<PAGE>
<PAGE>
        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 March 31, 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 May 15, 2000, the issuer had 475,442 shares of Common
Stock issued and outstanding.



<PAGE>
<PAGE>
                       CONTENTS

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

Item 1.  Financial Statements

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

        Consolidated Statements of Operations for the
            Three Months Ended March 31, 2000
            and 1999 (unaudited). . . . . . . . . . . . . . .3

        Consolidated Statements of Comprehensive Income
            for the Three Months Ended March 31, 2000
            and 1999 (unaudited). . . . . . . . . . . . . . .4

        Consolidated Statements of Cash Flows for the
            Three Months Ended March 31, 2000 and 1999
            (unaudited) . . . . . . . . . . . . . . . . . . .5

        Notes to Consolidated Financial Statements. . . . . .7

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


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

Item 1.  Legal Proceedings. . . . . . . . . . . . . . . . . .12

Item 2.  Changes in Securities and Use of Proceeds. . . . . .12

Item 3.  Defaults Upon Senior Securities. . . . . . . . . . .12

Item 4.  Submission of Matters to a Vote of Security
           Holders. . . . . . . . . . . . . . . . . . . . . .12

Item 5.  Other Information. . . . . . . . . . . . . . . . . .12

Item 6.  Exhibits and Reports on Form 8-K . . . . . . . . . .12


SIGNATURES. . . . . . . . . . . . . . . . . . . . . . . . . .13

                         1
<PAGE>
<PAGE>
                NORTHFIELD BANCORP, INC.
                ------------------------
                     AND SUBSIDIARY
                     --------------
                  Baltimore, Maryland
                  -------------------

    CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION
    ----------------------------------------------
<TABLE>
<CAPTION>
                                                        March 31,     December 31,
                                                          2000           1999
                                                       ------------   -----------
                                                      (Unaudited)
<S>                                                   <C>             <C>
       Assets
       ------
Cash                                                  $   184,281     $   620,282
Interest bearing deposits in other banks                  752,207       1,038,521
Investments available for sale                          4,880,874       4,873,550
Mortgage backed securities available for sale           2,432,660       2,551,277
Mortgage backed securities held to maturity               518,255         524,188
Loans receivable, net                                  44,326,571      42,856,212
Accrued interest receivable - loans                       189,540         171,294
                            - investments                  94,447          65,508
                            - mortgage backed
                                securities                 15,630          16,086
Premises and equipment, at cost, less accumulated
 depreciation                                              89,869          97,153
Federal Home Loan Bank of Atlanta stock at cost           475,000         445,000
Deferred income taxes                                     303,229         286,708
Prepaid and refundable income taxes                             -             410
Prepaid expenses and other assets                          38,764          33,886
                                                      -----------     -----------
Total assets                                          $54,301,327     $53,580,075
                                                      ===========     ===========
       Liabilities and Stockholders' Equity
       ------------------------------------
Liabilities
-----------
   Deposit accounts                                   $36,413,396     $36,602,858
   Borrowings                                           9,500,000       8,900,000
   Advance payments by borrowers for expenses             717,521         553,961
   Income taxes payable                                    35,793          11,237
   Other liabilities                                      508,826         439,377
                                                      -----------     -----------
Total liabilities                                      47,175,536      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
     475,442 shares at March 31, 2000
     and December 31, 1999                                  4,754           4,754
   Additional paid-in capital                           4,353,036       4,351,177
   Retained earnings (substantially restricted)         3,523,158       3,491,960
                                                      -----------     -----------
                                                        7,880,948       7,847,891
   Accumulated other comprehensive income                (305,502)       (318,280)
   Stock held by Rabbi Trust                             (134,650)       (134,650)
   Employee Stock Ownership Plan                         (315,005)       (322,319)
                                                      -----------     -----------
Total stockholders' equity                              7,125,791       7,072,642
                                                      -----------     -----------

Total liabilities and stockholders' equity            $54,301,327     $53,580,075
                                                      ===========     ===========

</TABLE>
The accompanying notes to consolidated financial statements
are an integral part of these statements.
                         2
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                      NORTHFIELD BANCORP, INC.
                      ------------------------
                           AND SUBSIDIARY
                           --------------
                         Baltimore, Maryland
                         -------------------

           CONSOLIDATED STATEMENTS OF OPERATIONS (UNAUDITED)
           -------------------------------------------------
<TABLE>
<CAPTION>
                                                        Three Months Ended
                                                             March 31,
                                                     ----------------------
                                                        2000        1999
                                                        ----        ----
<S>                                                   <C>         <C>
Income
------
   Interest and fees on loans                         $801,269    $725,509
   Interest on investments                             109,260      61,187
   Interest on mortgage backed securities               45,115      32,198
                                                      --------    --------
Total interest income                                  955,644     818,894

Interest Expense
----------------
   Interest on deposits                                428,143     419,303
   Interest on short-term borrowings                    91,278      10,289
   Interest on long-term borrowings                     39,888           -
                                                      --------    --------
Total interest expense                                 559,309     429,592
                                                      --------    --------

Net interest income                                    396,335     389,302
Provision for losses on loans                                -           -
                                                      --------    --------
Net interest income after provision for
  losses on loans                                      396,335     389,302


Non-Interest Income
-------------------
   Fees on loans                                         1,489       2,400
   Fees on deposits                                      3,606       4,218
   All other income                                      1,980       2,104
                                                      --------    --------
Net non-interest income                                  7,075       8,722

Non-Interest Expenses
---------------------
   Compensation and related expenses                   182,199      92,178
   Occupancy                                            28,489      26,599
   Deposit insurance                                     2,095       5,555
   Service bureau expense                               17,334      20,026
   Furniture, fixtures and equipment expense             7,245       6,143
   Advertising                                           9,144       7,276
   Professional fees                                    49,648      13,617
   Other                                                51,731      37,163
                                                      --------    --------
Total non-interest expenses                            347,885     208,557
                                                      --------    --------

Income before tax provision and cumulative effect
 of accounting change                                   55,525     189,467
Provision for income tax                                24,327      72,456
                                                      --------    --------

Income before cumulative effect of accounting
  change                                                31,198     117,011
Cumulative effect of accounting change, net of tax           -       8,980
                                                      --------    --------
Net income                                            $ 31,198    $125,991
                                                      ========    ========
Basic earnings per share                              $    .07    $    .30
                                                      ========    ========
Diluted earnings per share                            $    .07    $    .29
                                                      ========    ========
</TABLE>
The accompanying notes to consolidated financial statements
 are an integral part of these statements.
                         3
<PAGE>
<PAGE>
                      NORTHFIELD BANCORP, INC.
                      -----------------------
                           AND SUBSIDIARY
                           --------------
                         Baltimore, Maryland
                         -------------------

     CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED)
     -----------------------------------------------------------
<TABLE>
<CAPTION>
                                                        Three Months Ended
                                                             March 31,
                                                     ----------------------
                                                        2000        1999
                                                        ----        ----
<S>                                                   <C>         <C>
Net income                                            $ 31,198    $125,991

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

Unrealized gain (losses) on available for sale
 securities, net of tax of $7,227 March 31, 2000
 and $18,271 March 31, 1999                             12,778     (29,038)
                                                      --------    --------
Comprehensive income                                  $ 43,976    $ 96,138
                                                      ========    ========
</TABLE>


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

                         4
<PAGE>
<PAGE>
                      NORTHFIELD BANCORP, INC.
                      -----------------------
                           AND SUBSIDIARY
                           --------------
                         Baltimore, Maryland
                         -------------------

          CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED)
          -------------------------------------------------
<TABLE>
<CAPTION>
                                                            Three Months Ended
                                                                March 31,
                                                      ---------------------------
                                                          2000           1999
                                                          ----            ----
<S>                                                   <C>           <C>
Operating Activities
--------------------
  Net income                                          $     31,198  $     125,991
  Adjustments to Reconcile Net Income to
   Net Cash Provided by Operating Activities
   -----------------------------------------
    Net amortization of premiums and accretion of
     discounts on certificates of deposit                       23             24
    Gain on sale of mortgage backed 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                                              2,741          2,708
    Amortization of premiums on mortgage loans
     purchased                                                 158            123
    Loan fees deferred                                       5,232         13,039
    Amortization of deferred loan fees                      (5,507)       (28,238)
    Non-cash compensation under Stock-Based
     Benefit Plans                                           9,174          7,456
    Increase in accrued interest                           (46,729)       (29,946)
    Provision for depreciation                              11,431         10,899
    (Increase) decrease in deferred income taxes           (23,748)        11,835
    Decrease in prepaid and refundable income taxes            410              -
    Increase in prepaid expenses and other assets           (4,878)       (13,643)
    Increase in accrued interest payable                     1,664          3,499
    Increase in income taxes payable                        24,556         38,577
    Increase in other liabilities                           69,449          4,494
                                                       -----------    -----------
       Net cash provided by operating activities            75,174      1,180,217

Cash Flows from Investing Activities
------------------------------------
  Proceeds from maturing certificates of deposit            99,000        349,000
  Purchases of certificates of deposit                     (96,000)       (95,000)
  Purchase of securities available for sale                      -     (1,697,594)
  Purchase of mortgage backed securities available
    for sale                                                     -     (1,521,844)
  Purchases of mortgage backed securities held to
    maturity                                                     -       (539,642)
  Principal collected on mortgage backed securities        126,629        257,678
  Longer term loans originated                          (2,394,840)    (4,441,303)
  Loans purchased                                                -       (877,919)
  Principal collected on longer term loans                 939,930      2,657,789
  Net (increase) decrease in short-term loans              (15,801)        20,433
  Purchases of premises and equipment                       (4,147)        (1,794)
  Purchase of Federal Home Loan Bank stock                 (30,000)       (58,600)
                                                       -----------    -----------
       Net cash used by investing activities            (1,375,229)    (5,948,796)

</TABLE>
                         5
<PAGE>
<PAGE>
                      NORTHFIELD BANCORP, INC.
                      -----------------------
                           AND SUBSIDIARY
                           --------------
                         Baltimore, Maryland
                         -------------------

          CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED)
          -------------------------------------------------
<TABLE>
<CAPTION>
                                                            Three Months Ended
                                                                March 31,
                                                      ---------------------------
                                                          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                   $  (221,221)  $   (696,124)
  Net increase (decrease) in certificates of deposit       193,655       (351,149)
  Net increase in Federal Home Loan Bank advances          600,000      2,500,000
                                                       -----------   ------------
       Net cash provided by financing activities           572,434      1,452,727
                                                       -----------   ------------

Decrease in cash and cash equivalents                     (727,621)    (3,315,852)
Cash and cash equivalents at beginning of period         1,279,953      4,062,056
                                                       -----------   ------------
Cash and cash equivalents at end of period             $   552,332   $    746,204
                                                       ===========   ============

Reconciliation of cash and cash equivalents:
  Cash                                                 $   184,281   $    216,151
  Interest bearing accounts in other banks                 752,207      1,214,296
                                                       -----------   ------------
                                                           936,488      1,430,447

    Less - Certificates of deposit maturing in
             90 days or more included in interest
             bearing accounts in other banks              (384,156)      (684,243)
                                                       -----------   ------------
Cash and cash equivalents                              $   552,332   $    746,204
                                                       ===========   ============

Supplemental disclosures of cash flows information:
  Cash paid during period for:
    Interest                                           $    552,578  $     417,045
  Income taxes                                         $     23,110  $      28,000

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

                         6
<PAGE>
<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
         three months ended March 31, 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 quarters ended March 31, 2000 and
         1999, is as follows:
<TABLE>
<CAPTION>
                                                         2000       1999
  <S>                                                 <C>         <C>
  Net income before other comprehensive income        $ 31,198    $125,991
                                                      ========    ========

  Weighted Average Shares
     Outstanding basic EPS                             429,992     426,380
  Dilutive Items
     Rabbi Trust shares                                 13,465      13,465
                                                      --------    --------
  Adjusted weighted average shares
   used for dilutive EPS                               443,457     439,845
                                                      ========    ========
</TABLE>

                         7
<PAGE>
<PAGE>
NORTHFIELD BANCORP, INC.
-----------------------
AND SUBSIDIARY
--------------
Baltimore, Maryland
-------------------

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

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 $799,256 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>
<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.

FINANCIAL CONDITION

  Total assets of the Company were $54,301,000 as of March 31,
2000, compared to $53,580,000 as of December 31, 1999, an
increase of $721,000 or 1.35%.  The increase was primarily
attributable to an increase in loans receivable of $1,471,000,
partially offset by a decrease in cash of $436,000 and a
decrease in interest bearing deposits in other banks of
$287,000.

  Total liabilities of the Company were $47,176,000 as of March
31, 2000, compared to $46,507,000 as of December 31, 1999, an
increase of $669,000 or 1.44%.  The increase was primarily due
to additional FHLB advances of $600,000 following Management's
plan to take advantage of low rate FHLB advances and invest the
proceeds in higher yielding loans.

  Stockholders' equity was $7,126,000 as of March 31, 2000,
compared to $7,073,000 as of December 31 1999, an increase of
$53,000.  The increase was principally due to net income for the
period of $31,000 and a net unrealized gain on investments
available for sale of $13,000.

                         9
<PAGE>
<PAGE>
           MANAGEMENT'S DISCUSSION AND ANALYSIS OF
        FINANCIAL CONDITION AND RESULTS OF OPERATIONS

RESULTS OF OPERATIONS

GENERAL

  Net income for the three months ended March 31, 2000 was
$31,000 as compared to $126,000 for the same period in 1999.
The decrease in net income of $95,000 was primarily the result
of increases in non-interest expenses, predominantly non-cash
deferred compensation expense, and a cumulative effect
of accounting change of $9,000 recognized in the first quarter
of fiscal 1999.

INTEREST INCOME

  Total interest income for the three months ended March 31,
2000 was $956,000  compared to $819,000 for the same period in
1999, an increase of $137,000 or 16.73%. The increase was
principally due to an increase of $6,126,000 in the average
balance of loans outstanding, an increase of $3,339,000 in the
average balance of investments and an increase in rates earned
on investments for the quarter ended March 31, 2000 over the
prior year's respective quarter.  The above increases were
slightly offset by a decline in rates on loans.

  The weighted average yield on interest-earning assets was
7.24% and 7.29% for the three month period ended March 31, 2000
and 1999, respectively.

INTEREST EXPENSE

  Total interest expense for the three months ended March 31,
2000 and 1999 was $559,000 and $430,000 respectively, an
increase of $129,000 or 30.00%. The increase resulted primarily
from increases in the average dollar amount of short and
long-term borrowings of $4,700,000 and $3,000,000, respectively.
The average rate paid on short-term borrowings increased to
5.88% in the current year's quarter from 5.76% in the prior
year's quarter.

PROVISION FOR LOAN LOSSES

  There were no provisions for loan losses for the three month
periods ended March 31, 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 March 31, 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.


                         10
<PAGE>
<PAGE>
         MANAGEMENT'S DISCUSSION AND ANALYSIS OF
  FINANCIAL CONDITION AND RESULTS OF OPERATIONS - Continued

OTHER NON-INTEREST INCOME

  Other income decreased slightly, $2,000 to $7,000 for the
three months ended March 31, from $9,000 for the same period
last year.

NON-INTEREST EXPENSE

  Total non-interest expense increased $139,000 to $348,000 for
the three months ended March 31, 2000 from $209,000 for March
31, 1999. Higher compensation expenses following an increase in
stock-based deferred compensation expenses, personnel additions,
and a decrease in payroll related deferred loan origination
costs contributed $90,000 to the increase. In addition,
professional fees expenses rose $36,000 as a result of increased
audit and bookkeeping expenses, legal expenses and consultant
fees. The Company expects the level of its non-interest expense
to continue at this higher level in future periods as a result
of 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 three months ended
March 31, 2000 and 1999 was $24,000 and $72,000, respectively,
representing a decrease of $48,000 or 66.67%. The decrease was
primarily the result of the decrease in pretax income.  As a
result of non-deductible expenses incurred during the current
quarter, the effective tax rate increased to 43.81% from 38.24%
for the same period in 1999.


                         11
<PAGE>
<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

               None.

     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

     (b)  Reports on 8-K. None.

                           12
<PAGE>
<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: May 15, 2000           /s/ G. Ronald Jobson
                             ---------------------------
                             G. Ronald Jobson
                             President and Chief Executive
                             Officer
                             (Principal Executive, Accounting
                              and Financial Officer)


                            13