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| x | Annual Report pursuant to Section 13 or 15 (d) of the Securities and Exchange Act of 1934 for the fiscal year ended December 31, 2009. |
|---|----------------------------------------------------------------------------------------------------------------------------------------|

| o | Transition Report pursuant to Section 13 or 15 (d) of the Securities Exchange Act of 1934 for the transition period from _________ to ________. |
|---|-------------------------------------------------------------------------------------------------------------------------------------------------|

| Commission File # 0-32605 |
|---------------------------|

| NEFFS BANCORP, INC. |
|---------------------|

| (Exact name of registrant as in its charter) |
|----------------------------------------------|

| Pennsylvania                                                        |   | 23-2400383                              |
|---------------------------------------------------------------------|--------|-----------------------------------------|
| (State or other jurisdiction of incorporation or organization) |   | (I.R.S. Employer Identification Number) |
|                                                                |   |                                    |

| 5629 Route 873, P.O. Box 10, Neffs, PA  18065-0010 |
|--------------------------------------------------------------|

| (Address of principal executive offices) |
|------------------------------------------|

| Registrant’s telephone number including area code:  610-767-3875 |
|----------------------------------------------------------------------------------|

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| (1)   | The aggregate dollar amount of the voting stock set forth equals the number of shares of the registrant’s Common Stock outstanding, reduced by the amount of Common Stock held by executive officers, directors and stockholders owning in excess of 10% of the registrant’s Common Stock, multiplied by the last sale price for the registrant’s Common Stock on June 30, 2009.  The information provided shall in no way be construed as an admission that the officers, directors, or 10% stockholders in the registrant may be deemed an affiliate of the registrant or that such person is the beneficial owner of the shares reported as being held by him and any such inference is hereby disclaimed.  The information provided herein is included solely for the record keeping purpose of the Securities and Exchange Commission. |
|-----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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|                              |   | Neffs Bancorp, Inc |
|-----------------------------------|--------|--------------------|
|                              |   |               |   |
| Date:  January 11, 2011 |   | By:                | /s/ John J. Remaley |
|                              |   |               | John J. Remaley |
|                              |   |               | President andChief Executive Officer |

| Signatures                           |   | Title                                                     | Date               |
|--------------------------------------|--------|-----------------------------------------------------------|--------------------|
|   /s/ John J. Remaley      |   |                                                 |     |
|  John J. Remaley                |   | President, Chief Executive Officer and Director           | January 11, 2011   |
|   /s/Kevin A. Schmidt      |   |                                                 |     |
|  Kevin A. Schmidt               |   | Vice President, Director and Principal Accounting Officer | January 11, 2011   |
|   /s/Robert B. Heintzelman |   |                                                 |     |
|  Robert B. Heintzelman          |   | Director                                                  | January 11, 2011   |
|   /s/Mary Ann Wagner       |   |   Director                                      |          |
|  Mary Ann Wagner                |   |                                                      | January 11, 2011   |
|   /s/John F. Simock        |   |                                            |     |
|  John F. Simock                 |   | Director                                                  | January 11, 2011   |
|   /s/John F. Sharkey, Jr.  |   |                                            |     |
|  John F. Sharkey, Jr.           |   | Director                                                  | January 11, 2011   |
|   /s/Duane A. Schleicher   |   |                                            |     |
|  Duane A. Schleicher            |   | Director                                                  | January 11, 2011   |
|   /s/Dean H. Snyder        |   |                                            |     |
|  Dean H. Snyder                 |   | Director                                                  | January 11, 2011   |