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 8, 1999




                          Steelton Bancorp, Inc.
                          ----------------------
             (Exact name of Registrant as specified in its Charter)




       Pennsylvania                      000-26499            25-1830745
- ----------------------------           --------------     ----------------------
(State or other jurisdiction           (SEC File No.)        (IRS Employer
of incorporation)                                         Identification Number)




51 South Front Street, Steelton, Pennsylvania                   17113
- ---------------------------------------------                   -----
(Address of principal executive offices)                      (Zip Code)




Registrant's telephone number, including area code:  (717) 939-1966
                                                     --------------



                                 Not Applicable
         --------------------------------------------------------------
          (Former name or former address, if changed since last Report)









                      INFORMATION TO BE INCLUDED IN REPORT
                      ------------------------------------



Item 5.  Other Events
         ------------

         Reference  is made to the press  release  dated July 9, 1999,  which is
attached hereto as Exhibit 99 and incorporated herein by this reference.

Item 7.  Financial Statements, Pro Forma Financial Information
         and Exhibits
         -----------------------------------------------------


Exhibit 99 -- Press Release dated July 9, 1999.
- ----------



                                       2




                                   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.


                                           Steelton Bancorp, Inc.


Date: July 14, 1999                       By:  /s/Harold E. Stremmel
                                               ---------------------------------
                                               Harold E. Stremmel
                                               President