AMBANC HOLDING CO INC
8-K, 2000-07-18
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                    FORM 8-K

                                 CURRENT REPORT

                       Pursuant to Section 13 or 15(d) of
                       the Securities Exchange Act of 1934



                Date of Report (Date of earliest event reported):
                                  July 18, 2000


                            AMBANC HOLDING CO., INC.
                    -----------------------------------------
             (Exact name of Registrant as specified in its Charter)




          Delaware                  0-27036                  14-1783770
         ----------                ---------                -----------
(State or other jurisdiction     (SEC File No.)     (IRS Employer Identification
      of incorporation)                                       Number)


11 Division Street, Amsterdam, New York                      12010-4303
---------------------------------------                    ------------
(Address of principal executive offices)                      (Zip Code)


Registrant's telephone number, including area code:        (518) 842-7200
                                                           --------------


                                 Not Applicable
                    -----------------------------------------
          (Former name or former address, if changed since last Report)




<PAGE>




                      INFORMATION TO BE INCLUDED IN REPORT
                      ------------------------------------



Item 5.  Other Events
---------------------

         A copy of a press  release  issued July 18, 2000 by the  Registrant  is
attached  hereto as Exhibit 99 and is  incorporated  herein by  reference in its
entirety.

Item 7.  Financial Statements, Pro Forma Financial Information and Exhibits
---------------------------------------------------------------------------

Exhibit 99 -- Press Release issued July 18, 2000.
----------




<PAGE>



                                   SIGNATURES


         Pursuant to the  requirements  of the Securities  Exchange Act of 1934,
the  Registrant  has duly  caused  this Report to be signed on its behalf by the
undersigned, hereunto duly authorized.

                                       AMBANC HOLDING CO., INC.


Date:    July 18, 2000                 By: /s/ John M. Lisicki
                                           -------------------------------------
                                           John M. Lisicki
                                           President and Chief Executive Officer







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