 2003                   $43      $1,686       ($67)        $5,274        $234          $7,170
                                           ===      ======       ====         ======        ====          ======

</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 Nine Months Ended
                                                                                       June 30,
                                                                                -------------------------
                                                                                   2003           2002
                                                                                ----------     ----------
<S>                                                                           <C>            <C>

Cash flows from operating activities:
   Net income                                                                    $   424        $    459
   Adjustments to reconcile net income to cash provided by
     operating activities:
         Depreciation                                                                 71              61
         Amortization of premiums and discounts, net                                  93              42
         Amortization of deferred loan fees and costs, net                            31              30
         Provision for loan losses                                                    48              72
         Gain on sale of loans                                                       (11)              -
         Gain on sale of real estate owned                                             -              (2)
         Decrease  in other assets                                                    40              20
         Decrease (increase) in accrued interest receivable                           19             (64)
         Decrease in accrued interest payable                                        (14)            (33)
         (Decrease) increase in other liabilities                                   (162)            177
         Amortization of ESOP shares                                                  24              20
                                                                                --------        --------
                   Net cash provided by operating activities                         563             782
                                                                                --------        --------

Cash flows from investing activities:
    Purchase of certificates of deposit                                           (1,000)           (600)
    Purchase of securities available for sale                                    (15,890)        (14,217)
    Proceeds from payments and maturities of securities available for sale        15,332           5,253
    Proceeds from payments and maturities of securities held to maturity           1,139           1,656
    Loan originations, net of principal repayments                               (12,263)         (3,970)
    Proceeds from sale of loans                                                    3,666             184
    Proceeds from sale of real estate owned                                            -              28
    Purchase of Federal Home Loan Bank stock                                         (92)            (86)
    Purchase of premises and equipment                                              (346)            (80)
                                                                                --------        --------
                   Net cash used in investing activities                          (9,454)        (11,832)
                                                                                --------        --------

Cash flows from financing activities:
    Net increase in deposits                                                       4,757           4,818
    Proceeds from other borrowed funds                                                26               -
    Repayment of other borrowed funds                                                 (3)              -
    Increase in advance payments by borrowers for taxes
       and insurance                                                                  48              14
                                                                                --------        --------
                   Net cash provided by financing activities                       4,828           4,832
                                                                                --------        --------

    Net decrease in cash and cash equivalents                                     (4,063)         (6,218)
    Cash and cash equivalents at beginning of period                               7,223           9,301
                                                                                --------        --------
    Cash and cash equivalents at end of period                                  $  3,160        $  3,083
                                                                                ========        ========

Supplemental Disclosures of Cash Flow Information:
    Cash paid for:
        Interest on deposits and borrowed funds                                      929           1,113
        Income taxes                                                                 359             183

Supplemental Schedule of Noncash Investing Activities:
    Change in unrealized gain on securities available for sale, net of tax           (10)             85

</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 nine months ended June 30, 2003, are
not  necessarily  indicative  of the results to be expected  for the year ending
September  30,  2003,  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, 2002 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 is in the mutual  holding  ("MHC")  form of  organization.  The
Company has  outstanding  425,500  shares of common stock,  of which 195,960 are
owned by public  stockholders  and the remainder of which are held by the mutual
holding  company.  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

     At June 30, 2003, the Company had total assets,  deposits and stockholders'
equity of $87.3 million, $79.1 million and $7.2 million,  respectively.  For the
three months ended June 30, 2003,  the Company  reported net income of $163,000,
or $.39 per diluted share,  compared to $161,000, or $.38 per diluted share, for
the same  period in 2002.  For the nine  months  ended June 30, 2003 the Company
reported  net  income of  $424,000,  or $1.01 per  diluted  share,  compared  to
$459,000, or $1.10 per diluted share, for the same period in 2002.

Changes in Financial Condition

     Total assets  increased by $5.1 million to $87.3  million at June 30, 2003,
from $82.2 million at September 30, 2002. Cash and cash equivalents decreased by
$4.0  million,  from $7.2 million at September  30, 2002 to $3.2 million at June
30, 2003.  Investment  securities  decreased by $700,000,  from $26.2 million at
September  30,  2002 to $25.5  million  at June 30,  2003.  The cash  funds were
reinvested in  certificates of deposit and loans  receivable.  At June 30, 2003,
certificates  of deposit  increased  $1.0  million  and loans  receivable,  net,
increased  $8.5  million.  The increase in loans  receivable,  net was primarily
attributable to the one-to-four family residential loan portfolio.  This was the
result of a continued  strong  refinance  market in a historically  low interest
rate  environment.  Additional  funding for the increases in the certificates of
deposit and loan  receivable,  net,  portfolios was provided by deposits,  which
increased $4.7 million to $79.1 million at June 30, 2003,  from $74.4 million at
September 30, 2002.

Results of Operations

     Net Interest Income.  For the three-months ended June 30, 2003, the Company
reported net interest  income before  provision for loan losses of $831,000,  an
increase of $44,000  over the same period in 2002.  The increase in net interest
income was attributable to a decrease in interest expense of $59,000,  partially
offset by a decrease in interest  income of $15,000.  The  interest  rate spread
decreased slightly to 3.86% for the three months ended June 30, 2003, from 3.95%
for the three  months  ended  June 30,  2002,  as the yield on  interest-earning
assets  decreased more than the cost of  interest-bearing  liabilities.  For the
nine-month  period ended June 30, 2003, the Company reported net interest income
before  provision for loan losses of $2,394,000,  compared to $2,303,000 for the
nine months ended June 30, 2002. The interest rate spread was 3.69% for the nine
months ended June 30, 2003  compared to 3.95% for the nine months ended June 30,
2002, while the net interest margin was 4.03% and 4.36%,  respectively,  for the
same periods.

     The average balance of total  interest-earning  assets for the three months
ended June 30, 2003 increased by $7.8 million compared to the three months ended
June 30,  2002,  while the average  yield  decreased  to 5.57% from  6.21%.  The
decrease in total interest income of $15,000 for the three months ended June 30,
2003 is  comprised  of a decrease  of $62,000 in interest  income on  investment
securities,  partially  offset by an increase  in interest  income of


                                       7

<PAGE>


$43,000 on loans  receivable  and an increase  in  interest  income of $4,000 on
other interest-earning  assets. While average loan receivable balances increased
by $6.7 million for the three  months ended June 30, 2003  compared to the three
months ended June 30, 2002, the average yield declined to 6.57% from 7.10%.  For
the three  months  ended  June 30,  2003,  the  average  balance  of  investment
securities increased by $1.3 million compared to the same 2002 period, while the
yield   decreased   to  3.64%  from  4.90%.   The   average   balance  of  other
interest-earning  assets  decreased  by $300,000 for the three months ended June
30,  2003  compared to the three  months  ended June 30,  2002,  while the yield
increased to 3.88% from 2.99%.

     Average  interest-bearing  liabilities  increased  by $5.8  million for the
three  months  ended June 30, 2003  compared to the three  months ended June 30,
2002.  The cost of  interest-bearing  liabilities  decreased  to  1.71%  for the
three-month period ended June 30, 2003, compared to 2.26% for the same period of
2002.

     Provision  for Loan Losses.  The  provision for loan losses was $12,000 and
$48,000, respectively, for the three and nine-month periods ended June 30, 2003,
compared  to  $24,000  and  $72,000  for the same  periods  in 2002.  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  $27,000,  or 26%, to
$131,000 for the three months ended June 30, 2003,  compared to $104,000 for the
same period in 2002.  Non-interest income increased $47,000, or 15%, to $369,000
for the nine months  ended June 30,  2003,  compared  to  $322,000  for the same
period in 2002. Increases in non-interest income were primarily due to increases
in fees  related to ATM and debit card  transactions,  return  check fees and an
increase in late charges and prepayment fees collected on loans

     Non-interest  Expense.   Total  non-interest  expense  for  the  three  and
nine-month   periods  ended  June  30,  2003,   was  $669,000  and   $1,983,000,
respectively,  compared to $605,000 and $1,804,000 for the same periods in 2002.
Increases in  compensation  and benefits  expense are primarily  attributable to
merit raises to our  employees,  staff  additions to  accommodate  the continued
growth of the Bank and increased  benefit  costs.  The increase in occupancy and
equipment expense for the nine-month period ended June 30, 2003 was attributable
to the Bank's expansion  activities in the fall of 2002 to the main office which
included the  installation of a new ATM and night  depository,  increased retail
banking floor space,  and an additional  drive-up lane and parking  spaces.  The
expansion  activities  have  increased  the Bank's  capacity to open and service
accounts for the benefit of its  customers.  Increased  occupancy  and equipment
expenses are also  attributable  to the  replacement of an ATM at the Bank's New
Egypt location.  Service bureau and data processing  expense increased due to an
increase  in overall  data  processing  costs to  service  the growth in deposit
accounts,  as well as expenses in connection with a conversion project. The Bank
is in  the  process  of  converting  from  its  primary  third-party  core  data
processing  service  provider  to  a  new  provider.  In  conjunction  with  the
conversion,  the Bank is also  installing a wide area network and replacing much
of its data  processing  equipment.  The  conversion is scheduled for the fourth
quarter of 2003. The most significant  increases in other expense are related to
ATM and debit card transactions,  which are also attributable to deposit account
growth.

     Provision  for Income  Taxes.  In July,  2002,  the New Jersey  legislature
passed  changes to the  Corporation  Business Tax ("CBT").  One of these changes
repealed  the  3%  Savings   Institution   Tax,  thus   subjecting  all  savings
institutions to the 9% CBT. This is applicable to the state taxes calculated for
the Bank, as the state tax return is filed on an unconsolidated  basis. As state
taxes are deductible in the calculation of federal income taxes,  the net effect
of this tax change is an increase in tax expense of  approximately 4% of taxable
income.  This tax rate change is  effective  for the year  beginning  October 1,
2002.

                                       8

<PAGE>



Liquidity and Regulatory Capital Compliance

     On June 30,  2003,  the Bank was in  compliance  with its three  regulatory
capital requirements as follows:

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

Tangible capital                                $6,786           7.80%
Tangible capital requirement                     1,305           1.50%
                                                ------          -----
Excess over requirement                         $5,481           6.30%
                                                ======          =====

Core capital                                    $6,786           7.80%
Core capital requirement                         3,479           4.00%
                                                ------          -----
Excess over requirement                         $3,307           3.80%
                                                ======          =====

Risk-based capital                              $7,257          15.31%
Risk-based capital requirement                   3,792           8.00%
                                                ------          -----
Excess over requirement                         $3,465           7.31%
                                                ======          =====


     The Company  anticipates  that it will have  sufficient  funds available to
meet its current  commitments.  As of June 30,  2003,  the Bank had  outstanding
commitments   to  originate  and  sell  loans  of  $4.1  million  and  $369,000,
respectively.  There were also  commitments of $500,000  outstanding at June 30,
2003 to purchase investment securities. At June 30, 2003, there were commitments
on unused lines of credit of $6.5 million and $110,000 in outstanding letters of
credit.  Certificates  of deposit  scheduled to mature in one year or less as of
June 30, 2003, totaled $18.1 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.

                                       9

<PAGE>



Additional Key Operating Ratios
                                                   At or for the Three Months
                                                         Ended June 30,
                                                   --------------------------
                                                     2003(1)         2002(1)
                                                   ----------      ----------

Earnings per common share (2):
    Basic                                             $0.39         $0.39
    Diluted                                           $0.39         $0.38
Return on average assets (1)                            .76%         0.83%
Return on average equity (1)                           9.24%        10.30%
Interest rate spread (1)                               3.86%         3.95%
Net interest margin (1)                                4.18%         4.35%
Non-interest expense to average assets (1)             3.11%         3.12%
Non-performing assets to total assets                   .03%          .18%
Non-performing loans to total loans                     .05%          .31%


                                                           At June 30,
                                                   ------------------------
                                                      2003           2002
                                                   ---------      ---------

Tangible book value per share (3)                   $16.85          $15.37

--------------
(1)  The ratios for the three-month period presented are annualized.
(2)  The average number of shares outstanding during the three months ended June
     30, 2003,  was 418,444  basic and 421,639  diluted.  The average  number of
     shares outstanding during the three months ended June 30, 2002, was 416,876
     basic and 420,682 diluted.
(3)  There were 425,500 shares outstanding as of June 30, 2003.


                                                      For the Nine Months Ended
                                                              June 30,
                                                      -------------------------
                                                        2003(1)        2002(1)
                                                      ----------     ----------
Earnings per common share (2):
    Basic                                                $1.02         $1.10
    Diluted                                              $1.01         $1.10
Return on average assets (1)                               .67%         0.81
Return on average equity (1)                              8.15%         9.97%
Interest rate spread (1)                                  3.69%         3.95%
Net interest margin (1)                                   4.03%         4.36%
Non-interest expense to average assets (1)                3.12%         3.17%

--------------
(1)  The ratios for the nine-month period presented are annualized.
(2)  The average number of shares  outstanding during the nine months ended June
     30, 2003,  was 418,052  basic and 421,759  diluted.  The average  number of
     shares  outstanding during the nine months ended June 30, 2002, was 416,484
     basic and 419,064 diluted.

Controls and Procedures

     (a)  Evaluation  of  disclosure  controls  and  procedures.  Based on their
evaluation of the Company's  disclosure  controls and  procedures (as defined in
Rule 13a-15(e) under the Securities  Exchange Act of 1934 (the "Exchange Act")),
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 Exchange Act is recorded,  processed,  summarized and reported
within the time periods  specified in Securities and Exchange  Commission  rules
and forms.


                                       10


<PAGE>


                          ROEBLING FINANCIAL CORP, INC.

                                     Part II


ITEM 1.   LEGAL PROCEEDINGS

          Thereare  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

          Not applicable.

ITEM 5.   OTHER INFORMATION

          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*
               31   Section 302 Certifications
               32   Certification  pursuant to 18 U.S.C.ss.1350

          3(b) Reports on Form 8-K

               None

------------------
*    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.


                                       11

<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:  July 31, 2003          By: /s/ Frank J. Travea, III
                                  ----------------------------------------------
                                  Frank J. Travea, III
                                  President and Chief Executive Officer
                                  (Principal Executive Officer)



Date:  July 31, 2003          By: /s/ Janice A. Summers
                                  ----------------------------------------------
                                  Janice A. Summers
                                  Senior Vice President, Chief Operating Officer
                                    and Chief Financial Officer
                                  (Principal Accounting Officer)