SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549



                                    FORM 8-A



                FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES
                     PURSUANT TO SECTION 12(b) OR (g) OF THE
                         SECURITIES EXCHANGE ACT OF 1934



                   ADIRONDACK FINANCIAL SERVICES BANCORP, INC.
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             (Exact name of registrant as specified in its charter)



              Delaware                                    14-1801465
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(State of incorporation or organization)    (I.R.S. Employer Identification No.)


52 North Main Street, Gloversville,                         12078
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(Address of principal executive offices)                  (Zip Code)


Securities to be registered pursuant to Section 12(b) of the Act.


                                      None
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                                (Title of Class)


Securities to be registered pursuant to Section 12(g) of the Act:


                      Common Stock par value $.01 per share
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                                (Title of Class)







Item 1.  Description of Registrant's Securities to be Registered.

         For a description of the Registrant's securities,  reference is made to
"Description of Capital Stock", "Dividends" and "Market for Common Stock" in the
Registrant's  Pre-Effective  Amendment No. One to the Registration  Statement on
Form  S-1  (Registration  Number  333-43697  which  is  hereby  incorporated  by
reference.  For a description of the provisions of the Registrant's  Certificate
of  Incorporation  and  By-laws  that  may  render a change  in  control  of the
Registrant more difficult, reference is made to "Restrictions on Acquisitions of
Stock  and  Related   Takeover   Defensive   Provisions"  in  the   Registrant's
Pre-Effective  Amendment  No.  One to the  Registration  Statement  on Form  S-1
referenced above.


Item 2.  Exhibits.

         1.       Pre-Effective  Amendment No. One to Registration  Statement on
                  Form S-1  (Registration  Number  333-43697)  dated February 9,
                  1998 is hereby incorporated by reference.

         2.       Certificate  of   Incorporation,   filed  as  Exhibit  3.1  to
                  Registration   Statement  on  Form  S-1  (Registration  Number
                  333-43697)  dated  January 2, 1998 is hereby  incorporated  by
                  reference.

         3.       Bylaws,  filed as Exhibit 3.2 to  Pre-Effective  Amendment No.
                  One to Registration Statement on Form S-1 (Registration Number
                  333-43697)  dated February 9, 1998 is hereby  incorporated  by
                  reference.

         4.       Specimen Stock Certificate, filed as Exhibit 4 to Registration
                  Statement on Form S-1  (Registration  Number  333-43697) dated
                  January 2, 1998 is hereby incorporated by reference.






                                    SIGNATURE


         Pursuant to the  requirements of Section 12 of the Securities  Exchange
Act of 1934, the registrant  has duly caused this  registration  statement to be
signed on its behalf by the undersigned, thereto duly authorized.


                                     ADIRONDACK FINANCIAL SERVICES BANCORP, INC.



Date: February 10, 1998              By:  /s/ Lewis E. Kolar
      -----------------                   -------------------
                                          Lewis E. Kolar
                                          President and Chief Executive Officer