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


                                   FORM 10-QSB

(Mark One)

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

For the quarterly period ended        December 31, 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.)

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

                      APPLICABLE ONLY TO CORPORATE ISSUERS:

State the number of shares outstanding of each of the issuer's classes of common
equity, as of the latest practicable date: February 10, 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 DECEMBER 31, 2003

                                      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 Information                                                    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,
                                                                       2003               2003
                                                                     --------           --------
<S>                                                               <C>                <C>

Assets

Cash and due from banks                                              $  1,889           $  1,886
Interest-bearing deposits                                                 301                145
                                                                     --------           --------
     Total cash and cash equivalents                                    2,190              2,031

Certificates of deposit                                                 1,500              1,700
Investment securities available for sale                               22,049             23,884
Invesment securities held to maturity                                   1,529              1,802
Loans receivable, net                                                  57,431             55,362
Accrued interest receivable                                               346                383
Federal Home Loan Bank of New York stock, at cost                         564                564
Premises and equipment                                                  1,714              1,750
Other assets                                                              165                268
                                                                     --------           --------
     Total assets                                                    $ 87,488           $ 87,744
                                                                     ========           ========

Liabilities and Stockholders' Equity

Liabilities

Deposits                                                             $ 79,271           $ 78,408
Borrowed funds                                                              -              1,200
Advances from borrowers for taxes and insurance                           405                413
Other liabilities                                                         493                543
                                                                     --------           --------
     Total liabilities                                                 80,169             80,564
                                                                     --------           --------

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                                              1,695              1,690
Unallocated employee stock ownership plan shares                          (59)               (63)
Retained earnings - substantially restricted                            5,527              5,409
Accumulated other comprehensive income - unrealized gain
  on securities available for sale, net of tax                            113                101
                                                                     --------           --------
     Total stockholders' equity                                         7,319              7,180
                                                                     --------           --------

     Total liabilities and stockholders' equity                      $ 87,488           $ 87,744
                                                                     ========           ========
</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,
                                                                  --------------------------
                                                                          2003     2002
                                                                         ------   ------
<S>                                                                    <C>      <C>
Interest income:
   Loans receivable                                                      $  860   $  799
   Investment securities                                                    191      279
   Other interest-earning assets                                             16       33
                                                                         ------   ------
        Total interest income                                             1,067    1,111
                                                                         ------   ------

Interest expense:
   Deposits                                                                 239      335
   Borrowed funds                                                             -        -
                                                                         ------   ------
        Total interest expense                                              239      335
                                                                         ------   ------

Net interest income before provision for loan losses                        828      776
Provision for loan losses                                                    12       24
                                                                         ------   ------
        Net interest income after provision for loan losses                 816      752
                                                                         ------   ------

Non-interest income:
   Loan fees and late charges                                                13       12
   Account servicing and other                                              102      102
   Gain on sale of loans                                                      2        2
                                                                         ------   ------
        Total non-interest income                                           117      116
                                                                         ------   ------

Non-interest expense:
   Compensation and benefits                                                401      335
   Occupany and equipment                                                    79       63
   Service bureau and data processing                                       102       95
   Other expense                                                            145      147
                                                                         ------   ------
        Total non-interest expense                                          727      640
                                                                         ------   ------

        Income before provision for income taxes                            206      228
Provision for income taxes                                                   88       95
                                                                         ------   ------
        Net income                                                          118      133

Other comprehensive income, net of tax:
   Unrealized gain (loss) on securities available for sale, net of tax       12       22
                                                                         ------   ------
Comprehensive income                                                     $  130   $  155
                                                                         ======   ======

Earnings per common share:
  Basic                                                                  $ 0.28   $ 0.32
  Diluted                                                                $ 0.28   $ 0.32

Weighted average number of shares outstanding:
  Basic                                                                     419      418
  Diluted                                                                   423      422
</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, 2003         $43          $1,690            ($63)           $5,409            $101       $7,180

Net income for the three months
  ended December 31, 2003               -               -               -               118               -          118

Change in unrealized gain on
  securities available for sale,
  net of income taxes                   -               -               -                 -              12           12

Amortization of ESOP shares             -               5               4                 -               -            9
                                      ---          ------            ----            ------            ----       ------

Balance at December 31, 2003          $43          $1,695            ($59)           $5,527            $113       $7,319
                                      ===          ======            ====            ======            ====       ======
</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,
                                                                          --------------------------
                                                                              2003       2002
                                                                             -------    -------
<S>                                                                        <C>        <C>
Cash flows from operating activities:
   Net income                                                                $   118    $   133
   Adjustments to reconcile net income to cash provided by
     operating activities:
         Depreciation                                                             39         23
         Amortization of premiums and discounts, net                              19         30
         Amortization of deferred loan fees and costs, net                         -          3
         Provision for loan losses                                                12         24
         Gain on sale of loans                                                    (2)        (2)
         Decrease (increase) in other assets                                      95         (4)
         Decrease in accrued interest receivable                                  37         44
         Decrease in other liabilities                                           (50)      (142)
         Amortization of ESOP shares                                               9          8
                                                                             -------    -------
                   Net cash provided by operating activities                     277        117
                                                                             -------    -------

Cash flows from investing activities:
    Purchase of certificates of deposit                                            -     (1,000)
    Proceeds from maturities of certificates of deposit                          200          -
    Purchase of securities available for sale                                 (1,500)    (6,890)
    Proceeds from payments and maturities of securities available for sale     3,336      5,515
    Purchase of securities held to maturity                                     (140)         -
    Proceeds from payments and maturities of securities held to maturity         413        526
    Loan originations, net of principal repayments                            (2,297)    (5,009)
    Proceeds from sale of loans                                                  218      1,392
    Purchase of premises and equipment                                            (3)      (117)
                                                                             -------    -------
                   Net cash provided by (used in) investing activities           227     (5,583)
                                                                             -------    -------

Cash flows from financing activities:
    Net increase in deposits                                                     863         61
    Net (decrease) increase in short-term borrowed funds                      (1,200)       600
    Proceeds from other borrowed funds                                             -         26
   (Decrease) increase in advance payments by borrowers for taxes
       and insurance                                                              (8)        50
                                                                             -------    -------
                   Net cash (used in) provided by financing activities          (345)       737
                                                                             -------    -------

    Net increase (decrease) in cash and cash equivalents                         159     (4,729)
    Cash and cash equivalents at beginning of period                           2,031      7,223
                                                                             -------    -------
    Cash and cash equivalents at end of period                               $ 2,190    $ 2,494
                                                                             =======    =======

Supplemental Disclosures of Cash Flow Information:
    Cash paid for:
        Interest on deposits and borrowed funds                                  238        343
        Income taxes                                                            --          143

Supplemental Schedule of Noncash Investing Activities:
    Change in unrealized gain on securities available for sale, net of tax        12         22

</TABLE>

See notes to unaudited consolidated financial statements.

                                        4


<PAGE>

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

NOTE 1 - BASIS OF PRESENTATION

The  accompanying   unaudited  consolidated  financial  statements  of  Roebling
Financial  Corp,  Inc. (the  "Company")  have been  prepared in accordance  with
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, 2003, are not
necessarily  indicative  of the  results  to be  expected  for the  year  ending
September  30,  2004,  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, 2003 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,  2003,  the Company had total  assets,  deposits  and
stockholders'  equity  of  $87.5  million,   $79.3  million  and  $7.3  million,
respectively. For the three months ended December 31, 2003, the Company reported
net income of $118,000, or $.28 per diluted share, compared to $133,000, or $.32
per diluted share, for the same period in 2002.

Changes in Financial Condition

         Total  assets  decreased  by $200,000 to $87.5  million at December 31,
2003,  from $87.7  million at September 30, 2003.  While total assets  decreased
slightly,  loans  receivable,  net  increased  by $2.1  million  and  investment
securities  decreased  by $2.1  million.  In addition,  certificates  of deposit
decreased by $200,000 from  September 30, 2003 to December 31, 2003.  Investment
securities decreased by $2.1 million, to $23.6 million at December 31, 2003 from
$25.7  million  at  September  30,  2003.  Proceeds  received  from the calls of
investment securities were reinvested in the loans receivable  portfolio,  which
increased by $2.1  million,  to $57.4 at December 31, 2003 from $55.3 million at
September  30,  2003.  The  increase  in  loans  receivable,  net was  primarily
attributable  to an increase of $1.9 million in the  commercial  real estate and
multifamily loan portfolios. Total deposits increased $900,000, to $79.3 million
at December 31, 2003 from $78.4  million at September 30, 2003,  while  borrowed
funds  decreased by $1.2  million as  short-term  borrowed  funds were repaid in
full.

Results of Operations

         Net Interest Income.  For the three-months ended December 31, 2003, the
Company  reported  net  interest  income  before  provision  for loan  losses of
$828,000,  which represents an increase of $52,000 or 7% over the same period in
2002.  The  increase  in net  interest  income was the  result of a decrease  in
interest  expense of $96,000,  partially offset by a decrease in interest income
of $44,000.  The  interest  rate spread  increased to 3.70% for the three months
ended December 31, 2003 from 3.56% for the three months ended December 31, 2002,
as the  yield  on  interest-earning  assets  decreased  less  than  the  cost of
interest-bearing liabilities.

         The  average  balance  of total  interest-earning  assets for the three
months ended December 31, 2003  increased by $4.6 million  compared to the three
months ended December 31, 2002,  while the average yield decreased to 5.08% from
5.62%.  The  decrease in total  interest  income of $44,000 for the three months
ended December 31, 2003 is comprised of a decrease in interest income of $88,000
on investment securities and $17,000 on other interest-earning assets, offset by
an increase in interest  income of $61,000 on loans  receivable.  While  average
loan  receivable  balances  increased by $9.3 million for the three months ended
December 31, 2003 compared to the same 2002 period,  the average yield  declined
to 6.01% from 6.71%.  For the three months ended  December 31, 2003, the average
balance of investment  securities decreased by $2.5 million compared to the same
2002 period,

                                       6
<PAGE>

while the average yield fell to 3.12% from 4.13%.  The average  balance of other
interest-earning  assets  decreased  by $2.2  million for the three months ended
December 31, 2003  compared to the three months ended  December 31, 2002,  while
the yield fell to 2.81% from 2.95%.

         Average interest-bearing  liabilities increased by $4.2 million for the
three months ended December 31, 2003 compared to the three months ended December
31, 2002. The cost of  interest-bearing  liabilities  decreased to 1.38% for the
three-month  period  ended  December  31,  2003,  compared to 2.06% for the same
period of 2002.

         Provision  for Loan Losses.  The  provision for loan losses was $12,000
for the three month period ended December 31, 2003,  compared to $24,000 for the
same period 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  slightly,   to
$117,000 for the three months ended December 31, 2003,  compared to $116,000 for
the same period in 2002.

         Non-interest  Expense.  Total non-interest  expense for the three-month
period ended December 31, 2003 increased $87,000 to $727,000,  from $640,000 for
the same period in 2002. The most significant increases were in compensation and
benefits  and  occupancy  and  equipment  expense.   Compensation  and  benefits
increased by $66,000,  primarily  the result of merit  raises to our  employees,
staff  additions to accommodate  the continued  growth of the Bank and increased
benefit  costs.  Occupancy and equipment  expenses  increased by $16,000 for the
three-month  period  ended  December 31,  2003.  The  increase in occupancy  and
equipment  expense  was  attributable  to an increase  in  depreciation  expense
related to the  conversion of our computer  system.  The Bank converted from its
primary  third-party core data processing  service provider to a new provider in
fiscal 2003. In conjunction with the conversion,  the Bank also installed a wide
area network and replaced much of its data processing equipment.

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 was effective for the year beginning October 1, 2002.

                                       7
<PAGE>

Liquidity and Regulatory Capital Compliance

         On  December  31,  2003,  the Bank  was in  compliance  with its  three
         regulatory capital requirements as follows:

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

Tangible capital                          $7,056                8.08%
Tangible capital requirement               1,310                1.50%
                                          ------               -----
Excess over requirement                   $5,746                6.58%
                                          ======               =====

Core capital                              $7,056                8.08%
Core capital requirement                   3,493                4.00%
                                          ------               -----
Excess over requirement                   $3,563                4.08%
                                          ======               =====

Risk-based capital                        $7,533               14.92%
Risk-based capital requirement             4,039                8.00%
                                          ------               -----
Excess over requirement                   $3,494                6.92%
                                          ======               =====


         The Company anticipates that it will have sufficient funds available to
meet its current commitments.  As of December 31, 2003, the Bank had outstanding
commitments to originate loans of $3.4 million. At December 31, 2003, there were
commitments  on  unused  lines  of  credit  of  $7.7  million  and  $110,000  in
outstanding  letters of credit.  Certificates of deposit  scheduled to mature in
one year or less as of  December  31,  2003,  totaled  $17.2  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,
                                                  2003(1)             2002(1)
                                               --------------      -------------

Earnings per common share (2):
    Basic                                          $0.28         $0.32
    Diluted                                        $0.28         $0.32
Return on average assets (1)                         .53%          .64%
Return on average equity (1)                        6.51%         7.84%
Interest rate spread (1)                            3.70%         3.56%
Net interest margin (1)                             3.95%         3.93%
Non-interest expense to average assets (1)          3.28%         3.08%
Non-performing assets to total assets                .22%          .55%
Non-performing loans to total loans                  .34%          .93%

                                                       At  December 31,
                                                    2003                  2002
                                               ---------------         ---------

Book value per share (3)                          $17.20                $16.20

-----------
(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,  2003,  was 419,228  basic and 422,701  diluted.  The average
     number of shares  outstanding  during the three months  ended  December 31,
     2002, was 417,660 basic and 421,606 diluted.
(3)  There were 425,500 shares  outstanding as of December 31, 2003 and December
     31, 2002.

                                       8
<PAGE>

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.

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

                                       9

<PAGE>

                          ROEBLING FINANCIAL CORP, INC.

                                     Part II


ITEM 1.           LEGAL PROCEEDINGS

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

ITEM 2.           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

                    (a)  Not applicable.
                    (b)  Not applicable

ITEM 6.  EXHIBITS AND REPORTS ON FORM 8-K

                  (a) List of Exhibits:
<TABLE>
<CAPTION>
                <S>         <C>
                      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*
                     10.5     Employment Agreement between Janice A. Summers and Roebling Bank***
                     10.6     Employment Agreement between Frank J. Travea, III and Roebling Bank***
                     31       Rule 13a-14(a)/15d-14(a) Certification of Chief Executive Officer and
                                Chief Financial Officer
                     32       Section 1350 Certification
</TABLE>

                   (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.
***  Incorporated  by  reference  to the  identically  numbered  exhibit  to the
     Registrant's Form 10-KSB filed with the Commission on December 24, 2003.

                                       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, 2004      By: /s/Frank J. Travea, III
                                  ----------------------------------------------
                                  Frank J. Travea, III
                                  President and Chief Executive Officer
                                  (Principal Executive Officer)

Date:  February 12, 2004      By: /s/Janice A. Summers
                                  ----------------------------------------------
                                  Janice A. Summers
                                  Senior Vice President, Chief Operating Officer
                                    and Chief Financial Officer
                                  (Principal Accounting Officer))

                                       11