RCSB FINANCIAL INC
15-12G, 1996-08-09
SAVINGS INSTITUTIONS, NOT 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  0-17709
                                      
                            RCSB FINANCIAL, INC.
            (Exact name of registrant as specified in its charter)

      235 EAST MAIN STREET, ROCHESTER, NEW YORK 14604, (716) 423-7270
   (Address, including zip code, and telephone number, including area code,
                 of registrant's principal executive offices)

 7% NONCUMULATIVE CONVERTIBLE PERPETUAL PREFERRED STOCK, SERIES B, PAR VALUE
                                    $1.00
           (Title of each class of securities covered by this Form)

                       COMMON STOCK, PAR VALUE $1.00
  (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  the  box(es)  to designate the appropriate rule
provision(s)  relied  upon  to  terminate or suspend the duty to file reports:

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

                Approximate number of holders of record as of
                   the certification or notice date:  0
                                                     ---

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


Date: August 8, 1996                      By:   /s/ Paul R. Wuest
      --------------                            -----------------
                                                Paul R. Wuest
                                                Senior Vice President and
                                                Chief Financial Officer






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