ADVANCE FINANCIAL BANCORP
8-A12G, 1996-12-17
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                                 --------------

                                    FORM 8-A

                For Registration of Certain Classes of Securities
                    Pursuant to Section 12(b) or 12(g) of the
                         Securities Exchange Act of 1934

                            Advance Financial Bancorp
- --------------------------------------------------------------------------------
             (Exact name of registrant as specified in its charter)

               Delaware                                55-0753533
- ----------------------------------------           ------------------
(State of incorporation or organization)              (IRS Employer
                                                   Identification No.)

1015 Commerce Street
Wellsburg, West Virginia                                  26070
- ----------------------------------------           ------------------
(Address of principal executive offices)               (Zip Code)
<TABLE>
<CAPTION>

<S>                                                    <C>    
If this Form relates to the registration of a          If this Form relates to the registration of a
class of debt securities and is effective upon         class of debt securities and is to become
filing pursuant to General Instruction A(c)(1)         effective simultaneously with the effectiveness
please check the following box. |_|                    of a concurrent registration statement under
                                                       the Securities Act of 1933 pursuant to General
                                                       Instruction A(c)(2) please check the following
                                                       box.  |_|
</TABLE>

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

                                      NONE

        Securities to be registered pursuant to Section 12(g) of the Act:

                     Common Stock, par value $0.10 per share
- --------------------------------------------------------------------------------
                                (Title of class)


<PAGE>



Item 1. Description of Registrant's Securities to be Registered

     The  information  set forth under the  captions  "Certain  Restrictions  on
Acquisition  of  the  Company"  and   "Description  of  Capital  Stock"  in  the
registrant's  Prospectus  included  in Part I of the  registrant's  Registration
Statement  on Form  S-1  originally  filed  with  the  Securities  and  Exchange
Commission  on  September  27,  1996 and  amended on October  31, 1996 (File No.
333-13021),  is hereby  incorporated  by  reference  in response to this Item 1.
Information set forth under the captions "Certain Restrictions on Acquisition of
the  Company"  and  "Description  of Capital  Stock"  contained  in a prospectus
relating to SEC File No.  333-13021  and  subsequently  filed by the  registrant
pursuant  to 17  C.F.R.  ss.230.424(b)  shall be deemed  to be  incorporated  by
reference into this registration statement.

Item 2. Exhibits

Exhibit                 Description
- -------                 -----------

   1                          Copies of the last Annual Report filed pursuant to
                              Section 13 or 15(d) of the Securities Exchange Act
                              of 1934 (the "Act") or if unavailable,  the latest
                              registration  statement  filed pursuant to Section
                              12(b)  or (g)  of  the  Act,  or  pursuant  to the
                              Securities Act of 1933. (Incorporated by reference
                              to the  Registration  Statement  on Form S-1 filed
                              pursuant  to  the   Securities   Act  of  1933  on
                              September 27, 1996 and  amended  on  October  31, 
                              1996, file number 333-13021).

   2*                         Copies of all current,  quarterly,  or semi-annual
                              reports  filed  pursuant to Section 13 or 15(d) of
                              the Act since the end of the  fiscal  year,  or if
                              none,  since  the  effective  date  of the  latest
                              registration statement so filed.

   3*                         Copies of the latest definitive proxy statement or
                              information statement filed pursuant to Section 14
                              of the Act.

   4                          Copies  of  the  charter  and  bylaws,   or  other
                              instruments  corresponding  thereto, and any other
                              documents   defining  the  rights  of  holders  of
                              securities. (Incorporated by reference to Exhibits
                              3(i)  (Certificate  of  Incorporation)  and  3(ii)
                              (Bylaws)  of  the  Exhibits  to  the  Registration
                              Statement  on  Form  S-1  filed  pursuant  to  the
                              Securities Act of 1933 on  September 27, 1996  and
                              amended  on  October  31,  1996,  file  number 
                              333-13021).

- ------------------------
*  Not applicable or does not apply to registrant.


<PAGE>



Exhibit                 Description
- -------                 -----------

   5                         Specimens  or  copies  of  each   security  to   be
                             registered  (Incorporated by reference to Exhibit 4
                             of  the  Registration  Statement  on Form S-1 filed
                             pursuant  to  the   Securities   Act  of  1933   on
                             September 27, 1996 and amended on October 31, 1996,
                             file number 333-13021).

   6*                        Copies  of  the last  Annual  Report  submitted  to
                             stockholders by the registrant or its predecessors.

- ------------------------
*  Not applicable or does not apply to registrant.


<PAGE>


                                  SIGNATURES

      Pursuant to the requirements of Section 12 of the Securities  Exchange Act
of 1934, the registrant has duly caused this registration statement to be signed
on its behalf by the undersigned, thereto duly authorized.

                                       ADVANCE FINANCIAL BANCORP

Date: December 17, 1996                By /s/ Stephen M. Gagliardi
      -----------------                   --------------------------------------
                                          Stephen M. Gagliardi, President
                                          (Duly authorized representative)



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