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                  December 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 February 5, 2003

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


<PAGE>
                          ROEBLING FINANCIAL CORP, INC.
                                   FORM 10-QSB
                     FOR THE QUARTER ENDED DECEMBER 31, 2002

                                      INDEX

                                                                           Page
                                                                          Number
                                                                          ------

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

Item 1.  Consolidated Financial Statements and Notes Thereto               1-5
Item 2.  Management's Discussion and Analysis of Financial
                  Condition and Results of Operations                      6-8
Item 3.  Controls and Procedures                                             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>
                                                                             December 31,   September 30,
                                                                                2002           2002
                                                                             -----------    -------------
<S>                                                                         <C>             <C>
Assets

Cash and due from banks                                                       $  2,252        $  2,061
Interest-bearing deposits                                                          242           5,162
                                                                              --------        --------
     Total cash and cash equivalents                                             2,494           7,223

Certificates of deposit                                                          1,900             900
Investment securities available for sale                                        24,386          23,143
Invesment securities held to maturity                                            2,692           3,080
Loans receivable, net                                                           49,322          45,731
Accrued interest receivable                                                        404             448
Federal Home Loan Bank of New York stock, at cost                                  472             472
Premises and equipment                                                           1,230           1,135
Other assets                                                                        89              85
                                                                              --------        --------
     Total assets                                                             $ 82,989        $ 82,217
                                                                              ========        ========

Liabilities and Stockholders' Equity

Liabilities

Deposits                                                                      $ 74,422        $ 74,361
Borrowed funds                                                                     626               -
Advances from borrowers for taxes and insurance                                    459             409
Accrued interest payable                                                            22              30
Other liabilities                                                                  565             685
                                                                              --------        --------
     Total liabilities                                                          76,094          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                                                       1,678           1,674
Unallocated employee stock ownership plan shares                                   (75)            (79)
Retained earnings - substantially restricted                                     4,983           4,850
Accumulated other comprehensive income - unrealized gain
  on securities available for sale, net of tax                                     266             244
                                                                              --------        --------
     Total stockholders' equity                                                  6,895           6,732
                                                                              --------        --------

     Total liabilities and stockholders' equity                               $ 82,989        $ 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
                                                                          December 31,
                                                                   --------------------------
                                                                          2002      2001
                                                                         -------   -------
<S>                                                                    <C>       <C>
Interest income:
   Loans receivable                                                      $   799   $   810
   Investment securities                                                     279       288
   Other interest-earning assets                                              33        27
                                                                         -------   -------
        Total interest income                                              1,111     1,125
                                                                         -------   -------

Interest expense:
   Deposits                                                                  335       391
   Borrowed funds                                                              -         1
                                                                         -------   -------
        Total interest expense                                               335       392
                                                                         -------   -------

Net interest income before provision for loan losses                         776       733
Provision for loan losses                                                     24        24
                                                                         -------   -------
        Net interest income after provision for loan losses                  752       709
                                                                         -------   -------

Non-interest income:
   Loan fees and late charges                                                 12        14
   Account servicing and other                                               102        94
   Gain on sale of loans                                                       2         -
                                                                         -------   -------
        Total non-interest income                                            116       108
                                                                         -------   -------

Non-interest expense:
   Compensation and benefits                                                 335       313
   Occupany and equipment                                                     63        56
   Service bureau and data processing                                         95        90
   Federal insurance premiums                                                  3         3
   Other expense                                                             144       134
                                                                         -------   -------
        Total non-interest expense                                           640       596
                                                                         -------   -------

        Income before provision for income taxes                             228       221
Provision for income taxes                                                    95        87
                                                                         -------   -------
        Net income                                                           133       134

Other comprehensive income, net of tax:
   Unrealized gain (loss) on securities available for sale, net of tax        22       (78)
                                                                         -------   -------
Comprehensive income                                                     $   155   $    56
                                                                         =======   =======

Earnings per common share:
  Basic                                                                  $  0.32   $  0.32
  Diluted                                                                $  0.32   $  0.32

Weighted average number of shares outstanding:
  Basic                                                                      418       416
  Diluted                                                                    422       418
</TABLE>

See notes to unaudited consolidated financial statements.

                                        2

<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 three months
  ended December 31, 2002                 -               -              -             133              -          133

Change in unrealized gain on
  securities available for sale,
  net of income taxes                     -               -              -               -             22           22

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

Balance at December 31, 2002            $43          $1,678           ($75)         $4,983           $266       $6,895
                                   =============  ==============  =============  ============== ==============  ===========
</TABLE>

See notes to unaudited consolidated financial statements.

                                        3
<PAGE>

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

(Unaudited)

(In Thousands)
<TABLE>
<CAPTION>
                                                                         For the Three Months Ended
                                                                                December 31,
                                                                         --------------------------
                                                                              2002       2001
                                                                             -------    -------
<S>                                                                        <C>        <C>
Cash flows from operating activities:
   Net income                                                                $   133    $   134
   Adjustments to reconcile net income to cash provided by
     operating activities:
         Depreciation                                                             23         19
         Amortization of premiums and discounts, net                              30         14
         Amortization of deferred loan fees and costs, net                         3          7
         Provision for loan losses                                                24         24
         Gain on sale of loans                                                    (2)         -
         (Increase)  decrease in other assets                                     (4)        67
         Decrease (increase)  in accrued interest receivable                      44        (32)
         Decrease in accrued interest payable                                     (8)       (33)
         Decrease in other liabilities                                          (134)       (18)
         Amortization of ESOP shares                                               8          6
                                                                             -------    -------
                   Net cash provided by operating activities                     117        188
                                                                             -------    -------

Cash flows from investing activities:
    Purchase of certificates of deposit                                       (1,000)      (600)
    Purchase of securities available for sale                                 (6,890)    (8,953)
    Proceeds from payments and maturities of securities available for sale     5,515      2,060
    Proceeds from payments and maturities of securities held to maturity         526        615
    Loan originations, net of principal repayments                            (5,009)    (2,712)
    Proceeds from sale of loans                                                1,392        100
    Purchase of premises and equipment                                          (117)        (8)
                                                                             -------    -------
                   Net cash used in investing activities                      (5,583)    (9,498)
                                                                             -------    -------

Cash flows from financing activities:
    Net increase (decrease) in deposits                                           61       (135)
    Net increase in short-term borrowed funds                                    600      2,000
    Proceeds from other borrowed funds                                            26          -
    Increase (decrease) in advance payments by borrowers for taxes
       and insurance                                                              50        (13)
                                                                             -------    -------
                   Net cash provided by financing activities                     737      1,852
                                                                             -------    -------

    Net decrease in cash and cash equivalents                                 (4,729)    (7,458)
    Cash and cash equivalents at beginning of period                           7,223      9,301
                                                                             -------    -------
    Cash and cash equivalents at end of period                               $ 2,494    $ 1,843
                                                                             =======    =======

Supplemental Disclosures of Cash Flow Information:
    Cash paid for:
        Interest on deposits and borrowed funds                                  343        425
        Income taxes                                                             143         23

Supplemental Schedule of Noncash Investing Activities:
    Change in unrealized gain on securities available for sale, net of tax        22        (78)
</TABLE>

See notes to unaudited consolidated financial statements.

                                        4

<PAGE>

                          ROEBLING FINANCIAL CORP, INC.
                     NOTES TO UNAUDITED 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 months ended December 31, 2002, 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.

                                       5

<PAGE>

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

General

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

     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  December  31,  2002,  the  Company  had  total  assets,   deposits  and
stockholders'  equity  of  $83.0  million,   $74.4  million  and  $6.9  million,
respectively. For the three months ended December 31, 2002, the Company reported
net income of $133,000, or $.32 per diluted share, compared to $134,000, or $.32
per diluted share, for the same period in 2001.

Changes in Financial Condition

     Total  assets  increased  by $.8 million to $83.0  million at December  31,
2002,  from $82.2  million at  September  30,  2002.  Cash and cash  equivalents
decreased  by $4.7  million,  from $7.2  million at  September  30, 2002 to $2.5
million at December 31, 2002. The cash funds were  reinvested in certificates of
deposit,  investment  securities  and loans  receivable.  At December  31, 2002,
certificates of deposit increased $1.0 million,  investment securities available
for sale  increased  $1.2  million and loans  receivable,  net,  increased  $3.6
million. Within the loan portfolio,  the majority of the change came from a $3.8
million increase in the one-to-four family residential loan portfolio.  This was
the result of a continued  strong  refinance  market in this low  interest  rate
environment.  Additional funding for the increases in the investment  securities
and loan  receivable,  net,  portfolios  was provided by short-term  borrowings,
which increased to $.6 million at December 31, 2002.

Results of Operations

     Net Interest  Income.  For the  three-months  ended  December 31, 2002, the
Company  reported  net  interest  income  before  provision  for loan  losses of
$776,000,  which represents an increase of $43,000 or 6% over the same period in
2001.  The  increase  in net  interest  income was the  result of a decrease  in
interest  expense of $57,000,  partially offset by a decrease in interest income
of $14,000.  The  interest  rate spread  decreased to 3.56% for the three months
ended December 31, 2002 from 3.82% for the three months ended December 31, 2001,
as the  yield  on  interest-earning  assets  decreased  more  than  the  cost of
interest-bearing liabilities.

     The average balance of total  interest-earning  assets for the three months
ended December 31, 2002  increased by $9.9 million  compared to the three months
ended December 31, 2001,  while the average yield decreased to 5.62% from 6.53%.
The  decrease in total  interest  income of $14,000 for the three  months  ended
December 31, 2002 is  comprised  of a decrease in interest  income of $11,000 on
loans receivable and $9,000 on investment  securities,  offset by an increase in
interest income of $6,000 on other  interest-earning  assets. While average loan
receivable  balances  increased  by $3.7  million  for the  three  months  ended
December 31, 2002 compared to the same 2001 period,  the average yield  declined
to 6.71% from 7.43%.  For the three months ended  December 31, 2002, the average
balance of investment  securities increased by $4.7 million compared to the same
2001  period,  while the  average  yield fell to 4.13% from  5.15%.  The average
balance of other interest-earning assets increased by $1.5 million for the three
months ended  December 31, 2002 compared to the three months ended  December 31,
2001, while the yield fell to 2.95% from 3.67%.

                                       6
<PAGE>


     Average  interest-bearing  liability balances increased by $7.3 million for
the three  months  ended  December  31, 2002  compared to the three months ended
December 31, 2001. The cost of interest-bearing  liabilities  decreased to 2.06%
for the  three-month  period ended December 31, 2002,  compared to 2.71% for the
same period of 2001.

     Provision  for Loan Losses.  The  provision for loan losses was $24,000 for
the three-month periods ended December 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  $8,000,  or 7%,  to
$116,000 for the three months ended December 31, 2002,  compared to $108,000 for
same period in 2001, 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-month period
ended  December 31, 2002  increased  $44,000 to $640,000,  from $596,000 for the
same period in 2001. The most  significant  increases were in  compensation  and
benefits and other  expense.  Compensation  and  benefits  increased by $22,000,
primarily  the result of merit raises to our  employees  and  increased  benefit
costs. The most significant  increases in other expense related to ATM and debit
card transactions, which is attributable to an increase in transaction volume.

     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.

                                       7

<PAGE>

Liquidity and Regulatory Capital Compliance

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

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

Tangible capital                        $6,479              7.85%
Tangible capital requirement             1,239              1.50%
                                        ------              ----
Excess over requirement                 $5,240              6.35%
                                        ======              ====

Core capital                            $6,479              7.85%
Core capital requirement                 3,303              4.00%
                                        ------              ----
Excess over requirement                 $3,176              3.85%
                                        ======              ====

Risk based capital                      $6,925             15.95%
Risk based capital requirement           3,474              8.00%
                                        ------              ----
Excess over requirement                 $3,451              7.95%
                                        ======              ====


     The Company  anticipates  that it will have  sufficient  funds available to
meet its current commitments.  As of December 31, 2002, the Bank had outstanding
commitments  to fund loans of $3.1  million.  At December 31,  2002,  there were
commitments on unused lines of credit of $5.6 million.  Certificates  of deposit
scheduled to mature in one year or less as of December 31, 2002,  totaled  $19.4
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.

Additional Key Operating Ratios
                                                 At or for the Three Months
                                                      Ended December 31,
                                                  2002(1)             2001(1)
                                               --------------      -------------

Earnings per common share (2):
    Basic                                          $0.32              $0.32
    Diluted                                        $0.32              $0.32
Return on average assets (1)                         .64%               .73%
Return on average equity (1)                        7.84%              8.92%
Interest rate spread (1)                            3.56%              3.82%
Net interest margin (1)                             3.93%              4.29%
Non-interest expense to average assets (1)          3.08%              3.22%
Non-performing assets to total assets                .55%               .23%
Non-performing loans to total loans                  .93%               .33%

                                                        At  December 31,
                                                     2002                2001
                                                    -----               ------

Book value per share (3)                            $16.20              $14.19

----------------
(1)  The ratios for the three-month periods presented are annualized.
(2)  The average  number of shares  outstanding  during the three  months  ended
     December  31,  2002,  was 417,660  basic and 421,606  diluted.  The average
     number of shares  outstanding  during the three months  ended  December 31,
     2001, was 416,092 basic and 417,605 diluted.
(3)  There were 425,500 shares  outstanding as of December 31, 2002 and December
     31, 2001.

                                       8
<PAGE>

ITEM 3.  CONTROLS AND PROCEDURES

     (a)  Evaluation  of  disclosure  controls  and  procedures.  Based on their
          -----------------------------------------------------
evaluation  as of a date  within 90 days of the  filing  date of this  Quarterly
Report  on  Form  10-QSB,  the  Registrant's  principal  executive  officer  and
principal  financial  officer have  concluded that the  Registrant's  disclosure
controls and procedures (as defined in Rules  13a-14(c) and 15d-14(c)  under the
Securities  Exchange Act of 1934 (the  "Exchange  Act")) 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.

     (b) Changes in internal controls.  There were no significant changes in the
         ----------------------------
Registrant's  internal  controls or in other  factors  that could  significantly
affect these controls subsequent to the date of their evaluation,  including any
corrective  actions  with  regard  to  significant   deficiencies  and  material
weaknesses.

                                        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

               Not applicable.

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*
                       99.0      Certification pursuant to 18 U.S.C.ss.1350

                 (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:  February 12, 2003          By: /s/Frank J. Travea, III
                                      ------------------------------------------
                                      Frank J. Travea, III
                                      President and Chief Executive Officer
                                      (Principal Executive Officer)

Date:  February 12, 2003          By: /s/Janice A. Summers
                                      ------------------------------------------
                                      Janice A. Summers
                                      Senior Vice President, Chief Operating
                                      Officer and Chief Financial Officer
                                      (Principal Accounting Officer)

                                       11

<PAGE>

                            SECTION 302 CERTIFICATION

     I, Frank J. Travea, III, certify that:

1.   I have reviewed the quarterly  report on Form 10-QSB of Roebling  Financial
     Corp, Inc. (the "Company");

2.   Based on my knowledge,  this  quarterly  report does not contain any untrue
     statement of a material fact or omit to state a material fact  necessary to
     make the statements  made, in light of the  circumstances  under which such
     statements  were made, not misleading with respect to the period covered by
     this quarterly report;

3.   Based on my  knowledge,  the  financial  statements,  and  other  financial
     information  included  in this  quarterly  report,  fairly  present  in all
     material respects the financial  condition,  results of operations and cash
     flows  of the  Company  as of,  and  for,  the  periods  presented  in this
     quarterly report;

4.   The  Company's  other   certifying   officer  and  I  are  responsible  for
     establishing and maintaining disclosure controls and procedures (as defined
     in Exchange Act Rule 13a-14 and 15d-14) for the Company and have:

     (a)  designed  such  disclosure  controls  and  procedures  to ensure  that
          material   information   relating  to  the  Company,   including   its
          consolidated  subsidiaries,  is made known to me by others  within the
          Company, particularly during the period in which this quarterly report
          is being prepared;

     (b)  evaluated the effectiveness of the Company's  disclosure  controls and
          procedures  as of a date  within 90 days prior to the  filing  date of
          this quarterly report (the "Evaluation Date"); and

     (c)  presented  in  this  quarterly   report  our  conclusions   about  the
          effectiveness  of the disclosure  controls and procedures based on our
          evaluation as of the Evaluation Date;

5.   The Company's other certifying  officer and I have disclosed,  based on our
     most recent  evaluation,  to the Company's auditors and the audit committee
     of  Company's  board  of  directors  (or  persons   performing   equivalent
     functions):

     (a)  all  significant  deficiencies  in the design or operation of internal
          controls which could adversely affect the Company's ability to record,
          process,  summarize and report  financial data and have identified for
          the Company's  auditors any material  weaknesses in internal controls;
          and

     (b)  any fraud, whether or not material,  that involves management or other
          employees  who  have a  significant  role  in the  Company's  internal
          controls; and

6.   The  Company's  other  certifying  officer  and I have  indicated  in  this
     quarterly  report  whether  there  were  significant  changes  in  internal
     controls  or in other  factors  that could  significantly  affect  internal
     controls  subsequent to the date of our most recent  evaluation,  including
     any corrective actions with regard to significant deficiencies and material
     weaknesses.




Date: February 12, 2003               /s/Frank J. Travea, III
                                      ------------------------------------------
                                      Frank J. Travea, III, President and
                                      Chief Executive Officer


<PAGE>

                            SECTION 302 CERTIFICATION

     I, Janice A. Summers, certify that:

1.   I have reviewed the quarterly  report on Form 10-QSB of Roebling  Financial
     Corp, Inc. (the "Company");

2.   Based on my knowledge,  this  quarterly  report does not contain any untrue
     statement of a material fact or omit to state a material fact  necessary to
     make the statements  made, in light of the  circumstances  under which such
     statements  were made, not misleading with respect to the period covered by
     this quarterly report;

3.   Based on my  knowledge,  the  financial  statements,  and  other  financial
     information  included  in this  quarterly  report,  fairly  present  in all
     material respects the financial  condition,  results of operations and cash
     flows  of the  Company  as of,  and  for,  the  periods  presented  in this
     quarterly report;

4.   The  Company's  other   certifying   officer  and  I  are  responsible  for
     establishing and maintaining disclosure controls and procedures (as defined
     in Exchange Act Rule 13a-14 and 15d-14) for the Company and have:

     (a)  designed  such  disclosure  controls  and  procedures  to ensure  that
          material   information   relating  to  the  Company,   including   its
          consolidated  subsidiaries,  is made known to me by others  within the
          Company, particularly during the period in which this quarterly report
          is being prepared;

     (b)  evaluated the effectiveness of the Company's  disclosure  controls and
          procedures  as of a date  within 90 days prior to the  filing  date of
          this quarterly report (the "Evaluation Date"); and

     (c)  presented  in  this  quarterly   report  our  conclusions   about  the
          effectiveness  of the disclosure  controls and procedures based on our
          evaluation as of the Evaluation Date;

5.   The Company's other certifying  officer and I have disclosed,  based on our
     most recent  evaluation,  to the Company's auditors and the audit committee
     of  Company's  board  of  directors  (or  persons   performing   equivalent
     functions):

     (a)  all  significant  deficiencies  in the design or operation of internal
          controls which could adversely affect the Company's ability to record,
          process,  summarize and report  financial data and have identified for
          the Company's  auditors any material  weaknesses in internal controls;
          and

     (b)  any fraud, whether or not material,  that involves management or other
          employees  who  have a  significant  role  in the  Company's  internal
          controls; and

6.   The  Company's  other  certifying  officer  and I have  indicated  in  this
     quarterly  report  whether  there  were  significant  changes  in  internal
     controls  or in other  factors  that could  significantly  affect  internal
     controls  subsequent to the date of our most recent  evaluation,  including
     any corrective actions with regard to significant deficiencies and material
     weaknesses.




Date: February 12, 2003               /s/Janice A. Summers
                                      ------------------------------------------
                                      Janice A. Summers
                                      Senior Vice President, Chief Operating
                                      Officer and Chief Financial Officer