ADIRONDACK FINANCIAL SERVICES BANCORP INC
15-12G, 1999-07-12
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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                      SECURITIES AND EXCHANGE COMMISSION
                            WASHINGTON, D.C. 20549

                                   FORM 15

        CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER
     SECTION 12 (g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION
          OF DUTY TO FILE REPORTS UNDER SECTIONS 13 AND 15(d) OF THE
                       SECURITIES EXCHANGE ACT OF 1934.

                                              Commission File Number 000-29666
                                                                     ---------

                 Adirondack Financial Services Bancorp, Inc.
      ------------------------------------------------------------------
            (Exact name of registrant as specified in its charter)


       52 North Main Street, Gloversville, New York 12078 518-725-6331
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             (Address, including zip code, and telephone number,
       including area code of registrant's principal executive offices)


                    Common Stock, $.01 par value per share
      ------------------------------------------------------------------
          (Title of each class of securities covered by this Form)


                                     None
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            (Titles of all other classes of securities for which a
          duty to file reports under section 13(a) or 15(d) remains)

     Please place an X in this box(es) to designate the appropriate rule
 provision(s) relied upon to terminate or suspend the duty to file reports:

       Rule   12 g-4(a)(1)(i)     [X]     Rule 12h-3(b)(1)(ii)       [ ]
       Rule   12g -4(a)(1)(ii)    [ ]     Rule 12h-3(b)(2)(ii)       [ ]
       Rules  12g -4(a)(2)(i)     [ ]     Rule 12h-3(b)(2)(ii)       [ ]
       Rule   12g -4(a)(2)(ii)    [ ]     Rule 15d-6                 [ ]
       Rule   12h -3(b)(1)(i)     [X]

       Approximate number of holders of record as of the certification
                              or notice date: 1
                                             ---

         Pursuant to the requirements of the Securities Exchange Act of 1934,
Adirondack Financial Services Bancorp, Inc. has caused this
certification/notice to be signed on its behalf by the undersigned duly
authorized person.

DATED:       June  30 , 1999.     Adirondack Financial Services Bancorp, Inc.
                  ----



                                      /s/  Lewis E. Kolar
                                      -------------------------------------
                                      By:  Lewis E. Kolar, President & CEO


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