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): July 10, 2006 ------------- SENECA-CAYUGA BANCORP, INC. --------------------------- (Exact Name of Registrant as Specified in its Charter) Federal 000-52111 16-160243 - ------------------------------ --------------------- ------------- (State or Other Jurisdiction) (Commission File No.) (I.R.S. Employer of Incorporation) Identification No.) 19 Cayuga Street, Seneca Falls, New York 13148 - ---------------------------------------- ----- (Address of Principal Executive Offices) (Zip Code) Registrant's telephone number, including area code: (315) 568-5855 -------------- Not Applicable -------------- (Former name or former address, if changed since last report) Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below): [ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) [ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) [ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) [ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Item 8.01. Other Events. On July 10, 2006, Seneca-Cayuga Bancorp, Inc. (the "Company") issued a press release disclosing that it has completed its stock offering. The transaction closed on July 10, 2006 and shares of the Company's common stock are expected to begin trading on the OTC Bulletin Board on the morning of July 11, 2006 under the symbol "SCAY." A copy of the press release is filed as Exhibit 99.1 to this report. Item 9.01. Financial Statements and Exhibits. (a) Financial Statements of Businesses Acquired: None (b) Pro Forma Financial Information: None (c) Shell Company Transactions. None (d) Exhibits: Exhibit 99.1: Press Release 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, hereunto duly authorized. SENECA-CAYUGA BANCORP, INC. DATE: July 11, 2006 By: /s/ Robert E. Kernan.Jr. ------------------------- Robert E. Kernan, Jr. President and Chief Executive Officer EXHIBIT 99.1