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, 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 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 1, 2001

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


<PAGE>



                          ROEBLING FINANCIAL CORP, INC.
                                   FORM 10-QSB
                     FOR THE QUARTER ENDED DECEMBER 31, 2000

                                      INDEX

                                                                           Page
                                                                          Number
                                                                          ------

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

Item 1.  Financial Statements and Notes Thereto                            1 - 5
Item 2.  Management's Discussion and Analysis of Financial
                  Condition and Results of Operations                      6 - 7

PART II - OTHER INFORMATION

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

SIGNATURES                                                                   9

<PAGE>

ROEBLING FINANCIAL CORP, INC.
STATEMENTS OF FINANCIAL CONDITION

(In Thousands)
<TABLE>
<CAPTION>
                                                                   December 31,         September 30,
                                                                       2000                 2000
                                                                 ------------------   ------------------
                                                                              (Unaudited)
<S>                                                                      <C>                  <C>
Assets

Cash and due from banks                                                     $2,017               $2,774
Interest bearing deposits                                                      305                  799
                                                                 ------------------   ------------------
     Total cash and cash equivalents                                         2,322                3,573

Certificates of deposit                                                        300                  300
Securities available for sale                                                   35                   29
Securities held to maturity                                                  8,158                8,410
Mortgage-backed and related securities held to maturity, net                 4,945                5,184
Loans receivable, net                                                       41,729               40,546
Real estate owned                                                               51                   44
Accrued interest receivable                                                    442                  394
Federal Home Loan Bank of New York stock, at cost                              388                  388
Premises and equipment                                                       1,078                1,089
Other assets                                                                    15                   89
                                                                 ------------------   ------------------
     Total assets                                                          $59,463              $60,046
                                                                 ==================   ==================

Liabilities and Stockholders' Equity

Liabilities
Deposits                                                                   $53,022              $53,471
Advances from borrowers for taxes and insurance                                427                  444
Accrued interest payable                                                        46                   40
Other liabilities                                                              368                  604
                                                                 ------------------   ------------------
     Total liabilities                                                      53,863               54,559
                                                                 ------------------   ------------------
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                                                   1,658                1,657
Unallocated employee stock ownership plan shares                              (106)                (110)
Retained earnings - substantially restricted                                 3,985                3,881
Accumulated other comprehensive income - unrealized gain
  on securities available for sale, net of tax                                  20                   16
                                                                 ------------------   ------------------
     Total stockholders' equity                                              5,600                5,487
                                                                 ------------------   ------------------
     Total liabilities and stockholders' equity                            $59,463              $60,046
                                                                 ==================   ==================
</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
                                                                                  December 31,
                                                                 -----------------------------------------------
                                                                         2000                     1999
                                                                 ---------------------    ----------------------
<S>                                                                         <C>                       <C>
Interest income:
   Loans receivable                                                              $838                      $714
   Securities held to maturity                                                    127                       153
   Mortgage-backed and related securities held to maturity                         84                        81
   Other interest earning assets                                                   44                        20
                                                                 ---------------------    ----------------------
        Total interest income                                                   1,093                       968
                                                                 ---------------------    ----------------------

Interest expense:
   Deposits                                                                       432                       355
   Borrowed funds                                                                   1                        11
                                                                 ---------------------    ----------------------
        Total interest expense                                                    433                       366
                                                                 ---------------------    ----------------------

Net interest income before provision for loan losses                              660                       602
Provision for loan losses                                                          24                         7
                                                                 ---------------------    ----------------------
        Net interest income after provision for loan losses                       636                       595
                                                                 ---------------------    ----------------------

Non-interest income:
   Loan service charges and late charges                                           16                        20
   Account servicing and other                                                     79                        77
                                                                 ---------------------    ----------------------
        Total non-interest income                                                  95                        97
                                                                 ---------------------    ----------------------

Non-interest expense:
   Compensation and benefits                                                      302                       282
   Occupany and equipment                                                          50                        43
   Service bureau and data processing                                              75                        72
   Federal insurance premiums                                                       3                         7
   Other expense                                                                  130                       122
                                                                 ---------------------    ----------------------
        Total non-interest expense                                                560                       526
                                                                 ---------------------    ----------------------

        Income before provision for income taxes                                  171                       166
Provision for income taxes                                                         67                        65
                                                                 ---------------------    ----------------------
        Net income                                                                104                       101

Other comprehensive income, net of tax:
   Unrealized gain on securities available for sale, net of tax                     4                         -
                                                                 ---------------------    ----------------------
Comprehensive income                                                             $108                      $101
                                                                 =====================    ======================

Basic earnings per share                                                        $0.25                     $0.24
Diluted earnings per share                                                      $0.25                     $0.24
</TABLE>

See notes to unaudited financial statements.

                                        2
<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, 2000                $43            $1,657           ($110)        $3,881               $16        $5,487

Net income for the three months
  ended December 31, 2000                      -                 -               -            104                 -           104

Change in unrealized gain on
  securities available for sale,
  net of income taxes                          -                 -               -              -                 4             4

Amortization of ESOP shares                    -                 1               4              -                 -             5
                                   --------------  ----------------  -------------- --------------  ----------------  ------------
Balance at December 31, 2000                 $43            $1,658           ($106)        $3,985               $20        $5,600
                                   ==============  ================  ============== ==============  ================  ============
</TABLE>


See notes to unaudited financial statements.

                                        3
<PAGE>
ROEBLING FINANCIAL CORP, INC.
STATEMENTS OF CASH FLOWS

(Unaudited)

(In Thousands)
<TABLE>
<CAPTION>
                                                                             For the Three Months Ended
                                                                                    December 31,
                                                                      ---------------------------------------
                                                                            2000                 1999
                                                                      ------------------   ------------------
<S>                                                                             <C>                  <C>
Cash flows from operating activities:
   Net income                                                                      $104                 $101
   Adjustments to reconcile net income to cash provided by
     operating activities:
         Depreciation                                                                18                   16
         Amortization of premiums and discounts on investment securities
           held to maturity, net                                                      2                    5
         Amortization of premiums and discounts on mortgage-backed                    2                    3
           securities, net
         Amortization of deferred loan fees and costs, net                            7                   12
         Provision for loan losses                                                   24                    7
         Decrease (increase) in other assets                                         74                 (128)
         Increase in accrued interest receivable                                    (48)                  (8)
         Increase  (decrease) in accrued interest payable                             6                   (7)
         (Decrease) increase in other liabilities                                  (238)                  83
         Amortization of ESOP shares                                                  5                    5
                                                                      ------------------   ------------------
                   Net cash (used in) provided by operating activities              (44)                  89
                                                                      ------------------   ------------------
Cash flows from investing activities:
    Net decrease in Federal Home Loan Bank term deposits                              -                  250
    Proceeds from maturities of securities held to maturity                         250                  400
    Proceeds from principal repayments of mortgage-backed securities                237                  333
    Loan originations, net of principal repayments                               (1,214)              (2,150)
    Additions to real estate owned                                                   (7)                   -
    Proceeds from sale of real estate owned                                           -                   94
    Purchase of premises and equipment                                               (7)                   -
                                                                      ------------------   ------------------
                   Net cash used in investing activities                           (741)              (1,073)
                                                                      ------------------   ------------------
Cash flows from financing activities:
    Net (decrease) increase in deposits                                            (449)                 856
    Net decrease in short-term borrowed funds                                         -                 (904)
    (Decrease) increase in advance payments by borrowers for taxes
       and insurance                                                                (17)                  35
                                                                      ------------------   ------------------
                   Net cash used in financing activities                           (466)                 (13)
                                                                      ------------------   ------------------

    Net decrease in cash and cash equivalents                                    (1,251)                (997)
    Cash and cash equivalents at beginning of period                              3,573                3,573
                                                                      ------------------   ------------------
    Cash and cash equivalents at end of period                                   $2,322               $2,576
                                                                      ==================   ==================

Supplemental Disclosures of Cash Flow Information:
    Cash paid for:
        Interest on deposits and borrowed funds                                     427                  458
        Income taxes                                                                227                   23
</TABLE>

See notes to unaudited 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, 2000, are not
necessarily  indicative  of the  results  to be  expected  for the  year  ending
September  30, 2001,  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,
2000 included in the Company's Annual Report on form 10-KSB.

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 December
31, 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 three  months ended
December 31, 2000, was $5,323.

                                       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,  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 December 31, 2000, the Company  reported net
income of  $104,000,  or $.25 per  diluted  share,  from  $101,000,  or $.24 per
diluted share, for the same period in 1999.

Results of Operations

         Net Interest  Income.  For the  three-month  period ended  December 31,
2000, the Company  reported net interest income before provision for loan losses
of $660,000, which represents an increase of $58,000 or 10% over the same period
in 1999.  The increase is primarily due to greater  interest  income on the loan
portfolio of  approximately  $124,000,  offset by a $67,000 increase in interest
expense on deposits and borrowings.

         The average  yield on  investments  for the  three-month  period  ended
December 31, 2000,  was 6.62% compared to 6.09% for the same period of 1999. The
average balance of all investments decreased $1.3 million to a quarterly average
of $15.4 million for the three-month  period ended December 31, 2000, from $16.7
million for the same period of 1999. The yield on the loan  portfolio  increased
to 8.16% for the three-month  period ended December 31, 2000,  compared to 7.58%
for  the  same  three-month  period  of  1999.  The  cost  of   interest-bearing
liabilities  increased to 3.76% for the  three-month  period ended  December 31,
2000,  compared  to 3.36%  for the same  three-month  period  of 1999.  This was
primarily due to the increased costs of the certificate of deposit  portfolio in
a time period of rising interest rates.

         Provision  for Loan Losses.  The  provision for loan losses was $24,000
for the three month period ended  December 31, 2000,  compared to $7,000 for the
same period 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  expense for the three-month
period ended December 31, 2000, was $560,000,  compared to $526,000 for the same
period in 1999.  While  virtually  all  expenses  increased  during the  current
three-month  period,   compensation  and  benefits  was  the  most  significant.
Increases in compensation and benefits for the current year  three-month  period
are  primarily  the result of the addition of a Chief  Operating  Officer to the
management team.  Effective January 2000, federal insurance premium  assessments
were decreased.

                                       6
<PAGE>
Liquidity and Regulatory Capital Compliance

         On  December  31,  2000,  the Bank  was in  compliance  with its  three
regulatory capital requirements as follows:

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

Tangible capital                                      $5,428             9.13%
Tangible capital requirement                             892             1.50%
                                                      ------            -----
Excess over requirement                               $4,536             7.63%
                                                      ======            =====

Core capital                                          $5,428             9.13%
Core capital requirement                               2,379             4.00%
                                                      ------            -----
Excess over requirement                               $3,049             5.13%
                                                      ======            =====

Risk based capital                                    $5,680            15.75%
Risk based capital requirement                         2,885             8.00%
                                                      ------            -----
Excess over requirement                               $2,795             7.75%
                                                      ======            =====


         The Company anticipates that it will have sufficient funds available to
meet its current commitments.  As of December 31, 2000, the Bank had outstanding
mortgage commitments to fund loans of $860,000. At December 31, 2000, there were
commitments on unused lines of credit of $4.4 million.  Certificates  of deposit
scheduled to mature in one year or less as of December 31, 2000,  totaled  $15.4
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 Three Months Ended
                                                     December 31,

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

Earnings per common share (2):
    Basic                                    $   0.25           $   0.24
    Diluted                                  $   0.25           $   0.24
Return on average assets (1)                      .69%              0.69%
Return on average equity (1)                     7.49%              8.09%
Interest rate spread (1)                         3.98%              3.76%
Net interest margin (1)                          4.67%              4.39%
Non-interest expense to average assets (1)       3.75%              3.60%
Non-performing assets to total assets             .42%               .71%
Non-performing loans to total loans               .48%              1.12%

                                                     At December 31,
                                                 2000               1999
                                             ---------          ---------

Tangible book value per share (3)            $  13.16           $  11.87

-------------------
(1)  The ratios for the three-month period presented are annualized.
(2)  The average  number of shares  outstanding  during the three  months  ended
     December  31,  2000,  was 414,524  basic and 416,024  diluted.  The average
     number of shares  outstanding  during the three months  ended  December 31,
     1999, was 413,152 basic and 421,874 diluted.
(3)  The average  number of shares  outstanding  during the three  months  ended
     December 31, 2000 was 425,500

                                       7
<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*

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

                                       8

<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 6, 2001         By: /s/Robert P. Hawkins, Jr.
                                    --------------------------------------------
                                    Robert P. Hawkins, Jr.
                                    President  and Chief Executive Officer
                                    (Principal Executive Officer)

Date:  February 6, 2001         By: /s/John Y. Leacott
                                    --------------------------------------------
                                    John Y. Leacott
                                    Vice President and Chief Financial Officer
                                    (Principal Accounting Officer)


                                       9