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, 2003

                           GREENE COUNTY BANCORP, INC.
             (Exact name of registrant as specified in its charter)

          Federal                        0-25165                  14-1809721
----------------------------      ---------------------      -------------------
(State or other jurisdiction      (Commission File No.)         (IRS Employer
      of incorporation)                                      Identification No.)

302 Main Street, Catskill NY                                           12414
----------------------------------------                           -------------
(Address of principal executive offices)                            (Zip Code)

Registrant's telephone number, including area code:  (518) 943-2600

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


Item 7.           Financial Statements and Exhibits.

(a) Not Applicable.

(b) Not Applicable.

(c) Exhibits.

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

                      99          Press release dated July 31, 2003

Item 12. Results of Operations and Financial Condition

     On July 31, 2003, Greene County Bancorp, Inc. (the "Company") announced its
earnings  for the three and twelve  months  ended June 30,  2003.  A copy of the
press  release  dated July 31,  2003,  describing  earnings  for such periods is
attached as Exhibit 99 to this report.


     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.

                                           GREENE COUNTY BANCORP, INC.

DATE:  July 31, 2003                  By:  /s/ J. Bruce Whittaker
                                           J. Bruce Whittaker
                                           President and Chief Executive Officer