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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 Q2XZyNqpJJe59wnqzb8OZ4ie0UKcacAv1IAKgK1xkBkw0lrbLsTAJKn9KjtKIOK4
 niAumiWpLy2nolpHctjUAQ==

<SEC-DOCUMENT>0000927089-97-000031.txt : 19970327
<SEC-HEADER>0000927089-97-000031.hdr.sgml : 19970327
ACCESSION NUMBER:		0000927089-97-000031
CONFORMED SUBMISSION TYPE:	NT 10-K
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	19961231
FILED AS OF DATE:		19970326
SROS:			NASD

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AMBANC HOLDING CO INC
		CENTRAL INDEX KEY:			0001000301
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				141783770
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		NT 10-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-27036
		FILM NUMBER:		97563896

	BUSINESS ADDRESS:	
		STREET 1:		11 DIVISION ST
		CITY:			AMSTERDAM
		STATE:			NY
		ZIP:			12010
		BUSINESS PHONE:		5188427200

	MAIL ADDRESS:	
		STREET 1:		PO BOX 669
		CITY:			AMSTERDAM
		STATE:			NY
		ZIP:			12010
</SEC-HEADER>
<DOCUMENT>
<TYPE>NT 10-K
<SEQUENCE>1
<TEXT>


</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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