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): October 1, 1999


                      AUBURN NATIONAL BANCORPORATION, INC.
             ------------------------------------------------------
               (Exact Name of Registrant as Specified in Charter)



         Delaware                    0-26486                63-0885779
     ---------------               -----------            -------------
     (State or Other               (Commission            (IRS Employer
     Jurisdiction of               File Number)           Identification No.)
     Incorporation)


       100 North Gay Street, P.O. Drawer 3110, Auburn, Alabama 36831-3110
- --------------------------------------------------------------------------------
         (Addresses of Principal Executive Offices, including Zip Code)

                                 (334) 821-9200
                        ---------------------------------
              (Registrant's Telephone Number, including Area Code)


Item 5.    Other Events.
- ------     ------------

         On October 1, 1999, Auburn National Bancorporation, Inc. announces
Third Quarter Earnings. A copy of the press release is attached to the end of
this report.


Item 7.    Financial Statements, Pro Forma Financial Information, and Exhibits.
- ------     -------------------------------------------------------------------

         (c)    Exhibits

                The following exhibits are filed herewith:

         Exhibit No.             Description
         -----------             -----------

         99.1            Press Release dated October 1, 1999 to announce Third
                         Quarter Earnings


                                    SIGNATURE



         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.



                                    AUBURN NATIONAL BANCORPORATION, INC.
                                    (Registrant)



                                    /s/ Linda D. Fucci
                                    ------------------------------------
                                    Linda D. Fucci
                                    Chief Financial Officer



Date:  October 7, 1999


                                INDEX TO EXHIBITS
                                -----------------



Exhibit
- -------

99.1           Press Release for Third Quarter Earnings

EX-99.1

EXHIBIT 99.1
- ------------


AUBURN NATIONAL BANCORPORATION, INC.
ANNOUNCES THIRD QUARTER EARNINGS

         AUBURN, Alabama, October 1, 1999 - Auburn National Bancorporation, Inc.
(the "Company") reported unaudited net income of approximately $2.4 million, or
$.61 per share, for the nine months ended September 30, 1999, compared to
approximately $2.5 million, or $.64 per share, for the same period last year.
The Company's net income for the three months ended September 30, 1999 was
approximately $484,000, or $.12 per share, compared to approximately $1.0
million, or $.26 per share, for the same period last year.

         These results reflect an additional provision for possible loan losses
of approximately $578,000 net of applicable income tax effects. This provision
was taken primarily as a result of a recent regulatory examination of the
Company's principal subsidiary, AuburnBank, and reflects the increased scrutiny
being given to credit quality during examinations, and deterioration in certain
credits. This provision will bring the level of the reserve for possible loan
losses to $3.9 million, or 1.5% of funded loans at September 30, 1999, compared
to $2.8 million or 1.32% of funded loans at the same date last year. The
Company's allowance for possible loan losses at September 30, 1999 was
approximately 69.5% of nonperforming loans compared to approximately 52.5% the
same time last year.

         Auburn National Bancorporation, Inc. is the parent company of
AuburnBank with total assets of approximately $365 million. The common stock of
the company trades on Nasdaq SmallCap market under the symbol of "AUBN."

         Under the Private Securities Litigation Reform Act of 1995, certain of
     the statements contained in this press release regarding Auburn National
     Bancorporation, Inc.'s business and financial performance which are not
     historical facts may constitute "forward-looking statements" that involve
     risks and uncertainties. For a discussion of such risks and uncertainties,
     which could cause actual results to differ from those contained in the
     forward-looking statements, see the section entitled "Special Cautionary
     Notice Regarding Forward-Looking Statements" in the Company's Annual Report
     on Form 10-KSB for the most recently ended fiscal year.