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, 2000
                               -------------------------------------------------

                                       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 000-29257
                                               ---------

                          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 August 1, 2000.

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


<PAGE>


                          ROEBLING FINANCIAL CORP, INC.
                                   FORM 10-QSB
                       FOR THE QUARTER ENDED JUNE 30, 2000

                                      INDEX

                                                                          Page
                                                                         Number
                                                                         ------

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

Item 1.  Financial Statements and Notes Thereto                           1 - 6
Item 2.  Management's Discussion and Analysis of Financial
                  Condition and Results of Operations                     7 -10

PART II - OTHER INFORMATION

Item 1.  Legal Proceedings                                                 11
Item 2.  Changes in Securities                                             11
Item 3.  Defaults upon Senior Securities                                   11
Item 4.  Submission of Matters to a Vote of Security Holders               11
Item 5.  Other Materially Important Events                                 11
Item 6.  Exhibits and Reports on Form 8-K                                  12

SIGNATURES                                                                 13


<PAGE>
ROEBLING FINANCIAL CORP, INC.
STATEMENTS OF FINANCIAL CONDITION

(In Thousands)
<TABLE>
<CAPTION>
                                                                     June 30,  September 30,
                                                                       2000         1999
                                                                 ------------  -------------
                                                                    (Unaudited)
<S>                                                                 <C>         <C>
Assets

Cash and due from banks                                              $  1,858    $  2,836
Interest bearing deposits                                                 512         737
                                                                     --------    --------
     Total cash and cash equivalents                                    2,370       3,573

Federal Home Loan Bank term deposits                                        -         250
Certificates of deposit                                                   300         300
Securities available for sale                                              21          24
Securities held to maturity                                             8,412       9,657
Mortgage-backed and related securities held to maturity, net            5,458       6,294
Loans receivable, net                                                  41,412      35,745
Real estate owned                                                          44         210
Accrued interest receivable                                               409         375
Federal Home Loan Bank of New York stock, at cost                         388         294
Premises and equipment                                                  1,093       1,087
Other assets                                                               55          70
                                                                     --------    --------
     Total assets                                                    $ 59,962    $ 57,879
                                                                     ========    ========

Liabilities and Stockholders' Equity

Liabilities
Deposits                                                             $ 53,645    $ 50,036
Borrowed funds                                                              -       2,125
Advances from borrowers for taxes and insurance                           441         420
Accrued interest payable                                                   42          49
Other liabilities                                                         491         305
                                                                     --------    --------
     Total liabilities                                                 54,619      52,935
                                                                     --------    --------

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                                              1,655       1,652
Unallocated employee stock ownership plan shares                         (114)       (125)
Retained earnings - substantially restricted                            3,747       3,360
Accumulated other comprehensive income - unrealized gain
  on securities available for sale, net of tax                             12          14
                                                                     --------    --------
     Total stockholders' equity                                         5,343       4,944
                                                                     --------    --------

     Total liabilities and stockholders' equity                      $ 59,962    $ 57,879
                                                                     ========    ========
</TABLE>

See notes to unaudited financial statements.

                                       1
<PAGE>
ROEBLING FINANCIAL CORP, INC.
STATEMENTS OF INCOME AND COMPREHENSIVE INCOME

(Unaudited)

(In Thousands)

<TABLE>
<CAPTION>
                                                                    For the Three Months Ended
                                                                             June 30,
                                                                    ---------------------------
                                                                           2000          1999
                                                                    ------------  -------------
<S>                                                                     <C>           <C>
Interest income:
   Loans receivable                                                      $  838        $  619
   Securities available for sale                                              -             -
   Securities held to maturity                                              131           198
   Mortgage-backed and related securities held to maturity                   88            44
   Other interest earning assets                                             11            18
                                                                         ------        ------
        Total interest income                                             1,068           879
                                                                         ------        ------

Interest expense:
   Deposits                                                                 383           346
   Borrowed funds                                                            20             3
                                                                         ------        ------
        Total interest expense                                              403           349
                                                                         ------        ------

Net interest income before provision for loan losses                        665           530
Provision for loan losses                                                    13             6
                                                                         ------        ------
        Net interest income after provision for loan losses                 652           524
                                                                         ------        ------

Non-interest income:
   Loan service charges and late charges                                     12            18
   Account servicing and other                                               78            66
   Gain on sale of interest earning assets                                    -             3
                                                                         ------        ------
        Total non-interest income                                            90            87
                                                                         ------        ------

Non-interest expense:
   Compensation and benefits                                                273           269
   Occupany and equipment                                                    49            42
   Service bureau and data processing                                        59            55
   Federal insurance premiums                                                 1             6
   Other expense                                                            115           147
                                                                         ------        ------
        Total non-interest expense                                          497           519
                                                                         ------        ------

        Income before provision for income taxes                            245            92
Provision for income taxes                                                   94            34
                                                                         ------        ------
        Net income                                                          151            58

Other comprehensive income, net of tax:
   Unrealized (loss) gain on securities available for sale, net of tax        -             -
                                                                         ------        ------
Comprehensive income                                                     $  151        $   58
                                                                         ======        ======

Basic earnings per share                                                 $ 0.37        $ 0.14
Fully diluted earnings per share                                         $ 0.36        $ 0.14

</TABLE>

See notes to unaudited financial statements.

                                       2
<PAGE>
ROEBLING FINANCIAL CORP, INC.
STATEMENTS OF INCOME AND COMPREHENSIVE INCOME

(Unaudited)

(In Thousands)

<TABLE>
<CAPTION>
                                                                     For the Nine Months Ended
                                                                             June 30,
                                                                     -------------------------
                                                                         2000        1999
                                                                     -----------   -----------
<S>                                                                     <C>        <C>
Interest income:
   Loans receivable                                                      $ 2,318    $ 1,828
   Securities available for sale                                               -          2
   Securities held to maturity                                               408        527
   Mortgage-backed and related securities held to maturity                   267        105
   Other interest earning assets                                              43         98
                                                                         -------    -------
        Total interest income                                              3,036      2,560
                                                                         -------    -------

Interest expense:
   Deposits                                                                1,089      1,019
   Borrowed funds                                                             50         10
                                                                         -------    -------
        Total interest expense                                             1,139      1,029
                                                                         -------    -------

Net interest income before provision for loan losses                       1,897      1,531
Provision for loan losses                                                     28         11
                                                                         -------    -------
        Net interest income after provision for loan losses                1,869      1,520
                                                                         -------    -------

Non-interest income:
   Loan service charges and late charges                                      44         52
   Account servicing and other                                               234        168
   Gain on sale of interest earning assets                                     1          4
                                                                         -------    -------
        Total non-interest income                                            279        224
                                                                         -------    -------

Non-interest expense:
   Compensation and benefits                                                 819        777
   Occupany and equipment                                                    139        125
   Service bureau and data processing                                        201        163
   Federal insurance premiums                                                 12         18
   Other expense                                                             348        331
                                                                         -------    -------
        Total non-interest expense                                         1,519      1,414
                                                                         -------    -------
        Income before provision for income taxes                             629        330
Provision for income taxes                                                   242        134
                                                                         -------    -------
        Net income                                                           387        196
Other comprehensive income, net of tax:
   Unrealized (loss) gain on securities available for sale, net of tax        (2)         1
                                                                         -------    -------
Comprehensive income                                                     $   385    $   197
                                                                         =======    =======

Basic earnings per share                                                 $  0.94    $  0.48
Fully diluted earnings per share                                         $  0.93    $  0.48

</TABLE>

See notes to unaudited financial statements.

                                       3
<PAGE>
ROEBLING FINANCIAL CORP, INC.
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, 1999                $43            $1,652           ($125)        $3,360            $14           $4,944

Net income for the nine months
  ended June 30, 2000                          -                 -               -            387              -              387

Change in unrealized gain on
  securities available for sale,
  net of income taxes                          -                 -               -              -             (2)              (2)

Amortization of ESOP shares                    -                 3              11              -              -               14
                                   --------------  ----------------  -------------- --------------  ----------------  ------------

Balance at June 30, 2000                     $43            $1,655           ($114)        $3,747            $12           $5,343
                                   ==============  ================  ============== ==============  ================  ============

</TABLE>
                                       4
<PAGE>

ROEBLING FINANCIAL CORP, INC.
STATEMENTS OF CASH FLOWS

(Unaudited)

(In Thousands)

<TABLE>
<CAPTION>
                                                                      For the Nine Months Ended
                                                                             June 30,
                                                                      -------------------------
                                                                          2000        1999
                                                                      ----------    -----------

<S>                                                                    <C>         <C>
Cash flows from operating activities:
   Net income                                                           $    387    $    196
   Adjustments to reconcile net income to cash provided by
     operating activities:
         Depreciation                                                         52          56
         Amortization of premiums on investment securities
           held to maturity                                                   20          11
         Amortization of premiums on mortgage-backed securities               20          19
         Provision for loan losses                                            28          11
         Gain on sale of loans                                                (1)         (4)
         Decrease (increase) in other assets                                  15        (172)
         Increase in accrued interest receivable                             (34)        (42)
         Decrease in accrued interest payable                                 (7)          -
         Increase in other liabilities                                       186         241
         Amortization of ESOP shares                                          14          16
                                                                        --------    --------
                   Net cash provided by operations                           680         332
                                                                        --------    --------

Cash flows from investing activities:
    Net decrease in Federal Home Loan Bank term deposits                     250           -
    Proceeds from maturities of held-to-maturity securities                1,225       6,356
    Purchase of held-to-maturity securities                                    -      (8,056)
    Proceeds from maturities of equity securities                              -         100
    Proceeds from sale of loans                                              272       1,613
    Purchase of Federal Home Loan Bank stock                                 (94)        (50)
    Loans originated, net of principal repayments                         (6,012)     (7,985)
    Proceeds from principal repayment of mortgage-backed securities          816       1,200
    Purchase of mortgage-backed securities                                     -      (4,408)
    Purchase of premises and equipment                                       (58)         (7)
    Proceeds from sale of real estate owned                                  216           -
                                                                        --------    --------
                   Net cash used in investing activities                  (3,385)    (11,237)
                                                                        --------    --------
Cash flows from financing activities:
    Net increase in deposits                                               3,609       7,767
    Net decrease in borrowed funds                                        (2,125)        (12)
    Increase in advance payments by borrowers for taxes and insurance         18           4
                                                                        --------    --------
                   Net cash provided by financing activities               1,502       7,759
                                                                        --------    --------

    Net decrease in cash and cash equivalents                             (1,203)     (3,146)
    Cash and cash equivalents at beginning of period                       3,573       5,023
                                                                        --------    --------
    Cash and cash equivalents at end of period                          $  2,370    $  1,877
                                                                        ========    ========

Supplemental Disclosures of Cash Flow Information:
    Cash paid for:
        Interest                                                           1,146       1,027
        Income taxes                                                         145         134

Supplemental Schedule of Noncash Investing Activities:

    Transfer from loans receivable to real estate owned                       40         129
</TABLE>

See notes to unaudited financial statements

                                       5
<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.  Effective January 31, 2000,  Roebling Bank (the
"Bank") became the wholly owned subsidiary of Roebling Financial Corp, Inc.

The results of operations for the three and nine months ended June 30, 2000, are
not  necessarily  indicative  of the results to be expected  for the year ending
September  30, 2000,  or any other future  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,
1999.

NOTE 2 - EARNINGS PER SHARE

Earnings per share are  computed by dividing net income by the weighted  average
number of common shares outstanding during the period. Shares outstanding do not
include shares of Company Common Stock purchased and held by the Bank's employee
stock ownership plan ("ESOP") and  unallocated  during the period ended June 30,
2000, in accordance  with SOP 93-6  "Employer's  Accounting  for Employee  Stock
Ownership Plans."

NOTE 3 - EMPLOYEE STOCK OWNERSHIP PLAN ("ESOP")

In connection with the Reorganization,  the Bank formed an ESOP. The ESOP covers
employees  who  have  completed  at  least  1,000  hours  of  service  during  a
twelve-month  period and have attained the age of 21. The ESOP borrowed $156,800
from an  independent  third party lender to fund the purchase of l5,680 or 8.0%,
of the shares of Bank common stock sold in the minority stock offering. The loan
to the ESOP was repaid to the  independent  third party  lender on February  24,
2000 by Roebling  Financial  Corp,  Inc.,  who  presently  holds the loan on its
books.  The Bank is  making  principal  only  payments  to the  Financial  Corp.
sufficient  to service the debt over the original  ten year  period.  Shares are
released  and  allocated  to the  participants  on the  basis of a  compensation
formula. Compensation expense related to the ESOP for the nine months ended June
30, 2000, was $14,916.

NOTE 4 - STOCK-BASED COMPENSATION PLANS

On January 26, 1999, the stockholders of the Bank approved the l998 Stock Option
Plan  (the  "Stock  Option  Plan")  and the  l998  Restricted  Stock  Plan  (The
"Restricted Stock Plan").

The Stock Option Plan  provides for  authorizing  the issuance of an  additional
19,596  shares of common  stock by the Bank upon the  exercise of stock  options
awarded to  officers,  directors,  key  employees  and other  persons  providing
services to the Bank. The Bank may also purchase shares through the open market.
The 19,596  shares of options  granted  under the Stock  Option Plan  constitute
either  Incentive  Stock Options or  Non-Incentive  Stock Options.  Common stock
issuable  pursuant to  outstanding  options will be considered  outstanding  for
purposes of  calculating  earnings  per share,  if  dilutive.  At June 30, 2000,
14,308 options have been granted and are exercisable.

The  Restricted  Stock Plan  provides for the purchase of 7,838 shares of common
stock  in the open  market.  All of the  Common  Stock  to be  purchased  by the
Restricted  Stock  Plan  will be  purchased  at the fair  market  or at value of
authorized  but unissued  shares of such stock on the date of  purchase.  Awards
under the  Restricted  Stock Plan were made in  recognition  of expected  future
services to the Bank by its directors,  officers,  and key employees responsible
for  implementation of the policies adopted by the Bank's Board of Directors and
as a means of providing a further retention  incentive.  The expense of the plan
will be accrued as shares vest over a four-year period beginning February, 1999.

                                       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,  year 2000  issues  and  general  economic  conditions.  Roebling
Financial Corp, Inc. undertakes no obligation to publicly release the results of
any revision to those  forward-looking  statements  which may be made to reflect
events or  circumstances  after the date hereof or to reflect the  occurrence of
unanticipated events.

         The Company's  business is conducted  primarily  through the Bank.  All
references to the Company refer collectively to the Company and the Bank.

Overview

         For the three  months  ended June 30,  2000,  the Company  reported net
income of $151,000, or $.36 per diluted share, from $58,000, or $.14 per diluted
share, for the same period in 1999. For the nine months ended June 30, 2000, the
Company  reported  net  income of  $387,000,  or $.93 per  diluted  share,  from
$196,000, or $.48 per diluted share, for the same period in 1999.

Changes in Financial Condition

         Total  assets  amount to $60.0  Million at June 30,  2000,  compared to
$57.9 million at September 30, l999,  representing a $2.1 million increase since
fiscal  year-end  1999.  Net loans totaled $41.4  million,  representing  a $5.7
million  increase from the fiscal  year-end  balance of $35.7 million.  The home
equity mortgage loan portfolio  increased $2.5 million as a result of promotions
for that product.  Commercial  mortgage loans  increased $1.8 million due to the
efforts of the Bank's commercial lending officer.  Mortgage loans secured by one
to four family properties  increased by $1.4 million.  Total deposits  increased
$3.6 million to $53.6  million at June 30,  2000,  from the  September  30, 1999
balance  of $50.0  million.  $2.2  million of that  increase  is from the active
promotion  of the  Bank's  newest  branch  in New  Egypt.  Stockholders'  equity
increased to $5.3 million at June 30, 2000 from the September 30, 1999,  balance
of $4.9 million, primarily due to the net income for the period.

Results of Operations

         Net Interest  Income.  For the three-month  period ended June 30, 2000,
the Company  reported net interest  income  before  provision for loan losses of
$665,000,  which  represents an increase of $135,000 or 25% over the same period
in 1999.  The increase is primarily due to greater  interest  income on the loan
portfolio of  approximately  $219,000,  partially  offset by increased  interest
expense on deposits and borrowings due to volume.

         For the nine-month period ended June 30, 2000, the Company reported net
interest income before provision for loan losses of $1,897,000, which represents
an increase of $366,000 or 24% over the same period of l999.  This is  primarily
due to a $490,000  increase in interest income on the loan portfolio,  offset by
greater  interest  expense  on  deposits  and  borrowings  due to volume  and an
increase in the cost of deposits.

         The average yield on investments for the three-month  period ended June
30, 2000,  was 6.14%  compared to 5.77% for the same period of l999. The average
balance of all  investments  decreased  $2.1  million to a quarterly  average of
$15.0 million for the three-month period ended June 30, 2000, from $17.1 million
for the same period of l999. The yield on the loan portfolio  increased to 8.22%
for the three-month  period ended June 30, 2000,  compared to 7.48% for the same
three-month period of l999. The cost of interest-bearing  liabilities  increased
to 3.58% for the three-month  period ended June 30, 2000,  compared to 3.36% for
the same  three-month  period of l999.  This was  primarily due to the increased
costs of the  certificate  of  deposit  portfolio  in a time  period  of  rising
interest rates.

                                       7
<PAGE>


         Non-interest  Income.  Total  non-interest  income for the  three-month
period ended June 30, 2000,  increased  $3,000,  to $90,000 from $87,000 for the
same period of l999. Total  non-interest  income for the nine-month period ended
June 30, 2000,  increased $55,000, to $279,000 from $224,000 for the same period
of l999.  Increases in total non-interest  income for the current year three and
nine-month  periods  were  primarily  related to increased  deposit  account fee
income.  For the current year three and nine-month  periods,  total non-interest
income was offset by a reduction in loan service fees and late charges.

         Provision  for Loan Losses.  The  provision for loan losses was $13,000
and $28,000,  respectively  for the three and nine-month  periods ended June 30,
2000,  compared to $6,000 and  $11,000,  respectively,  for the same  periods in
1999. Management  continually monitors and adjusts the allowance for loan losses
based upon its analysis of the loan portfolio. This analysis includes 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  expenses for the three and
nine-month periods ended June 30, 2000, were $497,000 and $1,519,000 compared to
$519,000 and $1,414,000  for the same period in 1999.  Increases in salaries and
employee  benefits for the current year nine-month  period reflects the addition
of new loan  personnel  to manage the  Bank's  loan  growth  and  annual  salary
increases for current staff members in the first quarter.  The Bank opened a new
Loan Center in March 2000. Increases in occupancy and equipment expenses for the
current  year  three  and  nine-month  periods  are  attributable  to  rent  and
furniture, fixtures and equipment expenses for the new center. Increases in data
processing  and service  bureau fees for the current  year three and  nine-month
periods resulted from an increased volume of deposit accounts and the processing
and transaction costs associated with such increased  volume.  Effective January
2000, federal insurance premium  assessments were decreased.  Decreases in other
expense for the current  three-month  period are  primarily due to reduced legal
and outside professional fees.


                                       8
<PAGE>



Liquidity and Regulatory Capital Compliance

         On June 30, 2000, the Bank was in compliance with its three  regulatory
capital requirements as follows:

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

Tangible capital                             $5,179       8.63%
Tangible capital requirement                    899       1.50%
                                             ------      -----
Excess over requirement                      $4,280       7.13%
                                             ======      =====

Core capital                                 $5,179       8.63%
Core capital requirement                      2,398       4.00%
                                             ------      -----
Excess over requirement                      $2,781       4.63%
                                             ======      =====

Risk based capital                           $5,390      14.83%
Risk based capital requirement                2,908       8.00%
                                             ------      -----
Excess over requirement                      $2,482       6.83%
                                             ======      =====


         The Company anticipates that it will have sufficient funds available to
meet its current  commitments.  As of June 30,  2000,  the Bank had  outstanding
mortgage  commitments  to fund loans of $925,000.  At June 30, 2000,  there were
commitments  on unused  lines of credit  relating to home  equity  loans of $3.7
million.  Certificates of deposit  scheduled to mature in one year or less as of
June 30, 2000, totaled $15.0 million.  Based on historical  deposit  withdrawals
and outflows,  and on internal monthly deposit reports  monitored by management,
management  believes  that a majority  of such  deposits  will  remain  with the
Company.


                                        9
<PAGE>

Additional Key Operating Ratios
                                                    At or for Three Months Ended
                                                             June 30,

                                                         2000(1)     1999(1)
                                                    --------------  ------------

Earnings per common share (2):
    Basic                                               $  0.37     $  0.14
    Diluted                                             $  0.36     $  0.14
Return on average assets (1)                               1.01%       0.43%
Return on average equity (1)                              11.49%       4.81%
Interest rate spread (1)                                   4.08%       3.54%
Net interest margin (1)                                    4.77%       4.12%
Non-interest expense to average assets (1)                 3.33%       3.85%
Nonperforming assets to total assets                        .47%       1.11%
Nonperforming loans to total loans                          .58%       1.45%

                                                            At  June 30,

                                                           2000        1999
                                                        -------     -------

Tangible book value per share (3)                       $ 12.56     $ 11.40

-------------
(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,  2000,  was  413,936  basic and 416,470  diluted.  The average
         number of shares  outstanding  during the three  months  ended June 30,
         1999, was 411,392 basic and diluted.
(3)      The average number of shares outstanding during the three months  ended
         June 30, 2000 was 425,500

                                                     At or for Nine Months Ended
                                                              June 30,

                                                         2000(1)    1999(1)
                                                     -----------  --------------

Earnings per common share (2):
    Basic                                               $  0.94     $ 0.48
    Diluted                                             $  0.93     $ 0.48
Return on average assets (1)                               0.87%      0.50%
Return on average equity (1)                              10.06%      5.48%
Interest rate spread (1)                                   3.95%      3.55%
Net interest margin (1)                                    4.62%      4.13%
Non-interest expense to average assets (1)                 3.43%      3.66%
Nonperforming assets to total assets                        .47%       .97%
Nonperforming loans to total loans                          .58%      1.43%

                                                              At June 30,

                                                        2000(1)     1999(1)
                                                       ---------   ---------

Tangible book value per share (3)                       $ 12.56     $ 11.40

-------------
(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,  2000,  was  413,544  basic and 417,759  diluted.  The average
         number of shares  outstanding  during  the nine  months  ended June 30,
         1999, was 411,392 basic and diluted.
(3)      The average number of shares outstanding during the nine months ended
         June 30, 2000 was 425,500

                                       10
<PAGE>
                         ROEBLING FINANCIAL CORP., INC.

                                     Part II


ITEM 1.           LEGAL PROCEEDINGS

                  The Company, from time to time, is a party to ordinary routine
                  litigation,  which  arises in the normal  course of  business,
                  such as claims to enforce liens,  condemnation  proceedings on
                  properties  in which the  Company  holds  security  interests,
                  claims  involving  the making and  servicing of real  property
                  loans  and  other  issues  incident  to  the  business  of the
                  Company. In the opinion of management, the resolution of these
                  lawsuits  would  not have a  material  adverse  effect  on the
                  financial condition or results of operations of the Company.

                  RKA   Corporation.   On  December  20,  1995,  the  plaintiffs
                  commenced this action against RKA Corporation  ("RKA") and the
                  Bank.  Cox v. RKA  Corporation  and Richard  Niel,  Docket No.
                  C-00l64-95,  Superior Court, Chancery Division, Camden County,
                  New Jersey.  In this action,  the plaintiffs  sought to compel
                  RKA to  specifically  perform  under an  existing  real estate
                  contract.  The  principal  of RKA  filed  for  bankruptcy  and
                  plaintiffs  took  judgment  against  him  before the filing of
                  bankruptcy.  The  plaintiff  amended the Complaint on March 8,
                  l996,  to add the  Bank  as a  party  seeking  to  negate  the
                  mortgage  held by the Bank on the subject  property.  On March
                  l9,  l997,  the  court  held in  favor of the  plaintiffs  and
                  imposed a  constructive  lien senior to that held by the Bank.
                  The Bank filed an appeal in the New Jersey Appellate Division,
                  Harry W. Cox v. RKA Corp., et al, Docket No. A-5089-96T1.  The
                  Bank had reserved  $80,000 against the loan in connection with
                  this suit.

                  The case was argued on October l4,  l998,  and on December 24,
                  l998,  in a  split  decision,  the  Appellate  Division  ruled
                  against the Bank.  On February 23, l999,  the Bank charged off
                  the loan in the  amount  of  $74,231  against  the  previously
                  reserved  allowance.  The Bank  filed an  appeal  with the new
                  Jersey Supreme Court on April l5, l999, Docket No. 47,315. The
                  case was argued on October 25,  l999.  On June 30,  2000,  the
                  Supreme Court affirmed the decision of the Appellate  Division
                  of the Superior Court.

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.


                                       11
<PAGE>




ITEM 6.           EXHIBITS AND REPORTS ON FORM 8-K.
                  3.(a)    Exhibits
                  2.1      Agreement and Plan of Reorganization *
                  3.1      Federal Stock Charter *
                  3.2      Bylaws *
                  4.0      Form of Stock Certificate *
                  10.1     Supplemental Executive Retirement Plan **
                  10.2     Directors' Retirement Plan **
                  10.3     Stock Option Plan *
                  10.4     Restricted Stock Plan *
                  27.0     Financial Data Schedule (electronic filing only)

                    (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  the Form
                                    8-K/A filed with the  Commission on February
                                    24, 2000.





                                       12

<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 3, 2000           By:   /s/John J. Ferry
                                      ------------------------------------------
                                      John J. Ferry
                                      Chairman
                                      (Principal Executive Officer)

Date:  August 3, 2000           By:   /s/John Y. Leacott
                                      ------------------------------------------
                                      John Y. Leacott
                                      Vice President and Chief Financial Officer
                                      (Principal Officer)