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)
October 7, 1998
ADIRONDACK FINANCIAL SERVICES BANCORP, INC.
(Exact name of Registrant as specified in its Charter)
Delaware 0-29666 14-1801465
(State or other (Commission File Number) (IRS Employer
jurisdiction of Identification
incorporation) Number)
52 North Main Street, Gloversville, New York 12078-3084
(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code: (518) 725-6331
N/A
(Former name or former address, if changed since last report)
Item 7. Financial Statements, Pro Forma Financial Information and Exhibits
(c) Exhibits
Exhibit 3(ii) Amended and Restated By-laws
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SIGNATURES
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 thereunto duly authorized.
ADIRONDACK FINANCIAL SERVICES
BANCORP, INC.
Date: November 19, 1998 By: /s/ Lewis E. Kolar
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Lewis E. Kolar
President and Chief Executive Officer
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