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      June 30, 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                                 (I.R.S. employer
of incorporation or organization)                            identification no.)


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 August 5, 2002

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


<PAGE>



                          ROEBLING FINANCIAL CORP, INC.
                                   FORM 10-QSB
                       FOR THE QUARTER ENDED JUNE 30, 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>
                                                                  June 30,    September 30,
                                                                    2002          2001
                                                                 ---------    ------------
<S>                                                             <C>           <C>

Assets

Cash and due from banks                                            $2,783        $2,816
Interest-bearing deposits                                             300         6,485
                                                                 ---------    ----------
     Total cash and cash equivalents                                3,083         9,301

Certificates of deposit                                               900           300
Investment securities available for sale                           21,179        12,216
Invesment securities held to maturity                               4,705         6,273
Loans receivable, net                                              46,780        43,096
Real estate owned                                                       -            26
Accrued interest receivable                                           449           385
Federal Home Loan Bank of New York stock, at cost                     472           386
Premises and equipment                                              1,050         1,031
Other assets                                                           38           118
                                                                 ---------    ----------
     Total assets                                                 $78,656       $73,132
                                                                 =========    ==========

Liabilities and Stockholders' Equity

Liabilities

Deposits                                                          $71,018       $66,200
Advances from borrowers for taxes and insurance                       440           426
Accrued interest payable                                               29            62
Other liabilities                                                     630           469
                                                                 ---------    ----------
     Total liabilities                                             72,117        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                                          1,671         1,663
Unallocated employee stock ownership plan shares                      (82)          (94)
Retained earnings - substantially restricted                        4,727         4,268
Accumulated other comprehensive income - unrealized
  gain on securities available for sale, net of tax                   180            95
                                                                 ---------    ----------
     Total stockholders' equity                                     6,539         5,975
                                                                 ---------    ----------

     Total liabilities and stockholders' equity                   $78,656       $73,132
                                                                 =========    ==========
</TABLE>

See notes to consolidated financial statements.


                                       1
<PAGE>


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

                                  (Unaudited)

                                 (In Thousands)


<TABLE>
                                                                  For the Three Months Ended
                                                                            June 30,
                                                                  ---------------------------
                                                                    2002               2001
                                                                  --------           --------
<S>                                                             <C>                <C>
Interest income:
   Loans receivable                                                  $814               $818
   Investment securities                                              290                163
   Other interest-earning assets                                       25                 78
                                                                  --------           --------
        Total interest income                                       1,129              1,059
                                                                  --------           --------

Interest expense:
   Deposits                                                           342                436
                                                                  --------           --------
        Total interest expense                                        342                436
                                                                  --------           --------

Net interest income before provision for loan losses                  787                623
Provision for loan losses                                              24                 19
                                                                  --------           --------
        Net interest income after provision for loan losses           763                604
                                                                  --------           --------

Non-interest income:
   Loan fees and late charges                                          16                 14
   Account servicing and other                                         88                 88
   Gain on sale of loans                                                -                  1
                                                                  --------           --------
        Total non-interest income                                     104                103
                                                                  --------           --------
Non-interest expense:
   Compensation and benefits                                          332                300
   Occupany and equipment                                              57                 52
   Service bureau and data processing                                  86                 75
   Federal insurance premiums                                           3                  2
   Other expense                                                      127                124
                                                                  --------           --------
        Total non-interest expense                                    605                553
                                                                  --------           --------

        Income before provision for income taxes                      262                154
Provision for income taxes                                            101                 61
                                                                  --------           --------
        Net income                                                    161                 93

Other comprehensive income, net of tax:
   Unrealized gain on securities available for sale, net of tax       246                  7
                                                                  --------           --------
Comprehensive income                                                 $407               $100
                                                                  ========           ========

Earnings per common share:
  Basic                                                             $0.39              $0.22
  Diluted                                                           $0.38              $0.22

Weighted average number of shares outstanding:
  Basic                                                               417                415
  Diluted                                                             421                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>
                                                                       For the Nine Months Ended
                                                                               June 30,
                                                                       -------------------------
                                                                          2002            2001
                                                                       ---------        --------
<S>                                                                   <C>            <C>

Interest income:
   Loans receivable                                                      $2,443         $2,499
   Investment securities                                                    870            557
   Other interest-earning assets                                             70            157
                                                                       ---------        -------
        Total interest income                                             3,383          3,213
                                                                       ---------        -------

Interest expense:
   Deposits                                                               1,075          1,288
   Borrowed funds                                                             5              8
                                                                       ---------        -------
        Total interest expense                                            1,080          1,296
                                                                       ---------        -------

Net interest income before provision for loan losses                      2,303          1,917
Provision for loan losses                                                    72             67
                                                                       ---------        -------
        Net interest income after provision for loan losses               2,231          1,850
                                                                       ---------        -------

Non-interest income:
   Loan fees and late charges                                                43             44
   Account servicing and other                                              277            248
   Gain on sale of loans                                                      -              1
   Gain on sale of real estate owned                                          2              -
                                                                       ---------        -------
        Total non-interest income                                           322            293
                                                                       ---------        -------

Non-interest expense:
   Compensation and benefits                                                958            907
   Occupany and equipment                                                   163            159
   Service bureau and data processing                                       265            223
   Federal insurance premiums                                                 9              8
   Other expense                                                            409            367
                                                                       ---------        -------
        Total non-interest expense                                        1,804          1,664
                                                                       ---------        -------

        Income before provision for income taxes                            749            479
Provision for income taxes                                                  290            189
                                                                       ---------        -------
        Net income                                                          459            290

Other comprehensive income, net of tax:
   Unrealized gain on securities available for sale, net of tax              85             10
                                                                       ---------        -------
Comprehensive income                                                       $544           $300
                                                                       =========        =======

Earnings per common share:
  Basic                                                                   $1.10          $0.70
  Diluted                                                                 $1.10          $0.70

Weighted average number of shares outstanding:
  Basic                                                                     416            415
  Diluted                                                                   419            417


</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>

                                              Additional                         Accumulated 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 nine months
  ended June 30, 2002                   -         -            -           459           -              459

Change in unrealized gain (loss)
  on securities available for sale,
  net of income taxes                   -         -            -             -          85               85

Amortization of ESOP shares             -         8           12             -           -               20
                                    ------  --------     --------      --------   ---------         --------

Balance at June 30, 2002              $43     $1,671        ($82)       $4,727        $180           $6,539
                                    ======   =======     ========      ========   =========         ========

</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>
                                                                                      For the Nine Months Ended
                                                                                              June 30,
                                                                                    ----------------------------
                                                                                        2002             2001
                                                                                    -------------    -----------
<S>                                                                                <C>               <C>

Cash flows from operating activities:
   Net income                                                                            $459            $290
   Adjustments to reconcile net income to cash provided by
     operating activities:
         Depreciation                                                                      61              55
         Amortization of premiums and discounts, net                                       42              12
         Amortization of deferred loan fees and costs, net                                 30              17
         Provision for loan losses                                                         72              67
         Provision for losses on real estate owned                                          -               5
         Gain on sale of loans                                                              -              (1)
         Gain on sale of real estate owned                                                 (2)              -
         Decrease  (increase) in other assets                                              20             (44)
         (Increase) decrease  in accrued interest receivable                              (64)             43
         (Decrease) increase in accrued interest payable                                  (33)              5
         Increase (decrease) in other liabilities                                         177            (220)
         Amortization of ESOP shares                                                       20              16
                                                                                     ---------       ---------
                   Net cash provided by operating activities                              782             245
                                                                                     ---------       ---------

Cash flows from investing activities:
    Purchase of certificates of deposit                                                  (600)              -
    Purchase of securities available for sale                                         (14,217)         (5,466)
    Proceeds from payments and maturities of securities available for sale              5,253             250
    Proceeds from payments and maturities of securities held to maturity                1,656           6,235
    Loan originations, net of principal repayments                                     (3,970)         (1,920)
    Proceeds from sale of loans                                                           184             141
    Proceeds from sale of real estate owned                                                28              13
    Purchase of Federal Home Loan Bank stock                                              (86)              -
    Purchase of premises and equipment                                                    (80)            (16)
                                                                                     ---------       ---------
                   Net cash used in investing activities                              (11,832)           (763)
                                                                                     ---------       ---------

Cash flows from financing activities:
    Net increase in deposits                                                            4,818           5,588
    Increase (decrease) in advance payments by borrowers for taxes
       and insurance                                                                       14             (11)
                                                                                     ---------       ---------
                   Net cash provided by financing activities                            4,832           5,577
                                                                                     ---------       ---------

    Net (decrease) increase in cash and cash equivalents                               (6,218)          5,059
    Cash and cash equivalents at beginning of period                                    9,301           3,573
                                                                                     ---------       ---------
    Cash and cash equivalents at end of period                                         $3,083          $8,632
                                                                                     =========       =========

Supplemental Disclosures of Cash Flow Information:
    Cash paid for:
        Interest on deposits and borrowed funds                                         1,113           1,292
        Income taxes                                                                      183             473

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


</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, 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 June 30, 2002,  the Company  reported net income
of $161,000, or $.38 per diluted share, from $93,000, or $.22 per diluted share,
for the same  period in 2001.  For the nine  months  ended  June 30,  2002,  the
Company  reported  net income of  $459,000,  or $1.10 per  diluted  share,  from
$290,000, or $.70 per diluted share, for the same period in 2001.

Changes in Financial Condition

     Total assets  increased by $5.6 million to $78.7  million at June 30, 2002,
from $73.1 million at September 30, 2001. Additionally, the growth in assets for
the quarter  ended June 30, 2002  represented  an increase of $3.1  million from
March 31, 2002, which was primarily due to the increase in investment securities
available for sale. Cash and cash equivalents  decreased by $6.2 million at June
30, 2002 to $3.1  million,  from $9.3  million at September  30, 2001.  The cash
funds were primarily reinvested in investment  securities available for sale and
loans receivable.  At June 30, 2002, total investment  securities increased $7.4
million and loans  receivable,  net,  increased  $3.7  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 $4.8 million to $71.0 million at June 30, 2002, from
$66.2  million at  September  30,  2001.  For the quarter  ended June 30,  2002,
deposits grew $2.5 million from March 31, 2002.

Results of Operations

     Net Interest Income.  For the three-months ended June 30, 2002, the Company
reported net interest income before provision for loan losses of $787,000, which
represents an increase of $164,000,  or 26%,  over the same period in 2001.  The
increase in net interest income was the result of an increase in interest income
of $70,000 and a decrease in interest  expense of  $94,000.  The  interest  rate
spread  increased  to 3.95% for the three  months ended June 30, 2002 from 3.57%
for the  three  months  ended  June 30,  2001,  while  the net  interest  margin
increased to 4.35% from 4.24% for the same periods.  For the  nine-month  period
ended June 30, 2002, the Company  reported net interest income before  provision
for loan losses of $2,303,000,  compared to $1,917,000 for the nine months ended
June 30, 2001.  The interest rate spread  increased to 3.95% for the nine months
ended June 30, 2002  compared to 3.84% for the nine months  ended June 30, 2001,
while  the  net  interest  margin  decreased   slightly  to  4.36%  from  4.51%,
respectively, for the same periods.

     The average balance of total  interest-earning  assets for the three months
ended June 30, 2002  increased  by $14.2  million  compared to the three  months
ended June 30, 2001,  while the average yield decreased to 6.21% from 7.18%. The
increase in total interest income of $70,000 for the three months ended June 30,
2002 is  comprised  largely of an  increase  in  interest  income of $127,000 on
investment  securities,  offset by a decrease in  interest  income of $53,000 on
other interest-earning  assets. While average loan receivable balances increased
by $5.0


                                       7

<PAGE>


million for the three  months  ended June 30, 2002  compared to the three months
ended June 30, 2001, the average yield  declined to 7.10% from 7.92%,  resulting
in a decline in interest  income of $4,000.  For the three months ended June 30,
2002, the average  balance of investment  securities  increased by $13.1 million
compared to the same 2001 period, while the yield decreased to 4.90% from 6.15%.
The average balance of other  interest-earning  assets decreased by $3.9 million
for the three months ended June 30, 2002 compared to the three months ended June
30, 2001, while the yield fell to 2.99% from 4.39%.

     Average  interest-bearing  liabilities  increased by $12.2  million for the
three  months  ended June 30, 2002  compared to the three  months ended June 30,
2001.  The cost of  interest-bearing  liabilities  decreased  to  2.26%  for the
three-month period ended June 30, 2002, compared to 3.61% for the same period of
2001.

     Provision  for Loan Losses.  The  provision for loan losses was $24,000 and
$72,000, respectively, for the three and nine-month periods ended June 30, 2002,
compared  to  $19,000  and  $67,000  for the same  periods  in 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  Expense.   Total  non-interest  expense  for  the  three  and
nine-month   periods  ended  June  30,  2002,   was  $605,000  and   $1,804,000,
respectively,  compared to $553,000 and $1,664,000 for the same periods in 2001.
In the three and nine  month  2002  periods,  compensation  and  benefits  costs
increased  primarily  due to cost of living and merit raises for  employees  and
increased benefit costs. In the nine-month period ended in 2002,  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.
Additionally,   the  most  significant  increases  in  other  expenses  for  the
nine-month period ended in 2002 related to ATM and debit card transactions, also
attributable to an increase in deposit account balances.

Liquidity and Regulatory Capital Compliance

     On June 30,  2002,  the Bank was in  compliance  with its three  regulatory
capital requirements as follows:

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


Tangible capital                     $6,209         7.91%
Tangible capital requirement          1,177         1.50%
                                      -----        -----
Excess over requirement              $5,032         6.41%
                                      =====        =====

Core capital                         $6,209         7.91%
Core capital requirement              3,146         4.00%
                                      -----        -----
Excess over requirement              $3,063         3.91%
                                      =====        =====

Risk-based capital                   $6,592        15.35%
Risk-based capital requirement        3,436         8.00%
                                      -----        -----
Excess over requirement              $3,156         7.35%
                                      =====        =====


     The Company  anticipates  that it will have  sufficient  funds available to
meet its current  commitments.  As of June 30,  2002,  the Bank had  outstanding
commitments  to fund  loans  of $1.8  million  and  outstanding  commitments  to
purchase  investment  securities  of  $250,000.  At June 30,  2002,  there  were
commitments on unused lines of credit of $5.1 million.  Certificates  of deposit
scheduled  to  mature  in one year or less as of June 30,  2002,  totaled  $18.5
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 June 30,
                                                  2002(1)        2001(1)
                                               ----------      ----------

Earnings per common share (2):
    Basic                                         $0.39           $0.22
    Diluted                                       $0.38           $0.22
Return on average assets (1)                        .83%           0.59%
Return on average equity (1)                      10.30%           6.49%
Interest rate spread (1)                           3.95%           3.57%
Net interest margin (1)                            4.35%           4.24%
Non-interest expense to average assets (1)         3.12%           3.47%
Non-performing assets to total assets               .18%            .29%
Non-performing loans to total loans                 .31%            .39%

                                                          At June 30,
                                                    2002            2001
                                                  -------         -------

Tangible book value per share (3)                  $15.37          $13.64

-----------------
(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, 2002,  was 416,876  basic and 420,682  diluted.  The average  number of
     shares outstanding during the three months ended June 30, 2001, was 415,210
     basic and 417,460 diluted.
(3)  There were 425,500 shares outstanding as of June 30, 2002.




                                                     For the Nine Months
                                                         Ended June 30,
                                                     2002(1)        2001(1)
                                                   ----------     ----------

Earnings per common share (2):
    Basic                                             $1.10         $0.70
    Diluted                                           $1.10         $0.70
Return on average assets (1)                            .81%         0.63%
Return on average equity (1)                           9.97%         6.85%
Interest rate spread (1)                               3.95%         3.84%
Net interest margin (1)                                4.36%         4.51%
Non-interest expense to average assets (1)             3.17%         3.62%

-----------------
(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, 2002,  was 416,484  basic and 419,064  diluted.  The average  number of
     shares  outstanding during the nine months ended June 30, 2001, was 414,883
     basic and 416,800 diluted.


                                       9

<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 MATERIALLY IMPORTANT EVENTS

          Not applicable.

ITEM 6.   EXHIBITS AND REPORTS ON FORM 8-K

          (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*
               99.0     Certification

          (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.


                                       10

<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:  August 6, 2002             By: /s/ Robert P. Hawkins, Jr.
       --------------                 ------------------------------------------
                                      Robert P. Hawkins, Jr.
                                      President and Chief Executive Officer
                                      (Principal Executive Officer)


Date:  August 6, 2002             By: /s/ John Y. Leacott
       --------------                 ------------------------------------------
                                      John Y. Leacott
                                      Vice President and Chief Financial Officer
                                      (Principal Accounting Officer)




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