SECURITIES AND EXCHANGE COMMISSION
                                Washington, D.C.

                                     FORM 15


CERTIFICATION  AND NOTICE OF TERMINATION OF REGISTRATION  UNDER SECTION 12(g) OF
THE SECURITIES  EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER
SECTIONS 13 AND 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934.

                                                  Commission File Number 0-27036
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                            Ambanc Holding Co., Inc.
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            (Exact name of registrant as specified in its charter)


                               11 Division Street
                         Amsterdam, New York, 12010-4303
                                 (518) 842-7200
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  (Address, including zip code, and telephone number, including area code, of
                   registrant's principal executive offices)


                     Common Stock, par value $0.01 per share
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            (Title of each class of securities covered by this Form)

                                 Not Applicable
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       (Titles of all other classes of securities for which a duty to file
                 reports under section 13(a) or 15(d) remains)

         Please place an X in the box(es) to  designate,  the  appropriate  rule
provision(s) relied upon to terminate or suspend the duty to file reports:

            Rule 12g-4(a)(1)(i)       [x]       Rule 12h-3(b)(1)(i)      [ ]
            Rule 12g-4(a)(1)(ii)      [ ]       Rule 12h-3(b)(1)(ii)     [ ]
            Rule 12g-4(a)(2)(i)       [ ]       Rule 12h-3(b)(2)(i)      [ ]
            Rule 12g-4(a)(2)(ii)      [ ]       Rule 12h-3(b)(2)(ii)     [ ]
                                                Rule 15d-6               [ ]

         Approximate  number of  holders  of record as of the  certification  or
notice date: None
             ----

         Effective March 8, 2002,  Ambanc Holding Co., Inc. merged with and into
Hudson  River  Bank & Trust  Co.,  a  wholly-owned  subsidiary  of Hudson  River
Bancorp, Inc. (0-24187).

         Pursuant to the  requirements  of the Securities  Exchange Act of 1934,
Ambanc Holding Company, Inc. has caused this  certification/notice  to be signed
on its behalf by the undersigned duly authorized person.


Date: March 8, 2002          By:  /s/Robert Kelly
                                  -----------------------------------
                                  Robert Kelly, Secretary