UNITED STATES
                       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): July 31, 2006
                                                           -------------

                           SENECA-CAYUGA BANCORP, INC.
                           ---------------------------
             (Exact Name of Registrant as Specified in its Charter)

          Federal                         000-52111              16-160243
-----------------------------        ---------------------   -----------------
(State or Other Jurisdiction)        (Commission File No.)   (I.R.S. Employer
    of Incorporation)                                       Identification No.)


19 Cayuga Street, Seneca Falls, New York                       13148
----------------------------------------                       -----
(Address of Principal Executive Offices)                     (Zip Code)

Registrant's telephone number, including area code:  (315) 568-5855
                                                     --------------

                                 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 (see General Instruction A.2. below):

[  ]  Written communications pursuant to Rule 425 under the Securities Act
      (17 CFR 230.425)

[  ]  Soliciting material pursuant to Rule 14a-12 under the Exchange Act
      (17 CFR 240.14a-12)

[  ]  Pre-commencement communications pursuant to Rule 14d-2(b) under the
      Exchange Act (17 CFR 240.14d-2(b))

[  ]  Pre-commencement communications pursuant to Rule 13e-4(c) under the
      Exchange Act (17 CFR 240.13e-4(c))





Item 2.02    Results of Operations and Financial Condition.
             ----------------------------------------------

     On July 31, 2006,  Seneca-Cayuga  Bancorp, Inc. (the "Registrant") issued a
press  release  announcing  the  operating  results for the three and six months
ended June 30,  2006.  The  Registrant  is the holding  company for Seneca Falls
Savings Bank.

     The subject press release is attached as Exhibit 99.1

     This information,  including the press release filed as Exhibit 99.1, shall
not be deemed  to be  "filed"  for  purposes  of  Section  18 of the  Securities
Exchange Act of 1934 nor shall it be deemed to be  incorporated  by reference in
any filing under the Securities Act of 1933.

Item 9.01.   Financial Statements and Exhibits
             ---------------------------------

(a) Financial statements of businesses acquired. None.
(b) Pro forma financial information. None.
(c) Shell company transactions. None.
(d) Exhibits.

         Exhibit No.               Description
         -----------               ------------
         99.1   Press release dated July 31, 2006








                                   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.

                                       SENECA-CAYUGA BANCORP, INC.


DATE:  July 31, 2006                   By: /s/ Menzo D. Case
                                           -------------------------
                                           Menzo D. Case
                                           Executive Vice President























                                  EXHIBIT 99.1