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 22, 2009

                           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
                  ------------

     Seneca-Cayuga Bancorp, Inc. (OTC Bulletin Board: SCAY) (the "Company"), the
holding company of Seneca Falls Savings Bank (the "Bank"),  announced today that
the Bank has filed public  notice that it plans to open a new banking  office at
89 Main  Street,  Phelps,  New York.  The Bank has entered  into an agreement to
purchase the property and expects to close on the sale in August. The new office
is expected to open by November 1, 2009.

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. None.






                                   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 22, 2009                  By:  /s/ Menzo D. Case
                                           -----------------
                                           Menzo D. Case
                                           President and Chief Executive Officer