U.S. SECURITIES AND EXCHANGE COMMISSION
                Washington, D.C.  20549


                      FORM 10-QSB

(Mark One)

[X]  Quarterly Report under Section 13 or 15(d) of the
     Securities Exchange Act of 1934

     For the quarterly period ended June 30, 2000

[ ]  Transition Report under Section 13 or 15(d) of the
     Exchange Act

     For the transition period from ______ to ______

         Commission File Number:  000-25057

                  NORTHFIELD BANCORP, INC.
---------------------------------------------------------
(Exact Name of Small Business Issuer as Specified in Its
Charter)


     Maryland                                52-2098394
-------------------------------          --------------------
(State or Other Jurisdiction of          (I.R.S. Employer
 Incorporation or Organization)          Identification No.)


8005 Harford Road, Baltimore, Maryland  21234
---------------------------------------------------------
       (Address of Principal Executive Offices)

                    (410) 665-7900
    -----------------------------------------------
    (Issuer's Telephone Number, Including Area Code)


                          N/A
---------------------------------------------------------------
(Former Name, Former Address and Former Fiscal Year, if Changed
Since Last Report)

     Check whether the issuer: (1) filed all reports
required to be filed by Section 13 or 15(d) of the Exchange Act
during the past 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
   ---       ---

     As of June 30, 2000,  the issuer had 475,422  shares of Common Stock issued
and outstanding.


<PAGE>
                       CONTENTS

                                                                            PAGE
                                                                            ----
PART I.  FINANCIAL INFORMATION
         ---------------------

Item 1.  Financial Statements

         Consolidated  Statements  of  Financial  Condition as of
            June 30, 2000 (unaudited) and December 31, 1999....................2

        Consolidated Statements of Operations for the
            Six Months and Three Months Ended June 30, 2000
            and 1999 (unaudited)...............................................3

        Consolidated Statements of Comprehensive Income
            for the Six Months Ended June 30, 2000
            and 1999 (unaudited)...............................................4

        Consolidated  Statements  of Cash Flows for the Six Months
            Ended June 30, 2000 and 1999 (unaudited)...........................5

        Notes to Consolidated Financial Statements (Unaudited).................7

Item 2.  Management's Discussion and Analysis or Plan
           of Operation........................................................9


PART II. OTHER INFORMATION
         -----------------

Item 1.  Legal Proceedings....................................................13

Item 2.  Changes in Securities and Use of Proceeds............................13

Item 3.  Defaults Upon Senior Securities......................................13

Item 4.  Submission of Matters to a Vote of Security
           Holders............................................................13

Item 5.  Other Information....................................................13

Item 6.  Exhibits and Reports on Form 8-K.....................................13


SIGNATURES

                                   1

<PAGE>

                            NORTHFIELD BANCORP, INC.
                            ------------------------
                                 AND SUBSIDIARY
                                 --------------
                               Baltimore, Maryland
                               -------------------

                 CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION
                 ----------------------------------------------
<TABLE>
<CAPTION>
                                                                                     June 30,             December  31,
                                                                                     --------             -------------
                                                                                       2000                   1999
                                                                                       ----                   ----
                                                                                   (Unaudited)
<S>                                                                                 <C>                   <C>
       Assets
       ------
Cash                                                                                $     182,131         $    620,282
Interest bearing deposits in other banks                                                1,206,119            1,038,521
Investments available for sale                                                          4,782,295            4,873,550
Mortgage backed securities available for sale                                           2,303,633            2,551,277
Mortgage backed securities held to maturity                                               505,124              524,188
Loans receivable, net                                                                  44,214,224           42,856,212
Accrued interest receivable - loans                                                       196,298              171,294
                            - investments                                                  72,538               65,508
                            - mortgage backed securities                                   15,579               16,086
Premises and equipment, at cost, less accumulated depreciation                             78,765               97,153
Federal Home Loan Bank of Atlanta stock at cost                                           500,000              445,000
Deferred income taxes                                                                     332,875              286,708
Prepaid and refundable income taxes                                                        55,828                  410
Prepaid expenses and other assets                                                          24,288               33,886
                                                                                      -----------          -----------

Total assets                                                                          $54,469,697          $53,580,075
                                                                                      ===========          ===========
       Liabilities and Stockholders' Equity
       ------------------------------------
Liabilities
-----------
   Deposit accounts                                                                   $36,535,306          $36,602,858
   Borrowings                                                                           9,400,000            8,900,000
   Advance payments by borrowers for expenses                                             925,113              553,961
   Income taxes payable                                                                        --               11,237
   Other liabilities                                                                      567,564              439,377
                                                                                      -----------          -----------
Total liabilities                                                                      47,427,983           46,507,433

Commitments and contingencies

Stockholders' Equity
--------------------
   Serial Preferred stock $.01 par value; authorized 2,000,000
     shares; none issued or outstanding
   Common  stock  $.01  par  value;  authorized  8,000,000  shares;  issued  and
     outstanding 475,422 shares at June 30, 2000
     and at December 31 1999                                                                4,754                4,754
   Additional paid-in capital                                                           4,354,980            4,351,177
   Retained earnings (substantially restricted)                                         3,485,667            3,491,960
                                                                                      -----------          -----------
                                                                                        7,845,401            7,847,891
   Accumulated other comprehensive income                                                (364,108)            (318,280)
   Stock held by Rabbi Trust                                                             (134,650)            (134,650)
   Employee Stock Ownership Plan                                                         (304,929)            (322,319)
                                                                                      -----------          -----------

Total stockholders' equity                                                              7,041,714            7,072,642
                                                                                      -----------          -----------

Total liabilities and stockholders' equity                                            $54,469,697          $53,580,075
                                                                                      ===========          ===========
</TABLE>

The accompanying notes to consolidated financial statements are an integral part
 of these statements.

                                       2
<PAGE>

                            NORTHFIELD BANCORP, INC.
                            ------------------------
                                 AND SUBSIDIARY
                                 --------------
                               Baltimore, Maryland
                               -------------------

                      CONSOLIDATED STATEMENTS OF OPERATIONS
                      -------------------------------------
                                   (UNAUDITED)
<TABLE>
<CAPTION>

                                                                    Six Months Ended               Three Months Ended
                                                                         June 30,                        June 30,
                                                                -------------------------        ------------------------
                                                                   2000           1999              2000            1999
                                                                ----------     ----------        --------       ---------
<S>                                                             <C>            <C>               <C>            <C>
Income
------
   Interest and fees on loans                                   $1,624,917     $1,451,926        $823,648       $726,417
   Interest on investments                                         222,760        139,607         113,500         78,420
   Interest on mortgage backed securities                           88,776         65,094          43,661         32,896
                                                               -----------    -----------       ---------       --------
Total interest income                                            1,936,453      1,656,627         980,809        837,733

Interest Expense
----------------
   Interest on deposits                                            870,616        838,275         442,473        418,972
   Interest on short-term borrowings                               201,743         21,798         110,465         11,509
   Interest on long-term borrowings                                 79,777         31,121          39,889         31,121
                                                               -----------    -----------        --------       --------

Total interest expense                                           1,152,136        891,194         592,827        461,602
                                                               -----------    -----------       ---------       --------
Net interest income                                                784,317        765,433         387,982        376,131
Provision for losses on loans                                           --             --              --             --
                                                               -----------    -----------       ---------       --------
Net interest income after provision
 for losses on loans                                               784,317        765,433         387,982        376,131

Non-Interest Income
-------------------
   Fees on loans                                                     2,598          5,183           1,109          2,783
   Fees on deposits                                                  7,586          7,935           3,980          3,717
   All other income                                                  3,450          3,151           1,470          1,047
                                                               -----------    -----------        --------      ---------
Net non-interest income                                             13,634         16,269           6,559          7,547

Non-Interest Expenses
---------------------
   Compensation and related expenses                               304,816        205,169         122,617        112,991
   Occupancy                                                        60,076         57,078          31,587         30,479
   Deposit insurance                                                 4,109         11,364           2,014          5,809
   Service bureau expense                                           29,432         35,903          12,098         15,877
   Furniture, fixtures and equipment expense                        13,591         11,769           6,346          5,626
   Advertising                                                      16,136         14,798           6,992          7,522
   Merger-related expenses                                          80,654             --          70,654             --
   Professional fees                                                80,099         33,063          40,451         19,446
   Other                                                            92,530         78,218          40,799         41,055
                                                               -----------    -----------       ---------       --------
Total non-interest expenses                                        681,443        447,362         333,558        238,805
                                                               -----------    -----------       ---------       --------
Income before tax provision and cumulative
 effect of accounting change                                       116,508        334,340          60,983        144,873
Provision for income tax                                            78,480        133,602          54,153         61,146
                                                               -----------    -----------       ---------       --------
Income before cumulative effect of accounting change                38,028        200,738           6,830         83,727
Cumulative effect of accounting change, net of tax                      --          8,980              --             --
                                                               -----------    -----------       ---------       --------
Net income                                                     $    38,028    $   209,718       $   6,830       $ 83,727
                                                               ===========    ===========       =========       ========
Basic earnings per share                                       $       .09    $       .49       $     .02       $    .20
                                                               ===========    ===========       =========       ========
Diluted earnings per share                                     $       .09    $       .48       $     .02       $    .19
                                                               ===========    ===========       =========       ========
</TABLE>

The accompanying notes to consolidated financial statements are an integral part
 of these statements.

                                       3
<PAGE>

                            NORTHFIELD BANCORP, INC.
                            ------------------------
                                 AND SUBSIDIARY
                                 --------------
                               Baltimore, Maryland
                               -------------------

                 CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
                 -----------------------------------------------
                                   (UNAUDITED)
<TABLE>
<CAPTION>

                                                                        Six Months Ended
                                                                             June  30,
                                                                     -----------------------
                                                                     2000               1999
                                                                     ----               ----

<S>                                                                 <C>              <C>
Net income                                                          $ 38,028         $ 209,718

Cumulative effect of change in accounting principle,
 net of taxes of $513                                                     --              (815)

Unrealized losses on available for sale securities,
 net of tax of $28,835 at June 30, 2000 and
 $140,344 at June 30, 1999                                           (45,828)         (223,053)
                                                                   ---------         ---------
Comprehensive loss                                                 $  (7,800)        $ (14,150)
                                                                   =========         =========
</TABLE>

<TABLE>
<CAPTION>

                                                                        Six Months Ended
                                                                             June  30,
                                                                     -----------------------
                                                                     2000               1999
                                                                     ----               ----

<S>                                                                <C>                   <C>
Net income                                                         $   6,830         $  83,727

Unrealized losses on available for sale securities,
 net of tax of $36,062 at June 30, 2000 and
 $122,073 at June 30, 1999                                           (58,606)         (316,088)
                                                                   ---------         ---------

Comprehensive loss                                                $  (51,776)        $(232,361)
                                                                  ==========         =========

</TABLE>



The accompanying notes to consolidated financial statements are an integral part
 of these statements.
                                       4
<PAGE>

                            NORTHFIELD BANCORP, INC.
                            ------------------------
                                 AND SUBSIDIARY
                                 --------------
                               Baltimore, Maryland
                               -------------------

                      CONSOLIDATED STATEMENTS OF CASH FLOWS
                      -------------------------------------
                                   (UNAUDITED)
<TABLE>
<CAPTION>

                                                                                           Six Months Ended
                                                                                                June 30,
                                                                                        -----------------------
                                                                                         2000           1999
                                                                                         ----           ----
<S>                                                                                   <C>            <C>
Operating Activities
--------------------
     Net income                                                                       $    38,028    $   209,718
     Adjustments to Reconcile Net Income to
      Net Cash Provided by Operating Activities
     ------------------------------------------
         Net amortization of premiums and accretion
          accretion of discounts on certificates of deposit                                    47             42
         Gain on sale of securities - trading                                                  --        (14,936)
         Proceeds from sale of mortgage backed securities - trading                            --      1,048,335
         Net amortization of premiums and accretion of
          discounts on mortgage backed and investment securities                            4,384         10,395
         Net amortization of premiums on mortgage loans purchased                             315            281
         Loan fees deferred                                                                26,572         28,348
         Amortization of deferred loan fees                                               (17,242)       (36,164)
         Non-cash compensation under stock-based
            benefit plan                                                                   21,193         15,156
         Increase in accrued interest receivable                                          (31,527)       (59,052)
         Provision for depreciation                                                        22,535         22,096
         (Increase) decrease in deferred income taxes                                     (17,332)        12,004
         Increase in prepaid income taxes                                                 (55,418)        (6,996)
         Decrease (increase) in prepaid expenses and other assets                           9,598        (16,175)
         Increase (decrease) in accrued interest payable                                    3,780         (3,983)
         Decrease in income taxes payable                                                 (11,237)       (18,449)
         Increase in other liabilities                                                    128,187         47,890
                                                                                      -----------    -----------
              Net cash provided by operating activities                                   121,883      1,238,510

Cash Flows from Investing Activities
------------------------------------
     Proceeds from maturing certificates of deposit                                        99,000        547,000
     Purchases of certificates of deposit                                                 (96,000)       (95,000)
     Purchase of securities available for sale                                                 --     (3,592,031)
     Purchases of mortgage backed securities
      available for sale                                                                       --     (1,615,153)
     Purchases of mortgage backed securities held
      to maturity                                                                              --       (539,642)
     Principal collected on mortgage backed securities                                    270,586        554,539
     Purchase of loans                                                                         --       (877,919)
     Longer term loans originated                                                      (3,616,257)    (7,372,915)
     Principal collected on longer term loans                                           2,259,827      4,401,096
     Net increase in short-term loans                                                     (11,226)       (17,241)
     Purchases of premises and equipment                                                   (4,147)        (9,053)
     Purchase of Federal Home Loan Bank of Atlanta stock                                  (55,000)       (58,600)
                                                                                      -----------    -----------
         Net cash used by investing activities                                         (1,153,217)    (8,674,919)

</TABLE>

                                       5
<PAGE>

                            NORTHFIELD BANCORP, INC.
                            ------------------------
                                 AND SUBSIDIARY
                                 --------------
                               Baltimore, Maryland
                               -------------------

                      CONSOLIDATED STATEMENTS OF CASH FLOWS
                      -------------------------------------
                                   (UNAUDITED)
<TABLE>
<CAPTION>
                                                                                           Six Months Ended
                                                                                                June 30,
                                                                                        -----------------------
                                                                                         2000           1999
                                                                                         ----           ----
<S>                                                                                   <C>            <C>
Cash Flows from Financing Activities
------------------------------------
     Net decrease in demand deposits, money market,
       passbook accounts and advance payments by
       borrowers for taxes and insurance                                              $  (363,915)    $    (48,898)
     Net increase in certificates of deposit                                              663,735          574,012
     Net increase in Federal Home Loan Bank advances                                      500,000        4,000,000
     Dividend payment                                                                     (44,321)         (47,544)
     Conversion costs paid subsequent to stock issuance                                        --          (66,035)
                                                                                      -----------     ------------
       Net cash provided by financing activities                                          755,499        4,411,535
                                                                                      -----------     ------------

Decrease in cash and cash equivalents                                                    (275,835)      (3,024,874)
Cash and cash equivalents at beginning of period                                        1,279,953        4,062,056
                                                                                      -----------     ------------
Cash and cash equivalents at end of period                                            $ 1,004,118     $  1,037,182
                                                                                      ===========     ============

Reconciliation of cash and cash equivalents:
     Cash                                                                             $   182,131     $    209,920
     Interest bearing accounts in other banks                                           1,206,119        1,310,590
                                                                                      -----------     ------------
                                                                                        1,388,250        1,520,510

         Less - Certificates of deposit with original
                      maturities of  in 90 days or more included
                      in interest bearing accounts in other banks                        (384,132)        (483,328)
                                                                                      -----------     ------------

Cash and cash equivalents                                                             $ 1,004,118     $  1,037,182
                                                                                      ===========     ============

Supplemental disclosures of cash flows information: Cash paid during year for:
         Interest                                                                     $ 1,141,236     $    850,579
         Income taxes                                                                 $   165,110     $    175,000

</TABLE>

The accompanying notes to consolidated financial statements are an integral part
of these statements.


                                       6
<PAGE>

                            NORTHFIELD BANCORP, INC.
                            ------------------------
                                 AND SUBSIDIARY
                                 --------------
                               Baltimore, Maryland
                               --------------------

             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)
             ------------------------------------------------------


Note 1 - Basis of Presentation
         ---------------------

                   The  accompanying  unaudited  financial  statements have been
          prepared in accordance with generally accepted  accounting  principles
          for  interim   financial   information  and  in  accordance  with  the
          instructions to Form 10-QSB.  Accordingly,  they do not include all of
          the disclosures  required by generally accepted accounting  principles
          for complete financial statements.  In the opinion of management,  all
          adjustments  necessary  for a  fair  presentation  of the  results  of
          operations  for the interim  periods  presented  have been made.  Such
          adjustments  were  of  a  normal  recurring  nature.  The  results  of
          operations for the six months ended June 30, 2000 are not  necessarily
          indicative  of the results  that may be  expected  for the fiscal year
          December  31,  2000 or any  other  interim  period.  The  consolidated
          financial   statements   should  be  read  in  conjunction   with  the
          consolidated   financial   statements  and  related  notes  which  are
          incorporated  by  reference  in the  Company's  Annual  Report on Form
          10-KSB for the year ended December 31,1999.

Note 2 - Cash Flow Presentation
         ----------------------

                   For purposes of the  statements of cash flows,  cash and cash
          equivalents include cash and amounts due from depository  institutions
          and  certificates  of deposit with  original  maturities of 90 days or
          less.

Note 3 - Earnings Per Share
         ------------------

                   Basic EPS is computed by dividing  net income by the weighted
          average  number  of  common  shares  outstanding  for the  appropriate
          period.  Unearned ESOP shares are not included in outstanding  shares.
          Diluted EPS is computed by dividing net income by the weighted average
          shares  outstanding  as adjusted for the  dilutive  effect of unvested
          stock  awards  based  on  the  "treasury  stock"  method.  Information
          relating to the  calculations of net income per share of common stock,
          summarized  for the six and three months ended June 30, 2000 and 1999,
          is as follows:
<TABLE>
<CAPTION>
                                                                Six Months Ended                    Six Months Ended
                                                                   June 30, 2000                       June 30, 1999
                                                            ---------------------------         --------------------------
                                                             Basic              Diluted          Basic             Diluted
                                                             -----              -------          -----             -------

           <S>                                              <C>               <C>               <C>               <C>
           Net income                                       $  38,028         $  38,028         $209,718          $209,718

           Weighted Average Shares
              Outstanding basic EPS                           430,358           430,358          426,744           426,744

           Dilutive Items
              Rabbi Trust shares                                   --            13,465               --            13,465
                                                            ---------         ---------         --------          --------
           Adjusted weighted average
              Shares for dilutive EPS                         430,358           443,823          426,744           440,209

           Per share amount                                 $    0.09         $    0.09         $   0.49          $   0.48

</TABLE>


                                       7
<PAGE>

                            NORTHFIELD BANCORP, INC.
                            ------------------------
                                 AND SUBSIDIARY
                                 --------------
                              Baltimore, Maryland
                              -------------------

             NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)
             ------------------------------------------------------

Note 3 - Earnings Per Share - Continued
         ------------------------------
<TABLE>
<CAPTION>
                                                                Six Months Ended                    Six Months Ended
                                                                   June 30, 2000                       June 30, 1999
                                                            ---------------------------         --------------------------
                                                             Basic              Diluted          Basic             Diluted
                                                             -----              -------          -----             -------

           <S>                                              <C>               <C>               <C>               <C>
           Net income                                       $   6,830         $   6,830         $ 83,727          $ 83,727

           Weighted average shares
              Outstanding basic EPS                           430,724           430,724          427,112           427,112

           Dilutive Items
              Rabbi Trust shares                                   --            13,465               --            13,465
                                                            ---------         ---------         --------          --------

           Adjusted weighted average
              shares used dilutive EPS                        430,724           444,189          427,112           440,577

           Per share amount                                 $    0.02         $    0.02         $   0.20          $   0.19

</TABLE>
Note 4 - Cumulative Effect of Accounting Change
         --------------------------------------

                    The  Company  implemented  SFAS  No.  133,  "Accounting  for
           Derivative  Instruments  and Hedging  Activities"  (SFAS  No.133") on
           January 1, 1999. In accordance with the  Pronouncement's  provisions,
           the Company reclassified  approximately $1,071,000 of mortgage backed
           securities from held to maturity to trading. On January 11, 1999, the
           Company sold the entire trading  investment that had a carrying value
           of $1,033,041 and realized a gain of $8,980, net of tax. Accordingly,
           the net  realized  gain of $8,980 is  reflected  on the  consolidated
           statements of operations  as the  cumulative  effect of an accounting
           change, net of taxes.

                    In addition, the Company reclassified $1,053,760 of mortgage
           backed  securities and $799,526 of investments  from held to maturity
           to available for sale. Accordingly, the net unrealized loss of $1,328
           at the date of transfer is reflected on the  consolidated  statements
           of  comprehensive  income  as the  cumulative  effect  of a change in
           accounting principle, net of taxes.


                                       8
<PAGE>

ITEM 2

                     MANAGEMENT'S DISCUSSION AND ANALYSIS OF
                  FINANCIAL CONDITION AND RESULTS OF OPERATIONS


FORWARD-LOOKING STATEMENTS

         When used in this filing and in future  filings by Northfield  Bancorp,
Inc.  (the  "Company")  with the  Securities  and  Exchange  Commission,  in the
Company's  press releases or other public or shareholder  communications,  or in
oral statements made with the approval of an authorized  executive officer,  the
words or phrases "would be," "will allow,"  "intends to," "will likely  result,"
"are expected to," "will continue," "is anticipated,"  "estimate,"  "project" or
similar expressions are intended to identify "forward-looking statements" within
the  meaning of the  Private  Securities  Litigation  Reform  Act of 1995.  Such
statements are subject to risks and uncertainties,  including but not limited to
changes in economic conditions in the Company's market area, changes in policies
by regulatory agencies,  fluctuations in interest rates, demand for loans in the
Company's market area and  competition,  all or some of which could cause actual
results  to differ  materially  from  historical  earnings  and those  presently
anticipated or projected.

         The Company  wishes to caution  readers not to place undue  reliance on
any such forward-looking  statements,  which speak only as of the date made, and
advises readers that various factors,  including  regional and national economic
conditions,  substantial  changes in levels of market interest rates, credit and
other risks of lending and investment  activities and competitive and regulatory
factors,  could affect the Company's  financial  performance and could cause the
Company's  actual  results for future  periods to differ  materially  from those
anticipated or projected.

         The  Company  does  not  undertake,   and  specifically  disclaims  any
obligations,  to update any forward-looking statements to reflect occurrences or
unanticipated events or circumstances after the date of such statements.

PENDING MERGER

         On May 16, 2000,  the Board of Directors of  Northfield  Bancorp,  Inc.
approved an agreement  whereby Patapsco  Bancorp,  Inc. will acquire  Northfield
Bancorp,  Inc. To accomplish the acquisition,  the Company will be merged into a
subsidiary of Patapsco Bancorp. If the merger is completed, Company stockholders
will  receive  $12.50 in cash and 0.24  shares of  Patapsco  Bancorp's  Series A
Noncumulative Convertible Perpetual Preferred Stock for each share of Northfield
Bancorp  common stock,  plus cash in lieu of any  fractional  share of preferred
stock.  At any time after  issuance,  the preferred stock will be convertible at
the  stockholder's  election into shares of Patapsco  Bancorp common stock, on a
one-for-one basis, subject to future adjustment in certain  circumstances.  Each
share of Patapsco Bancorp's  outstanding  preferred stock will earn dividends at
the  annual  rate of 7.5% of its  liquidation  preference  of $25.00  per share,
payable when and if declared by Patapsco Bancorp's Board of Directors.


                                       9
<PAGE>

                     MANAGEMENT'S DISCUSSION AND ANALYSIS OF
            FINANCIAL CONDITION AND RESULTS OF OPERATIONS - Continued


PENDING MERGER - CONTINUED

Dividends  are  noncumulative,  which  means that if the Board of  Directors  of
Patapsco Bancorp,  Inc. does not pay dividends for a quarterly period, it is not
obligated  to pay a dividend  for that period at a later date.  After five years
from the date of issuance of the  Patapsco  Bancorp  preferred  stock,  Patapsco
Bancorp may redeem some or all of the  outstanding  Patapsco  Bancorp  preferred
stock at  $25.00  per share  plus any  declared  but  unpaid  dividends  for the
then-current  quarter.  Generally,  the merger will be a taxable transaction for
Northfield Bancorp stockholders.  The acquisition is expected to be completed in
the fourth  quarter of 2000 and is  subject  to  various  conditions,  including
regulatory  approval and the approval of the stockholders of Northfield Bancorp,
Inc.

FINANCIAL CONDITION

         Total  assets of the  Company  were  $54,470,000  as of June 30,  2000,
compared to  $53,580,000  as of December  31,  1999,  an increase of $890,000 or
1.66%.  The  increase was  attributable  to an increase in loans  receivable  of
$1,358,000, partially offset by a $438,000 decrease in cash.

         Total  liabilities of the Company were $47,428,000 as of June 30, 2000,
compared to  $46,507,000  as of December  31,  1999,  an increase of $921,000 or
1.98%.  The  increase  was due to FHLB  advances of $500,000  and an increase in
advance payments by borrowers for taxes and insurance of $371,000.  Management's
plan is to take  advantage of low rate FHLB  advances and invest the proceeds in
higher yielding loan originations. The increase in advance payments by borrowers
was due to the  cyclical  nature of this  account  as  borrowers  increased  the
accounts monthly and disbursements are made primarily in July through September.

         Stockholders'  equity was  $7,042,000 as of June 30, 2000,  compared to
$7,073,000  as of December  31,1999,  a decrease of $31,000.  The  decrease  was
principally  due to a net unrealized  loss on investments  available for sale of
$46,000 and common stock  dividends of $44,000,  which were partially  offset by
net income for the period of $38,000.

RESULTS OF OPERATIONS

GENERAL

         Net  income  for the six  months  ended  June 30,  2000 was  $38,000 as
compared to $210,000 for the  corresponding  period in 1999.  Net income for the
quarter  ended  June  30,  2000  was  $7,000  as  compared  to  $84,000  for the
corresponding  quarter in 1999.  The decreases in net income in both the six and
three month periods of $172,000 and $77,000,  respectively,  were  primarily the
result of  increases in total  non-interest  expense,  including  merger-related
expenses. Adjusted for merger-related expenses, net income for the six and three
month  periods  ended  June 30,  2000  would  have been  $119,000  and  $77,000,
respectively.  Net  income  for the six  and  three  month  periods  would  have
decreased $91,000 or 43.33% and $7,000 or 8.33%, respectively.



                                       10
<PAGE>

                     MANAGEMENT'S DISCUSSION AND ANALYSIS OF
            FINANCIAL CONDITION AND RESULTS OF OPERATIONS - Continued


INTEREST INCOME

         Total  interest  income  for the six  months  ended  June 30,  2000 was
$1,936,000  compared to  $1,657,000  for the  corresponding  period in the prior
year,  an increase of $279,000 or 16.84%.  The increase was  primarily due to an
increase of $5,697,000 in the average dollar amount of loans  outstanding and an
increase of $2,105,000 in average dollar amount of investments  outstanding  for
the six months ended June 30, 2000 over the prior year's respective period.

         Total interest  income for the quarter ended June 30, 2000 was $981,000
compared to  $838,000  for the same  quarter in the prior  year,  an increase of
$143,000 or 17.06%.  The increase was primarily due to an increase of $5,271,000
in the average  balance of loans  outstanding  and an increase of  $1,355,000 in
average  investment  balances for the quarter ended June 30, 2000 over the prior
year's respective quarter.

         The weighted  average  yield on  interest-earning  assets was 7.28% and
7.19% for the six month periods ended June 30, 2000 and 1999, respectively.  The
weighted  average yield on  interest-earning  assets was 7.32% and 7.07% for the
quarters ended June 30, 2000 and 1999, respectively.

INTEREST EXPENSE

         Total interest  expense for the six months ended June 30, 2000 and 1999
was $1,152,000 and $891,000 respectively, an increase of $261,000 or 29.29%. The
increase  resulted  primarily  from an increase in the average  dollar amount of
borrowings of $6,917,000 and a $909,000 increase in the average dollar amount of
certificates of deposit.

         Total  interest  expense for the three  months  ended June 30, 2000 and
1999 was $593,000 and $462,000 respectively,  an increase of $131,000 or 28.35%.
The increase  resulted  primarily from increases in the average dollar amount of
short-term  borrowings of $6,133,000 and an increase of six basis points paid on
savings deposits.

PROVISION FOR LOAN LOSSES

         There were no  provisions  for loan  losses for the six and three month
periods ended June 30, 2000 and 1999.  Management  monitors and adjusts its loan
loss  reserves  based upon its  analysis  of the loan  portfolio.  Reserves  are
increased by a charge to income, the amount of which depends upon an analysis of
the changing  risks  inherent in the Company's  loan  portfolio and the relative
status of the real estate  market and the  economy in  general.  The Company has
historically experienced a limited amount of loan charge-offs and delinquencies.
At June  30,  2000,  management  believes  the  allowance  for  loan  losses  is
sufficient  since  the loans  are  adequately  secured.  The  assessment  of the
adequacy of the allowance for loan losses involves subjective judgment regarding
future events and there can be no assurance that additional  provisions for loan
losses will not be required in future periods.



                                       11
<PAGE>

                     MANAGEMENT'S DISCUSSION AND ANALYSIS OF
            FINANCIAL CONDITION AND RESULTS OF OPERATIONS - Continued


NON-INTEREST EXPENSE

         Total  non-interest  expense increased $234,000 to $681,000 for the six
months ended June 30, 2000 from $447,000 for June 30, 1999. The increase for the
period was the result of increases in compensation and related expenses,  merger
expenses and  professional  expenses.  The increase in compensation  and related
expenses  of  $100,000  or 48.78%  was the  result of an  increase  in  non-cash
deferred  compensation  expenses and annual  merit  employee  salary  increases.
Professional  fees  increased  $47,000 as a result of increased  legal and other
expenses.

         Total  non-interest  expense  increased  $95,000  to  $334,000  for the
quarter  ended June 30, 2000 from  $239,000 for June 30, 1999.  The increase for
the three month period was the result of  merger-related  expenses and increased
professional fees incurred in fiscal 2000.

         The Company expects the level of its non-interest  expense to remain at
higher levels as a result of merger  expenses and expenses  associated  with the
employee stock  ownership plan that the Company  implemented in connection  with
its stock conversion.

INCOME TAXES

         The Company's income tax expense for the six months ended June 30, 2000
and 1999 was  $78,000 and  $134,000,  respectively,  representing  a decrease of
$56,000 or 41.79%.  The  decrease  was  primarily  the result of the decrease in
pre-tax income,  substantially  offset by an increase in the effective tax rate.
The  effective  tax rate for the six  months  ended  June  30,  2000 was  67.35%
compared to 39.96% for the same period in 1999.  The  increase in the  effective
tax rate was predominantly the result of approximately $81,000 of non-deductible
merger-related expenses incurred to date in the current fiscal year.

         The Company's  income tax expense for the quarters  ended June 30, 2000
and 1999 was  $54,000  and  $61,000,  respectively,  representing  a decrease of
$7,000 or 11.48%.  The  decrease  was  primarily  the result of the  decrease in
pre-tax income,  substantially  offset by an increase in the effective tax rate.
The effective  tax rate for the quarter ended June 30, 2000 was 88.80%  compared
to 42.21% for the same  period in 1999.  The  effective  tax rate  increase  was
predominantly the result of non-deductible  merger-related  expenses incurred in
the quarter ended June 30, 2000.

CUMULATIVE EFFECT OF ACCOUNTING CHANGE

         The Company early implemented SFAS No. 133,  "Accounting for Derivative
Instruments  and Hedging  Activities" on January 1, 1999. In accordance with the
pronouncement's provisions, the Company reclassified approximately $1,071,000 of
mortgage backed securities from held to maturity to trading. On January 11, 1999
the Company sold the entire  trading  investment  for  $1,048,335 and realized a
gain of $8,980, net of $5,956 tax.



                                       12
<PAGE>
PART II.  OTHER INFORMATION

     ITEM 1.   LEGAL PROCEEDINGS

               None.

     ITEM 2.   CHANGES IN SECURITIES AND USE OF PROCEEDS

               None.

     ITEM 3.   DEFAULTS UPON SENIOR SECURITIES

               None.

     ITEM 4.   SUBMISSION OF MATTERS TO A VOTE OF SECURITY-
               HOLDERS

               On May 10,  2000,  the  Registrant  held its  Annual  Meeting  of
               Stockholders.  A  total  of  419,226  shares,  or  88.0%  of  the
               Company's  shares  outstanding, were  represented  at the  Annual
               Meeting either in person or by proxy.

               Two  directors  were  nominated  by  the  Registrant's  Board  of
               Directors to serve new  three-year  terms  expiring in 2003.  The
               nominees  and the  voting  results  for each  nominee  are listed
               below:

               Nominee                 Vote For          Vote Withheld
               -------                 --------          -------------

               G. Ronald Jobson        414,226                5,000
               J. Thomas Hoffman       419,226                    0

               The following  directors,  whose three year terms of service have
               not expired,  continue as directors  of the  Registrant:  Gary R.
               Bozel,  William R. Rush,  E.  Thomas  Lawrence,  Jr. and David G.
               Rittenhouse.

               There were no other matters voted on at the Annual Meeting.

     ITEM 5.   OTHER INFORMATION

               None.

     ITEM 6.   EXHIBITS AND REPORTS ON FORM 8-K

     (a)  Exhibits.  The following exhibit is filed herewith:

          Exhibit 27     Financial Data Schedule for the six
                         months ended June 30, 2000

     (b)  Reports on 8-K.

          On May 19, 2000, the Registrant filed a Current Report on Form 8-K
          under Item 5 to report that it had entered into an Agreement of
          Merger with Patapsco Bancorp, Inc.



                                       13
<PAGE>

                      SIGNATURES



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

                              NORTHFIELD BANCORP, INC.



Date: August 14, 2000        /s/ G. Ronald Jobson
                             --------------------------------------
                             G. Ronald Jobson
                             President and Chief Executive Officer
                             (Principal Executive, Accounting and
                             Financial Officer)




                                       14