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


                                  FORM 10-QSB/A
                               (Amendment No. 1)

(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


Signatures



<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>

                                                                                   Three 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
                                                                         ----           ----
Operating Activities
--------------------
<S>                                                                   <C>            <C>
     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
                                                                                     ----            ----
Cash Flows from Financing Activities
------------------------------------
<S>                                                                              <C>            <C>
     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>

                                         Three Months Ended                 Three 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>
                      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: October 6, 2000        /s/ G. Ronald Jobson
                             --------------------------------------
                             G. Ronald Jobson
                             President and Chief Executive Officer
                             (Principal Executive, Accounting and
                             Financial Officer)