8-K

                       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)
                                December 14, 2004

                            Advance Financial Bancorp
             ------------------------------------------------------
             (Exact name of Registrant as specified in its Charter)


           Delaware                  0-21885                55-0753533
- ----------------------------        ----------            -------------
(State or other jurisdiction        (File No.)            (IRS Employer
 of incorporation)                                        Identification Number)


1015 Commerce Street, Wellsburg, West Virginia                   26070
- ----------------------------------------------               ------------
(Address of principal executive offices)                      (Zip Code)


Registrant's telephone number, including area code:   (304) 737-3531
                                                    ------------------


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

         Check the  appropriate  box below if the Form 8-K filing is intended to
simultaneously  satisfy the filing obligation of the registrant under any of the
following provisions:

[ ] Written communications  pursuant to Rule 425 under the Securities Act
[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act
[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the
    Exchange Act
[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange
    Act



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


Item 8.01  Other Events
- ---------  ------------

On December 14, 2004, the stockholders of Advance Financial Bancorp approved the
Agreement and Plan of Reorganization  with Parkvale Financial  Corporation.  For
further  information please refer to the Press Release attached as Exhibit 99 to
this Report.


Item 9.01  Financial Statements, Pro Forma Financial Information
           and Exhibits
           ------------

(c) Exhibits


    Exhibit
    Number                   Description
    ------                   -----------

      99                     Press Release dated December 15, 2004




                                   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, hereunto duly authorized.


                                      ADVANCE FINANCIAL BANCORP




Date:    December 15, 2004            By:  /s/Stephen M. Gagliardi
                                           -------------------------------------
                                           Stephen M. Gagliardi
                                           President and Chief Executive Officer

EX-99

                            Advance Financial Bancorp



Advance Financial Bancorp                Subject: Annual Meeting of Stockholders
1015 Commerce Street
Wellsburg, West Virginia  26070          Contact: Stephen M. Gagliardi
www.advancefinancial.com                          President
                                                  (304) 737-3531

                                         Date:    December 15, 2004


                 ADVANCE FINANCIAL BANCORP STOCKHOLDERS APPROVE
                         MERGER WITH PARKVALE FINANCIAL

FOR IMMEDIATE RELEASE
- ---------------------

         Wellsburg,  West Virginia  (Nasdaq  SmallCap  Market "AFBC") -- Advance
Financial  Bancorp  (the  "Company"),  the  parent  holding  company  of Advance
Financial Savings Bank,  Wellsburg,  West Virginia (the "Bank"),  announced that
its 2004 Annual  Meeting of  Stockholders  was held  yesterday.  At the meeting,
stockholders approved the Agreement and Plan of Reorganization,  dated September
1, 2004, by and among Parkvale  Financial  Corporation,  Parkvale  Savings Bank,
Advance  Financial  Bancorp and Advance  Financial  Savings Bank.  The merger of
Advance  Financial  with and into  Parkvale  Financial  is  expected to close in
December 2004 or early in 2005.  The merger is  conditioned  upon the receipt of
the necessary  banking  regulatory  approvals.  Upon consummation of the merger,
each outstanding  share of Advance Financial common stock will be converted into
the right to receive  $26.00 in cash,  as  described  in the  Agreement.  At the
Meeting,  stockholders also approved the election of Kelly M. Bethel, William E.
Watson and Frank Gray Young for three-year terms and ratified the appointment of
S.R.  Snodgrass  as auditors  for the Company for the fiscal year ended June 30,
2005.