GOULD INVESTORS L P
SC 13D/A, 2000-12-13
OPERATORS OF NONRESIDENTIAL BUILDINGS
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                       Securities and Exchange Commission
                             Washington, D.C. 20549
                                 Amendment No. 7
                                       to
                                  SCHEDULE 13D
                    Under the Securities Exchange Act of l934


Yonkers Financial Corporation
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                        (Name of Issuer)
Common Stock, $.01 par value
----------------------------------------------------------------
                 (Title of Class of Securities)
986073104
---------------------------------------------------------------
Simeon Brinberg           (CUSIP Number)
60 Cutter Mill Road, Great Neck, New York  11021 516-466-3100
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          (Name, Address and Telephone Number of Person
        Authorized to Receive Notices and Communications)


---------------------------------------------------------------
     (Date of Event which Requires Filing of this Statement)

     If the filing  person has  previously  filed a statement on Schedule l3G to
report the acquisition  which is the subject of this Schedule l3D, and is filing
this  schedule  because  of Rule  l3d-l(e),  13d-1  (f) or  13d-1(g),  check the
following box / /.


                           Page 1 of 4 Pages


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                                                    Page 2 of 4 Pages
Cusip No. 986073104

-----------------------------------------------------------------
l.   NAME OF REPORTING PERSON
     S.S. or I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
     Gould Investors L.P. - 11-2763164
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2.   CHECK
THE APPROPRIATE BOX IF A MEMBER OF A GROUP*        (a)X
                                                   (b)
-----------------------------------------------------------------
3.   SEC USE ONLY

-----------------------------------------------------------------
4.   SOURCE OF FUNDS*

     WC
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5.   CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED
PURSUANT TO ITEMS 2(d) or 2(e)

-----------------------------------------------------------------
6.   CITIZENSHIP OR PLACE OF ORGANIZATION

     Delaware
-----------------------------------------------------------------
                    7.   SOLE VOTING POWER - 362,300
 NUMBER OF          ---------------------------------------------
 SHARES             8.   SHARED VOTING POWER -
 BENEFICIALLY       ---------------------------------------------
 OWNED BY           9.   SOLE DISPOSITIVE POWER - 362,300
 EACH               ---------------------------------------------
 REPORTING          10.  SHARED DISPOSITIVE POWER -
 PERSON WITH        ---------------------------------------------
-----------------------------------------------------------------
11.  AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING
PERSON -   362,300
-----------------------------------------------------------------
12.  CHECK
BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN
SHARES*
-----------------------------------------------------------------
13.  PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
16.26%
-----------------------------------------------------------------
14.  TYPE OF
REPORTING PERSON*
     PN

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                                                   Page 3 of 4 Pages

This amendment further amends and supplements  Schedule 13D dated June 11, 1998,
as amended to date. Except as amended by this amendment there has been no change
in the information previously reported on Schedule 13D, as previously amended.

Item 5.   Interest in Securities of the Issuer.

(a) The Partnership owns, as of this date, 362,300 shares of Common Stock of the
Company,  constituting  approximately  16.26%  of the  shares  of  Common  Stock
outstanding (based on 2,228,739 shares outstanding).

(b) The Partnership  has sole voting and  dispositive  power with respect to the
shares of Common Stock it owns.  Fredric H. Gould,  as a general  partner of the
Partnership  and as  Chairman  and sole  shareholder  of the  corporate  general
partner  of  the  Partnership  is  in a  position  to  direct  the  vote  and/or
disposition of the shares of Common Stock owned by the Partnership.

(c) The  following  table sets  forth  transactions  in the Common  Stock of the
Company by the Partnership since Amendment No. 6 to Schedule 13D (which reported
the last  transactions  by the  Partnership  in shares of the  Issuer  until the
transactions reported herein).

         DATE OF                    NUMBER OF                 PRICE PER
         PURCHASE                    SHARES                     SHARE
         --------                   ---------                 ---------
         7/27/00                     35,000                     15.563
         11/09/00                    30,000                     15.500

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                                                      Page 4 of 4 Pages

                            Signature

After  reasonable  inquiry and to the best of my knowledge and belief, I certify
that the information set forth in this statement is true, complete and correct.

Dated: December 13, 2000


GOULD INVESTORS L.P.
BY GEORGETOWN PARTNERS, INC.
MANAGING GENERAL PARTNER


By s/Simeon Brinberg __
Simeon Brinberg
Senior Vice President




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