EXHIBIT 10(c)
                        AMENDMENT TO EMPLOYMENT AGREEMENT

                                 BY AND BETWEEN

                  U.S.B. HOLDING CO., INC. AND UNION STATE BANK

                                       AND

                                RAYMOND J. CROTTY

                  MADE AND ENTERED INTO AS OF OCTOBER 11, 2001



         WHEREAS, Mr. Crotty currently serves U.S.B. Holding Co., Inc. (the
"Company") and Union State Bank (the "Bank") in the capacity of Senior Executive
Vice President, Chief Credit Officer and Assistant Secretary; and

         WHEREAS, Mr. Crotty, the Company and Bank are party to an Employment
Agreement ("Agreement") for such services made and entered into as of November
16, 1998, as amended November 8, 2000; and

         WHEREAS, the term of the Agreement expires on November 16, 2001; and

         WHEREAS, Mr. Crotty is willing to continue to serve the Company and the
Bank in the capacity described above, and the Company and Bank desires Mr.
Crotty to serve in such capacity on the same terms and conditions as set forth
in the Agreement, except as otherwise amended and modified as hereinafter set
forth;

         NOW, therefore, in consideration of the premises and mutual covenants
and conditions hereinafter set forth, the Company, the Bank and Mr. Crotty
hereby agree that all terms of the Agreement dated November 16, 1998 and as
amended November 8, 2000, and as further amended herein will continue and
remain, except for modification of those terms as set forth below:

         SECTION 2(A) EMPLOYMENT PERIOD: REMAINING UNEXPIRED EMPLOYMENT PERIOD
         The term of employment shall be extended for a period of three years
         beginning on the date of this Amendment to Employment Agreement and
         ending on the third anniversary date of this Amendment to Employment
         Agreement (an "Anniversary Date"), plus such extensions, if any, as are
         provided in this Agreement or otherwise agreed to by the Board of
         Directors of the Company and the Bank.



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AMENDMENT TO EMPLOYMENT AGREEMENT BY AND BETWEEN
U.S.B. HOLDING CO., INC., UNION STATE BANK AND RAYMOND J. CROTTY
MADE AND ENTERED INTO AS OF OCTOBER 11, 2001



         SECTION 4   CASH COMPENSATION
         In consideration for the services to be rendered by Mr. Crotty
         hereunder, the Company and the Bank shall together pay him a salary at
         an initial annual rate of $225,000. All other provisions of this
         Section 4 shall remain the same as that included in the Agreement.

         All of the terms of the Agreement shall remain the same and shall
remain in force through the term of the Agreement unless otherwise modified by
this Amendment to Employment Agreement.

         IN WITNESS WHEREOF, the Company and the Bank have caused this Amendment
to the Agreement to be executed by the duly authorized officers, and Mr. Crotty
has hereunto set his hand, all as of the day and year first above written.


                                                 -------------------------------
                                                 RAYMOND J. CROTTY


ATTEST:                                          UNION STATE BANK



----------------------------------              --------------------------------
Secretary of Union State Bank                    By:      Name
                                                              Title

ATTEST:                                         U.S.B. HOLDING CO., INC.



---------------------------------                -------------------------------
Secretary of U.S.B. Holding Co., Inc.            By:      Name
                                                              Title


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