UNITED STATES
                       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 September 30, 2004

                                       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: 333-119007

                            GEORGETOWN BANCORP, INC.
        (Exact name of small business issuer as specified in its charter)

            Federal                                           Being applied for
(State or other jurisdiction of                               (I.R.S. Employer
incorporation or organization)                               Identification No.)

2 East Main Street, Georgetown, MA                                  01833
(Address of principal executive office)                           (Zip Code)

                                 (978) 352-8600
              (Registrant's telephone number, including area code)


Indicate by check whether the registrant: (1) has filed all reports required to
be filed by Sections 13 or 15(d) of the Securities Exchange Act of 1934 during
the preceding 12 months (or for 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      No  X*
                      ---     ---

Indicate by check whether the registrant is an accelerated  filer (as defined in
Rule 12b-2 of the Exchange Act). Yes       No  X*
                                     ---      ---

Indicate the number of shares outstanding of each of the issuer's classes of
common stock, as of the latest practicable date: Common Stock, $0.10 par value,
no shares outstanding as of December 22, 2004.*

       Transitional Small Business Disclosure Format:  YES      NO  X
                                                           ---     ---

___________
* The registrant's Registration Statement on Form SB-2 was declared effective on
November 12, 2004.



<PAGE>




                                   Form 10-QSB

                            GEORGETOWN BANCORP, INC.
                                Table of Contents

Part I.  Financial Information                                              Page
         ---------------------

Item 1:  Financial Statements (Unaudited)

         Georgetown Bancorp, Inc. (the "Company") was formed to
         serve as the stock holding company for Georgetown Savings Bank
         (the "Bank") as part of the Bank's reorganization into a mutual
         holding company structure. As of the date hereof, the Bank has
         not completed its reorganization and, accordingly, the Company
         has not yet issued any stock, has no assets or liabilities, and
         has not conducted any business other than that of an
         organizational nature. For a further discussion of the Company's
         formation and operations, see the Company's Registration
         Statement on Form SB-2, as amended, initially filed on September
         15, 2004 and declared effective on November 12, 2004 (File Number
         333-119007). Based upon the foregoing, the Unaudited Interim
         Financial Statements filed as a part of this quarterly report are
         those of the Bank as follows:

         Statements of Financial Condition as of September 30,
           2004 and June 30, 2004                                              1
         Statements of Income for the Three Months Ended
           September 30, 2004 and 2003                                         2
         Statements of Changes in Retained Earnings for the
           Three Months Ended September 30, 2004 and 2003                      3
         Statements of Cash Flows for the Three Months
           Ended September 30, 2004 and 2003                                   4
         Selected Notes to Financial Statements                                6

Item 2:  Management's Discussion and Analysis of Financial
           Condition and Results of Operations                                 7

Item 3:  Controls and Procedures                                               9

Part II. Other Information
         -----------------

Item 1: Legal Proceedings                                                      9
Item 2: Unregistered Sales of Equity Securities and Use of Proceeds            9
Item 3: Defaults upon Senior Securities                                        9
Item 4: Submission of Matters to a Vote of Security Holders                    9
Item 5: Other Information                                                      9
Item 6: Exhibits                                                               9

SIGNATURES                                                                    10

<PAGE>



                            GEORGETOWN BANCORP, INC.

                        STATEMENTS OF FINANCIAL CONDITION
                        ---------------------------------

                                                    ASSETS

<TABLE>
<CAPTION>

                                                                          At                 At
                                                                      September 30,       June 30,
                                                                          2004              2004
                                                                      ------------     ------------
                                                                       (Unaudited)

<S>                                                                   <C>              <C>
Cash and due from banks.....................................          $      2,647     $      2,233
Short-term investments......................................                   828            1,475
                                                                      ------------     ------------
     Total cash and cash equivalents........................                 3,475            3,708

Securities available for sale, at fair value................                11,417           10,299
Securities held to maturity, at amortized cost..............                14,081            3,682
Federal Home Loan Bank stock, at cost.......................                 2,305            1,549
Loans, net..................................................               104,614           98,357
Premises and equipment, net.................................                 5,006            5,077
Accrued interest receivable.................................                   496              411
Bank-owned life insurance...................................                 1,132            1,121
Other assets................................................                   927              654
                                                                      ------------     ------------

                                                                      $    143,453     $    124,858
                                                                      ============     ============

                                           LIABILITIES AND SURPLUS

Deposits....................................................          $     95,477     $     87,936
Securities sold under agreements to repurchase..............                   980              908
Short-term borrowings.......................................                17,450            6,340
Long-term Federal Home Loan Bank Advances...................                20,501           21,012
Mortgagors' escrow accounts.................................                   288              232
Accrued expenses and other liabilities......................                   463              361
                                                                      ------------     ------------
     Total liabilities......................................               135,159          116,789
                                                                      ------------     ------------


Surplus                                                                      8,298            8,171
Accumulated other comprehensive income (loss)...............                    (4)            (102)
                                                                      ------------     ------------
     Total surplus..........................................                 8,294            8,069
                                                                      ------------     ------------

                                                                      $    143,453     $    124,858
                                                                      ============     ============
</TABLE>



                                       1
<PAGE>



                            GEORGETOWN BANCORP, INC.

                              STATEMENTS OF INCOME
                                   (Unaudited)


<TABLE>
<CAPTION>


                                                                                 Three Months Ended
                                                                           September 30,    September 30,
                                                                               2004              2003
                                                                         --------------    --------------
Interest and dividend income:
<S>                                                                      <C>               <C>
   Interest and fees on loans.......................................     $        1,380    $        1,258
   Investment interest and dividends................................                247               134
   Short-term investments...........................................                  5                 9
                                                                         --------------    --------------
        Total interest and dividend income..........................              1,632             1,401
                                                                         --------------    --------------

Interest expense:
   Deposits.........................................................                326               316
   Federal Home Loan Bank advances..................................                274               217
   Securities sold under agreements to repurchase...................                  2                 2
                                                                         --------------    --------------
        Total interest expense......................................                602               535
                                                                         --------------    --------------

Net interest income.................................................              1,030               866
Provision for loan losses...........................................                 18                12
                                                                         --------------    --------------
        Net interest income, after provision for loan losses........              1,012               854
                                                                         --------------    --------------

Non-interest income:
   Customer service fees............................................                 81                93
   Loan fees........................................................                  6                11
   Loss on sale of securities.......................................                 (2)               --
   Income from bank-owned life insurance............................                 11                12
   Other............................................................                  2                --
                                                                         --------------    --------------
        Total non-interest income...................................                 98               116
                                                                         --------------    --------------

Non-interest expenses:
   Salaries and employee benefits...................................                492               424
   Occupancy and equipment expenses.................................                152               138
   Data processing expenses.........................................                 70                73
   Professional fees................................................                 41                40
   Advertising expense..............................................                 31                24
   Other general and administrative expenses........................                130               122
                                                                         --------------    --------------
        Total non-interest expenses.................................                916               821
                                                                         --------------    --------------

Income before income taxes..........................................                194               149

Income tax expense..................................................                 67                49
                                                                         --------------    --------------

Net income..........................................................     $          127    $          100
                                                                         ==============    ==============

</TABLE>


                                       2

<PAGE>


                            GEORGETOWN BANCORP, INC.

                   STATEMENTS OF CHANGES IN RETAINED EARNINGS
                   ------------------------------------------
                                   (Unaudited)

<TABLE>
<CAPTION>

                                                                              Accumulated
                                                                                 Other
                                                                             Comprehensive
                                                            Surplus          Income (Loss)          Total
                                                       ---------------     ---------------    ---------------

<S>                                                     <C>                 <C>                <C>
Balance at June 30, 2003..........................     $         7,915     $            27    $         7,942
                                                                                              ---------------

Comprehensive income:
    Net income....................................                 100                  --                100
    Change in unrealized gain/loss on securities
      available for sale, net of tax effects......                  --                 (21)               (21)
                                                                                              ---------------
         Total comprehensive income...............                                                         79
                                                       ---------------     ---------------    ---------------

Balance at September 30, 2003.....................     $         8,015     $             6    $         8,021
                                                       ===============     ===============    ===============

Balance at June 30, 2004..........................     $         8,171     $          (102)   $         8,069
                                                                                              ---------------

Comprehensive income:
    Net income....................................                 127                  --                127
    Change in unrealized gain/loss on securities
      available for sale, net of tax effects......                  --                  98                 98
                                                                                              ---------------
         Total comprehensive income...............                                                        225
                                                       ---------------     ---------------    ---------------

Balance at September 30, 2004.....................     $         8,298     $            (4)   $         8,294
                                                       ===============     ===============    ===============

</TABLE>




                                       3
<PAGE>


                            GEORGETOWN BANCORP, INC.

                            STATEMENTS OF CASH FLOWS
                            ------------------------
                                   (Unaudited)

<TABLE>
<CAPTION>

                                                                                    Three Months Ended
                                                                             September 30,      September 30,
                                                                                 2004               2003
                                                                           ---------------    ---------------

Cash flows from operating activities:
<S>                                                                        <C>                <C>
   Net income..........................................................    $          127     $          100
   Adjustments to reconcile net income to net cash provided by
    operating activities:
       Provision for loan losses.......................................                18                 12
       Loss on impairment of securities................................                 2                 --
       Amortization of securities, net.................................                 3                 12
       Amortization of deferred loan costs.............................                (5)               (19)
       Depreciation and amortization expense...........................                92                 85
       Increase in accrued interest receivable.........................               (85)               (36)
       Increase in bank-owned life insurance...........................               (11)               (13)
       Other, net......................................................              (225)                82
                                                                           --------------     --------------
          Net cash provided by operating activities....................               (84)               223
                                                                           --------------     --------------

Cash flows from investing activities: Activity in available-for-sale securities:
       Maturities, prepayments and calls...............................               327              1,273
       Purchases.......................................................            (1,497)            (5,973)
       Proceeds on sales of securities.................................               197                 --
   Activity in held-to-maturity securities:
       Maturities, prepayments and calls...............................               520              1,085
       Purchases.......................................................           (10,917)              (515)
   Purchase of Federal Home Loan Bank stock............................              (756)                --
   Loan originations, net of amortization and payoffs..................            (6,270)            (3,424)
   Purchase of premises and equipment..................................               (21)              (210)
                                                                           --------------     --------------
          Net cash used by investing activities........................           (18,417)            (7,764)
                                                                           --------------     --------------
</TABLE>


                                       4
<PAGE>


                            GEORGETOWN BANCORP, INC.

                            STATEMENTS OF CASH FLOWS
                            ------------------------
                                   (Unaudited)
                                   (continued)

<TABLE>
<CAPTION>

                                                                                            Three Months Ended
                                                                                      September 30,     September 30,
                                                                                          2004               2003
                                                                                    -------------      -------------

Cash flows from financing activities:
<S>                                                                                         <C>                <C>
   Net increase in deposits.....................................................            7,541              3,916
   Net increase (decrease) in securities sold under agreements to repurchase....               72                 (2)
   Proceeds of Federal Home Loan Bank advances with maturities
     greater than three months..................................................               --                500
   Repayments of Federal Home Loan Bank advances with
     maturities greater than three months.......................................             (511)            (1,514)
   Net change in Federal Home Loan Bank advances with maturities
     of three months or less....................................................           11,110               (700)
   Net change in mortgagors' escrow accounts....................................               56                 13
                                                                                    -------------      -------------
       Net cash provided by financing activities................................           18,268              2,213
                                                                                    -------------      -------------

Net change in cash and cash equivalents.........................................             (233)            (5,328)

Cash and cash equivalents at beginning of period................................            3,708              7,826
                                                                                    -------------      -------------

Cash and cash equivalents at end of period......................................    $       3,475      $       2,498
                                                                                    =============      =============

Supplementary information:
   Interest paid on deposit accounts............................................    $         326      $         316
   Interest paid on Federal Home Loan Bank advances.............................              274                217
   Interest paid on securities sold under agreement to repurchase...............                2                  2
   Income taxes paid............................................................               --                  3

</TABLE>



                                       5
<PAGE>


                            GEORGETOWN BANCORP, INC.

                     SELECTED NOTES TO FINANCIAL STATEMENTS


1.   BASIS OF PRESENTATION

     The accompanying unaudited financial statements were prepared in accordance
     with  instructions  for Form 10-QSB and  Regulation  S-X and do not include
     information or footnotes necessary for a complete presentation of financial
     condition,  results  of  operations,  and  cash  flows in  conformity  with
     generally  accepted  accounting  principles.  However,  in the  opinion  of
     management,  all adjustments  (consisting of normal recurring  adjustments)
     necessary for a fair  presentation  of the financial  statements  have been
     included.  The  results of  operations  for the  three-month  period  ended
     September 30, 2004 are not  necessarily  indicative of the results that may
     be expected for the entire fiscal year. These financial  statements  should
     be read in  conjunction  with the  financial  statements  and notes thereto
     included in the Bank's 2004 Consolidated  Financial  Statements included in
     the Company's Registration Statement on Form S-B2, as amended.


2.   NET INCOME PER COMMON SHARE

     Basic and diluted net income per common share is not  calculated  since the
     Bank is in process  of  reorganizing  into stock form for the period  ended
     September 30, 2004.

3.   MUTUAL HOLDING COMPANY REORGANIZATION AND MINORITY STOCK ISSUANCE

     On June 15, 2004, the Board of Trustees of the Bank unanimously adopted the
     Plan of Reorganization from a Mutual Savings Bank to Mutual Holding Company
     and Stock  Issuance (the "Plan").  Pursuant to the Plan, the Bank will: (i)
     convert to a stock savings Bank as the successor to the Bank in its current
     mutual form; (ii) organize the Company as a federally-chartered corporation
     that will own 100% of the  common  stock of the Bank (in stock  form);  and
     (iii) organize  Georgetown  Bancorp,  MHC as a  federally-chartered  mutual
     holding  company  that  will own at least  51% of the  Common  Stock of the
     Company so long as the mutual  holding  company  remains in existence.  The
     Bank,  organized in stock form, will succeed to the business and operations
     of the  Bank in its  mutual  form  and the  Company  will  sell a  minority
     interest in its Common Stock in a public stock offering.

     Following the  completion of the  reorganization,  all  depositors  who had
     liquidation  and other rights with respect to the Bank as of the  effective
     date of the  reorganization  will  continue to have such rights solely with
     respect to the mutual  holding  company  so long as they  continue  to hold
     deposit  accounts  with the Bank.  In  addition,  all  persons  who  become
     depositors  of the Bank  subsequent  to the  reorganization  will have such
     liquidation and other rights with respect to the mutual holding company.

     The  Company   plans  to  offer  to  the  public  shares  of  common  stock
     representing  a minority  ownership of the estimated pro forma market value
     of the Bank as determined by an independent  appraisal.  The mutual holding
     company will maintain the majority ownership of the Company. Costs incurred
     in connection  with the  reorganization  and offering will be recorded as a
     reduction  in the  proceeds  of the  offering.  If the  transaction  is not
     consummated,  all costs incurred in the  transaction  will be expensed.  At
     September 30, 2004,  reorganization  expenses of approximately $322,000 had
     been recorded in other assets.



                                       6
<PAGE>


Item 2. Management's  Discussion and Analysis of Financial Condition and Results
        of Operations

Comparison of Financial Condition at September 30, 2004 and June 30, 2004

     Our total assets increased by $18.6 million, or 14.9%, to $143.5 million at
September 30, 2004,  from $124.9 million at June 30, 2004. The increase in total
assets  resulted  primarily  from  increases in loans  receivable and investment
securities held to maturity.  The increase in loans  receivable of $6.3 million,
or 6.4%, to $104.6 million at September 30, 2004, reflected continued demand for
one-  to  four-family   mortgage  loans  in  the  continued  low  interest  rate
environment,  as  well as  moderating  refinancing  activity.  The  increase  in
investment  securities  held to maturity of $10.4 million,  or 282.4%,  to $14.1
million at September 30, 2004,  reflected the results of a leverage  transaction
undertaken  during  the  period.  This  transaction  was  funded by three  equal
advances from the Federal Home Loan Bank of Boston  aggregating $10.5 million at
a rate of approximately 1.42%, and increased balances of certificates of deposit
that  resulted  from a special  rate (at 3.75%)  that we  offered on  three-year
certificates of deposit during the period.

     Total  deposits  increased by $7.6  million,  or 8.6%,  to $95.5 million at
September  30,  2004,  from $87.9  million at June 30,  2004.  The  increase  in
deposits   resulted   from   a   $4.3   million,    or   12.4%,    increase   in
certificate-of-deposit accounts and a $1.8 million, or 17.0%, increase in demand
deposit  accounts.  Our advances from the Federal Home Loan Bank increased $10.6
million,  or 38.8%, to $38.0 million at September 30, 2004 from $27.4 million at
June 30,  2004,  reflecting  the  increases  used to fund  loan  growth  and the
leverage transaction.

     Retained earnings increased $225,000, or 2.8%, to $8.3 million at September
30, 2004, from $8.1 million at June 30, 2004, reflecting net income of $127,000,
and a decrease in accumulated  other  comprehensive  loss to $4,000 at September
30, 2004, from $102,000 at June 30, 2004,  reflecting  $98,000 in net unrealized
gains on securities  available for sale for the three months ended September 30,
2004.

Comparison  of Operating  Results for the Three Months Ended  September 30, 2004
and 2003

     General.  Net income increased $27,000, or 27.0%, to $127,000 for the three
months  ended  September  30,  2004,  from  $100,000  for the three months ended
September  30,  2003.  The  increase in net income  reflected an increase in net
interest  income,  which more than  offset  increased  non-interest  expense and
decreased non-interest income.

     Interest Income.  Interest income increased by $231,000,  or 16.5%, to $1.6
million for the three months ended September 30, 2004, from $1.4 million for the
three months ended September 30, 2003. The increase resulted from an increase of
$122,000,  or 9.7%, in interest  income on loans  receivable  and an increase of
$113,000, or 84.3%, in interest and dividend income on securities.  The increase
in  interest  income  reflected  the $22.3  million,  or 20.8%,  increase in the
average  balance  of  interest-earning  assets to  $129.3  million  from  $107.0
million.  Partially  offsetting the increase in interest income  attributable to
higher  average  balances  of  interest-earning  assets  was the 19 basis  point
decrease in the average yield on interest-earning  assets to 5.05% for the three
months ended  September 30, 2004 from 5.24% for the three months ended September
30, 2003.

     Interest income on loans receivable  increased  $122,000,  or 9.7%, to $1.4
million for the three months ended September 30, 2004, from $1.3 million for the
three months ended  September 30, 2003.  The increase was due to the increase in
the average  balance of loans  receivable of $13.5 million,  or 15.1%, to $103.0
million for the three months ended September 30, 2004 from $89.4 million for the
three months ended September 30, 2003,  partially  offset by the decrease in the
average yield to 5.36% from 5.63%.

                                       7

<PAGE>

     Interest and dividend income on investment  securities  increased $113,000,
or 84.3%,  to  $247,000  for the three  months  ended  September  30,  2004 from
$134,000 for the three months ended  September 30, 2003. The increase was due in
part to the increase in the average  balance of  investment  securities of $10.4
million,  or 72.9%,  to $24.7  million for the three months ended  September 30,
2004 from $14.3  million for the three months  ended  September  30, 2003.  Also
contributing  to the  increase in interest and  dividend  income on  investments
securities  was the 23 basis point  increase in the average  yield on investment
securities to 4.02% for the three months ended  September  30, 2004,  from 3.79%
for the three months ended September 30, 2003.

     Interest Expense. Interest expense increased $67,000, or 12.5%, to $602,000
for the three  months ended  September  30,  2004,  from  $535,000 for the three
months ended September 30, 2003. The increase in interest expense was due to the
$20.3 million,  or 20.8%,  increase in the average  balance of  interest-bearing
liabilities  to $118.0  million for the three months ended  September  30, 2004,
from $97.7 million in the same period ended 2003, partially offset by a 15 basis
point decrease in the average cost to 2.04% for the three months ended September
30, 2004, from 2.19% for the same period in 2003.

     Interest expense on Federal Home Loan Bank advances increased  $57,000,  or
26.3%, due to a $17.4 million increase in the average balance of advances during
the three months ended September 30, 2004, to $38.2 million,  from $20.8 million
during the same period in 2003,  partially  offset by a 130 basis point decrease
in the  average  cost of the  advances  to  2.87%  for the  three  months  ended
September  30,  2004,  from  4.17% for the same  period  in 2003.  Additionally,
interest  expense on  certificates  of deposit  increased  $8,000,  or 3.3%,  to
$253,000 for the three months ended  September  30, 2004,  from $245,000 for the
same period in 2003.  The increase  was due to the $2.0 million  increase in the
average  balance of the  certificates  of  deposit  for the three  months  ended
September  30, 2004,  to $35.2 million from $33.2 million for the same period in
2003,  partially offset by a 7 basis point decrease in the average cost to 2.88%
for the three months ended  September 30, 2004, from 2.95% in the same period of
2003.

     Net Interest Income. Net interest income increased  $164,000,  or 18.9%, to
$1.0 million during the three months ended September 30, 2004, from $900,000 for
the same period in 2003. The increase in our net interest income was a result of
the $2.0 million, or 21.1%, increase in our net interest-earning assets to $11.3
million for the three months ended  September 30, 2004, from $9.3 million during
the same period in 2003,  partially  offset by the  decrease in our net interest
margin to 3.19% during the three months ended September 30, 2004, from 3.24% for
the same period ended 2003.

     Provision  for Loan  Losses.  We made a provision  of $18,000 for the three
months ended  September  30, 2004,  as compared to a $12,000  provision  for the
three  months  ended  September  30, 2003.  The  increase in the  provision  was
primarily due to a 97 basis point increase in our non-performing  loans to total
loans at September 30, 2004,  as compared to September  30, 2003.  The allowance
for loan losses was  $894,000,  or 0.85% of loans  outstanding  at September 30,
2004, as compared to $828,000,  or 0.90% of loans  outstanding  at September 30,
2003.

     Non-interest Income. Non-interest income decreased by $18,000, or 15.5%, to
$98,000 for the three months ended  September  30, 2004,  from  $116,000 for the
three month ended September 30, 2003.  Customer  service fees decreased  $12,000
for the three  months  ended  September  30,  2004,  due to a reduction  in fees
collected  relating to investment  services and  penalties on deposit  accounts.
Loan fees decreased $5,000 for the three months ended September 30, 2004, due to
a decrease in  pre-payment  penalties  and  delinquency  charges.  Additionally,
results for the three months ended  September 30, 2004 included a $2,000 loss on
the sale of a security, while the three months ended September 30, 2003, did not
have such activity.

     Non-interest Expense.  Non-interest expense increased $95,000, or 11.6%, to
$916,000 for the three months ended  September  30, 2004,  from $821,000 for the
three  months  ended  September  30, 2003.  Compensation  and employee  benefits
increased  $68,000,  or 16.0%,  reflecting  annual  salary  increases and higher
benefit costs.  Occupancy expenses increased $14,000, or 10.4%, due to increased
depreciation  costs and maintenance  costs  associated with our new main office.
Advertising  expenses  increased  $6,000,  or  26.3%,  due  to  the  use  of new
advertising  mediums and promotions during the period. Our non-interest  expense
associated with data processing services was little changed for the three months
ended September 30, 2004, as compared to the same period in 2003.  Other general
and administrative expenses increased $8,000, or 6.5%, to $130,000 for the three
months ended  September  30,  2004,  from  $122,000  from the three months ended
September 30, 2003.

     Income Tax Expense. The provision for income taxes increased to $67,000 for
the three months  ended  September  30, 2004,  from $49,000 for the three months
ended  September 30, 2003, due primarily to the increased level of income before
taxes of $194,000  for the three months ended  September  30, 2004,  compared to
$149,000  for the same  period in 2003.  The  effective  tax rates for the three
months ended September 30, 2004 and 2003 were 34.7% and 33.0%, respectively.


                                       8

<PAGE>

Item 3.       Controls and Procedures

     Under  the  supervision  and  with  the  participation  of our  management,
including our Chief Executive Officer and Chief Financial Officer,  we evaluated
the  effectiveness  of the design and operation of our  disclosure  controls and
procedures  (as defined in Rule  13a-15(e)  or  15d-15(e)  under the  Securities
Exchange Act of 1934) as of the end of the period covered by this report.  Based
upon that evaluation,  the Chief Executive  Officer and Chief Financial  Officer
concluded  that,  as of the  end of the  period  covered  by  this  report,  our
disclosure  controls and procedures  were  effective to ensure that  information
required to be disclosed in the reports that the Company  files or submits under
the  Securities  Exchange Act of 1934, is recorded,  processed,  summarized  and
reported,  within the time periods specified in the SEC's rules and forms. There
has been no change in the Company's  internal  control over financial  reporting
during the Company's most recent fiscal quarter that has materially affected, or
is reasonably likely to materially  affect,  the Company's internal control over
financial reporting.


PART II. OTHER INFORMATION

Item 1.       Legal Proceedings

              Not applicable

Item 2.       Unregistered Sales of Equity Securities and Use of Proceeds

              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

              Not applicable

Item 6.       Exhibits

              Exhibits

              31.1 Certification of Chief Executive  Officer pursuant to Section
                   302 of the Sarbanes-Oxley Act

              31.2 Certification of Chief Financial Officer  pursuant to Section
                   302 of the Sarbanes-Oxley Act

              32   Certification of Chief Executive Officer and Chief Financial
                   Officer pursuant to Section 906 of the Sarbanes-Oxley Act

                                       9

<PAGE>


                            GEORGETOWN BANCORP, INC.

                                   SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned, thereunto duly authorized.


                                    GEORGETOWN BANCORP, INC.
                                    (Registrant)




Date: December 23, 2004             /s/ Robert E. Balletto
                                    ------------------------------------
                                    Robert E. Balletto
                                    President and Chief Executive Officer
                                    (Principal Executive Officer)


                                    /s/ Joseph W. Kennedy
                                    ------------------------------------
                                    Joseph W. Kennedy
                                    Senior Vice President, Treasurer and Chief
                                    Financial Officer
                                    (Principal Accounting and Financial Officer)





                                       10