SC TO-T/A

                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                   SCHEDULE TO
                                 (Rule 14d-100)

            TENDER OFFER STATEMENT UNDER SECTION 14(D)(1) OR 13(E)(1)
                     OF THE SECURITIES EXCHANGE ACT OF 1934
                                (AMENDMENT NO. 6)

                              COHOES BANCORP, INC.
                             ----------------------
                            (Name of Subject Company)

                            AMBANC HOLDING CO., INC.
                           --------------------------
                       (Name of Filing Persons -- Offeror)

                     COMMON STOCK, PAR VALUE $.01 PER SHARE
                    ----------------------------------------
                         (Title of Class of Securities)

                                   192 513 109
                                  -------------
                      (CUSIP Number of Class of Securities)

                                 John M. Lisicki
                      President and Chief Executive Officer
                               11 Division Street
                            Amsterdam, New York 12010
                                 (518) 842-7200
                    ----------------------------------------
                  (Name, Address and Telephone Number of Person
      Authorized to Receive Notices and Communications on Behalf of Bidder)

                                   Copies to:
                               John J. Spidi, Esq.
                            Malizia Spidi & Fisch, PC
                       1301 K Street, N.W. Suite 700 East
                             Washington, D.C. 20005
                                (202) 434 - 4660


[ ]  Check the box if the filing relates  solely to  preliminary  communications
     made before the commencement of a tender offer.

Check the  appropriate  boxes below to designate any  transactions  to which the
statement relates:

[X]  third-party tender offer subject to Rule 14d-1.
[ ]  issuer tender offer subject to Rule 13e-4.
[ ]  going-private transaction subject to Rule 13e-3.
[ ]  amendment to Schedule 13D under Rule 13d-2.

Check the following box if the filing is a final amendment reporting the results
of the tender offer: [X].

                                       -1-




                                   SCHEDULE TO

         This Amendment No. 6 amends and  supplements the Tender Offer Statement
on Schedule TO, dated August 9, 2000, as amended (the "Schedule TO") relating to
an offer by Ambanc Holding Co.,  Inc., a Delaware  Corporation,  ("Ambanc"),  to
purchase  all of the  outstanding  shares of common  stock,  par value $0.01 per
share (the "Shares") of Cohoes  Bancorp,  Inc. for $16.50 per Share,  net to the
seller in cash,  without  interest  thereon,  upon the terms and  subject to the
conditions set forth in the Offer to Purchase,  dated August 9, 2000 (the "Offer
to Purchase") and the related Letter of  Transmittal  (which,  together with the
Offer to Purchase,  constitutes  the "Offer"),  copies of which were attached to
the Schedule TO as Exhibits (a)(1) and (a)(2), respectively.

         All of the  information in the Offer to Purchase and the related Letter
of Transmittal is hereby  incorporated by reference in answer to Items 1 through
11 of the Schedule TO.


ITEM 11.  ADDITIONAL INFORMATION.

         Item 11 of the  Schedule  TO is  hereby  amended  and  supplemented  as
follows:

         On October 6, 2000,  Ambanc issued a press release  announcing that the
Offer would expire at 12:00  midnight,  New York City Time,  on October 6, 2000,
without the conditions to the Offer being  satisfied.  Ambanc has instructed its
depositary  for the Offer to  promptly  return  all  Cohoes  Shares  theretofore
tendered pursuant to the Offer and not withdrawn. A copy of the press release is
filed  herewith as Exhibit  (a)(11) and the  information  set forth in the press
release is incorporated by reference.

ITEM 12. EXHIBITS.

         Item 12 is hereby amended and supplemented as follows:

         (a)(11) Text of press release issued by Ambanc on October 6, 2000.


                                       -2-





                                   SIGNATURES

         After due inquiry and to the best of my knowledge and belief, I certify
that the information set forth in this statement is true, complete and correct.

Dated: October 6, 2000


                                            AMBANC HOLDING CO., INC.


                                       By: /s/John M. Lisicki
                                           -------------------------------------
                                           John M. Lisicki
                                           President and Chief Executive Officer

EX-99.A(11)

Exhibit a(11)

For Immediate Release

               Ambanc Announces Expiration of Cohoes Tender Offer
              Reaffirms its Commitment to an Acquisition of Cohoes

AMSTERDAM,  N.Y.--(BUSINESS  WIRE)-October  6,  2000--Ambanc  Holding Co.,  Inc.
(NASDAQ: AHCI) ("Ambanc") announced today that it will permit its pending tender
offer to acquire Cohoes  Bancorp,  Inc., to expire at 12:00  midnight,  New York
time, on Friday,  October 6, 2000.  Ambanc has instructed the depositary for the
offer  to  return  promptly  all  shares  tendered  to date  and not  previously
withdrawn.

John M.  Lisicki,  Ambanc's  President and CEO stated:  "We remain  committed to
acquiring  Cohoes and we will continue our efforts in this regard by immediately
communicating  our desire to engage in meaningful  merger  discussions  directly
with the Board of Cohoes.  We believe that a combination  beneficial to both the
Cohoes and the Ambanc stockholders can be achieved."

Mr. Lisicki also stated that Ambanc remains  committed to enhancing  shareholder
value in Ambanc, including repurchases of the Company's stock.

Ambanc  Holding Co.,  Inc. is a unitary  savings and loan holding  company.  The
Company's  primary  subsidiary,  Mohawk  Community  Bank,  serves  customers  in
seventeen upstate New York offices, located in Montgomery,  Fulton, Schenectady,
Saratoga,  Albany, Otsego,  Chenango and Schoharie counties. The Bank's deposits
are insured up to the maximum legal amount by the FDIC.

The foregoing material may contain forward-looking  statements.  We caution that
such statements may be subject to a number of  uncertainties  and actual results
could differ materially and, therefore,  readers should not place undue reliance
on any forward-looking  statements.  Ambanc does not undertake, and specifically
disclaims,  any obligation to publicly release the results of any revisions that
may be made to any  forward-looking  statements  to reflect  the  occurrence  of
anticipated  or  unanticipated  events or  circumstances  after the date of such
statements.

CONTACT: Ambanc Holding Co., Inc.
John M. Lisicki, President & CEO
(518) 842-7200
jlisicki@mohawkcommunitybank.com