SEC FILE NUMBER 000-49696
                                                       CUSIP NUMBER 74975 M 10 7


                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                   FORM 12b-25

                           NOTIFICATION OF LATE FILING


        
(Check one): [_]Form 10-K   [_] Form 20-F   [_] Form 11-K   [X] Form 10-Q   [_] Form N-SAR   [_] Form N-CSR


For Period Ended:           December 31, 2004
                    ------------------------------

[_] Transition Report on Form 10-K
[_] Transition Report on Form 20-F
[_] Transition Report on Form 11-K
[_] Transition Report on Form 10-Q
[_] Transition Report on Form N-SAR
         For the Transition Period Ended:____________________________


If the notification  relates to a portion of the filing checked above,  identify
the Item(s) to which the notification relates:

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PART I -- REGISTRANT INFORMATION

       RSV Bancorp, Inc.
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Full Name of Registrant

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Former Name if Applicable

2000 Mt. Troy Road
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Address of Principal Executive Office (Street and Number)

Pittsburgh, PA 15212
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City, State and Zip Code

PART II -- RULES 12b-25(b) AND (c)

If the subject report could not be filed without  unreasonable effort or expense
and the registrant seeks relief pursuant to Rule 12b-25(b), the following should
be completed. (Check box if appropriate)

          (a)  The reason  described  in  reasonable  detail in Part III of this
               form  could  not be  eliminated  without  unreasonable  effort or
               expense

[X]      (b)  The subject annual report,  semi-annual report, transition report
               on Form 10-K,  Form 20-F, Form 11-K, Form N-SAR or Form N-CSR, or
               portion  thereof,  will  be  filed  on or  before  the  fifteenth
               calendar day  following the  prescribed  due date; or the subject
               quarterly  report or  transition  report on Form 10-Q, or portion
               thereof,  will be filed  on or  before  the  fifth  calendar  day
               following the prescribed due date; and

          (c)  The  accountant's  statement  or other  exhibit  required by Rule
               12b-25(c) has been attached if applicable.

PART III -- NARRATIVE

State below in reasonable detail why Forms 10-K, 20-F, 11-K, 10-Q, N-SAR, N-CSR,
or the  transition  report or  portion  thereof,  could not be filed  within the
prescribed time period.

The  registrant  requires  additional  time to complete the  accounting  for the
expenses of the  Modified  Dutch  Auction  completed  during the  quarter  ended
December 31, 2004.





PART IV -- OTHER INFORMATION
(1)  Name  and  telephone  number  of  person  to  contact  in  regard  to  this
notification

Robert B. Kastan                        412              322-6107
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(Name)                              (Area Code) (Telephone Number)
Treasurer/Controller

(2) Have all other  periodic  reports  required under Section 13 or 15(d) of the
Securities  Exchange Act of 1934 or Section 30 of the Investment  Company Act of
1940  during  the  preceding  12  months  or for such  shorter  period  that the
registrant  was  required to file such  report(s)  been filed ? If answer is no,
identify report(s).                                             Yes  X   No
                                                                    ---     ---

(3) Is it anticipated that any significant  change in results of operations from
the  corresponding  period for the last  fiscal  year will be  reflected  by the
earnings statements to be included in the subject report or portion thereof ?
                                                                Yes      No  X
                                                                    ---     ---

If so, attach an explanation of the  anticipated  change,  both  narratively and
quantitatively, and, if appropriate, state the reasons why a reasonable estimate
of the results cannot be made.

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                                RSV Bancorp, Inc.
                  --------------------------------------------
                  (Name of Registrant as Specified in Charter)

has  caused  this  notification  to be signed on its  behalf by the  undersigned
hereunto duly authorized.


Date       February 14, 2005                By   /s/Robert B. Kastan
                                                 -------------------------------
                                                 Robert B. Kastan
                                                 Treasurer/Controller