UNITED STATES
               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) SEPTEMBER 25, 1996


                      HAVEN BANCORP, INC.
    (Exact name of registrant as specified in its charter)


                          DELAWARE
 (State or other jurisdiction of incorporation or organization)


                          000-21628
                    (Commission File Number)


                          11-3153802
             (I.R.S. Employer Identification No.)


       93-22 JAMAICA AVENUE, WOODHAVEN, NEW YORK  11421
      (Address of principal executive offices)  (Zip Code)

                        (718) 847-7041
      (Registrant's telephone number, including area code)


                        NOT APPLICABLE                 
      (Former name, former address and former fiscal year,
                  if changed since last report)













ITEM 5. OTHER EVENTS

On September 25, 1996, Haven Bancorp, Inc., a Delaware
corporation (the "Registrant" or "Haven"), announced that its
wholly-owned subsidiary, Columbia Federal Savings Bank
("Columbia") had entered into a Master Licensing Agreement
("licensing agreement") dated as of September 24, 1996 with
Pathmark Stores, Inc. ("Pathmark") to open approximately 44 full-
service bank branches in Pathmark supermarkets throughout New
York City, Long Island, Westchester and Rockland counties by
early 1998.  The licensing agreement provides, among other
things, that during the 15-year period commencing as of the date
of the agreement, Columbia and Pathmark expect to enter into
individual license agreements for approximately 44 bank branch
facilities that have been identified as part of the agreement
and, additionally, Columbia has agreed to open a branch facility
in all new Pathmark supermarkets that open for business during
the term of the agreement in New York State in New York, Bronx,
Queens, Kings, Richmond, Nassau, Suffolk, Westchester and
Rockland Counties (excluding a proposed supermarket premises on
125th Street in New York, New York).  If, at any time during the
term of the agreement, Pathmark opens a supermarket in a county
in New York State other than those listed above, Pathmark will
offer Columbia the right to open a branch facility in such
supermarket.  Consummation of the licensing agreements are
subject to the receipt of certain regulatory approvals.

The press release issued by the Registrant with respect to the
announcement of the transaction described herein is attached
hereto as Exhibit 99.1 and is hereby incorporated herein by
reference in its entirety.  Also attached hereto as Exhibit 99.2
and incorporated herein by reference are certain data to be made
available by the Registrant in connection with a presentation to
be given by the Registrant to investment analysts on September
25, 1996.

This current report contains certain forward looking statements
consisting of estimates with respect to the financial condition,
results of operations and business of Haven as a result of the
agreement of Columbia with Pathmark that are subject to various
factors which could cause actual results to differ materially
from these estimates.  In addition to factors that might
adversely affect the operations of Haven or the ability of
Pathmark to fulfill its obligations under the agreement
generally, these factors include, but are not limited to, (1)
delays in opening the supermarkets or the supermarket branches,
(2) construction cost overruns, (3) higher than anticipated
operating expenses, (4) a lower level of or higher cost for
deposits than anticipated, (5) technological or competitive
developments that make supermarket branching significantly less 




attractive, (6) adverse economic conditions, generally or in the
proposed market area develop and (7) an adverse interest rate
environment develops that adversely affects the interest rate
spread or other income anticipated from the proposed supermarket
branches.
 

ITEM 7.  FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION
         AND EXHIBITS

         (a)  Financial Statements of the Business Acquired.
              Not Applicable.

         (b)  Pro Forma Financial Information.
              Not Applicable.

         (c)  Exhibits.
              99.1  Press Release, dated September 25, 1996.
              99.2  Portions of Analyst Presentation.


                        SIGNATURE


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.


                               HAVEN BANCORP INC.
                                 (Registrant)



Date:  September 25, 1996      By:    /s/  Catherine Califano
                                    ---------------------------
                                    Catherine Califano
                                    Senior Vice President and 
                                      Chief Financial Officer












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