SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                   FORM 10-K/A

                                Amendment No. 1

        [X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
                              EXCHANGE ACT OF 1934

                   For the fiscal year ended December 31, 1999

                                       OR

            TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE

                SECURITIES EXCHANGE ACT OF 1934 [NO FEE REQUIRED]

          For the transition period from __________ to _______________

                          Commission File No.: 1-13503


                           Staten Island Bancorp, Inc.
                -------------------------------------------------
             (Exact name of registrant as specified in its charter)

             Delaware                                       13-3958850
   -----------------------------                      ----------------
   (State or other jurisdiction                          (I.R.S. Employer
 of incorporation or organization)                    Identification Number)


     15 Beach Street Staten Island, New York                    10304
     ----------------------------------------                ------------
                   (Address)                                 (Zip Code)

       Registrant's telephone number, including area code: (718) 556-6518

   Securities registered pursuant to Section 12(g) of the Act: Not Applicable

           Securities registered pursuant to Section 12(b) of the Act

                     Common Stock (par value $.01 per share)
                                (Title of Class)

Indicate by check mark whether the Registrant (1) has filed all reports required
by  Section  13 or 15(d)  of the  Securities  Exchange  Act of 1934  during  the
preceding 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 [_]

Indicate by check mark if disclosure of delinquent  filers  pursuant to Item 405
of Regulation  S-K is not contained  herein,  and will not be contained,  to the
best of Registrant's  knowledge,  in definitive proxy or information  statements
incorporated by reference in Part III of this Form 10-K or any amendment to this
Form 10-K.

Based upon the $17.06 closing price of the Registrant's common stock as of March
24,  2000,  the  aggregate  market  value  of  the  32,123,421   shares  of  the
Registrant's  common stock deemed to be held by non-affiliates of the Registrant
was $548.1 million.  Although directors and executive officers of the Registrant
and certain of its employee benefit plans were assumed to be "affiliates" of the
Registrant for purposes of this  calculation,  the  classification  is not to be
interpreted as an admission of such status.

Number of shares of Common Stock outstanding as of March 24, 2000:  37,341,123

                       DOCUMENTS INCORPORATED BY REFERENCE
         List hereunder the following  documents  incorporated  by reference and
the Part of the Form 10-K into which the document is incorporated.

(1) Portions of the Annual Report to  Stockholders  for the year ended  December
31, 1999 are incorporated into Part II, Items 5 through 8 of this Form 10-K.

(2) Portions of the  definitive  proxy  statement for the 2000 Annual Meeting of
Stockholders  are  incorporated  into Part III,  Items 9 through 13 of this Form
10-K.

<PAGE>

Note:  The Annual  Report on Form 10-K as filed on March 30, 2000  inadvertently
ommitted Exhibit 13.0, the 1999 Annual Report to Stockholders. Although the 1999
Annual  Report  to  Stockholders  was  filed  separately  on March  30,  1999 in
electronic format, this amendment is being filed solely to include Exhibit 13.0,
the 1999 Annual Report to Stockholders.



PART IV.

Item 14. Exhibits, Financial Statement Schedules and Reports on Form 8-K.
-------------------------------------------------------------------------

         (a)  Documents Filed as Part of this Report
              --------------------------------------

                  (1) The following  financial  statements are  incorporated  by
                  reference  from Item 8 hereof (see  Exhibit  13.0):

                  Report of Independent Auditors

                  Consolidated  Statements  of Condition as of December 31, 1999
                  and 1998.

                  Consolidated Statements of Income for the Years Ended December
                  31, 1999, 1998 and 1997.

                  Consolidated Statements of Changes in Shareholders' Equity for
                  the Years Ended December 31, 1999, 1998 and 1997.

                  Consolidated  Statements  of Cash  Flows for the  Years  ended
                  December  31,  1999,  1998 and  1997.

                  Notes to Consolidated Financial Statements.

         (2)      All  schedules for which  provision is made in the  applicable
                  accounting  regulation  of the SEC are omitted  because of the
                  absence of conditions under which they are required or because
                  the  required  information  is  included  in the  consolidated
                  financial statements and related notes thereto.

         (3)      The  following  exhibits  are filed as part of this Form 10-K,
                  and this list includes the Exhibit Index.


Index                                   Exhibit Index
-----                                   -------------

 3.1*             Certificate of Incorporation of Staten Island Bancorp, Inc.
 3.2*             Bylaws of Staten Island Bancorp, Inc.
 4.0*             Specimen Stock Certificate of Staten Island Bancorp, Inc.
10.1*             Form of  Employment  Agreement  among Staten  Island  Bancorp,
                  Inc.,   Staten  Island  Savings  Bank  and  certain  executive
                  officers.
10.2*             Form of Employment  Agreement  between Staten Island  Bancorp,
                  Inc.and each of Harry P. Doherty and James R. Coyle.
10.3*             Form of Employment  Agreement  between  Staten Island  Savings
                  Bank and each of Harry P. Doherty and James R. Coyle.
<PAGE>

10.4**            Amended and Restated 1998 Stock Option Plan
10.5**            Amended and Restated 1998  Recognition  and Retention Plan and
                  Trust Agreement
10.6***           Deferred Compensation Plan
13.0              1999 Annual Report to Stockholders
21.0              Subsidiaries of the Registrant - Reference is made to "Item 2.
                    "Business" for the required information
23.0              Consent of Arthur Andersen, LLP
27.0              Financial Data Schedule

                                       1
<PAGE>

(*)      Incorporated  herein  by  reference  from  the  Company's  Registration
         Statement on Form S-1 (Registration No. 333-32113) filed by the Company
         with the SEC.
(**)     Incorporated  herein by reference from the Company's  definitive  proxy
         statement dated March 29, 2000.
(***)    Incorporated  herein by reference  from the Company's  Annual Report on
         Form 10-K for the year ended December 31, 1998


                                   SIGNATURES

         Pursuant to the  requirements  of Section 13 or 15(d) of the Securities
Exchange Act of 1934, the Registrant has duly caused this report to be signed on
its behalf by the undersigned, thereunto duly authorized.


                            STATEN ISLAND BANCORP, INC.


                            By: /s/ Harry P. Doherty
                                --------------------
                                Harry P. Doherty
                               Chairman and Chief Executive Officer