UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-Q
[X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the quarterly period ended September 30, 2003
OR
[ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934
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Commission file number 000-24187 |
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HUDSON RIVER BANCORP, INC. |
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(Exact name of registrant as specified in its charter)
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Delaware |
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14-1803212 |
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(State or other jurisdiction of incorporation) |
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(IRS Employer Identification Number) |
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One Hudson City Centre |
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Hudson New York, 12534 |
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(Address of principal executive offices and zip code) |
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(518) 828-4600 |
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Registrant's telephone number, including area code: |
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Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15 (d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.
[X] YES [ ] NO
As of November 3, 2003, there were issued and outstanding 15,154,897 shares of the Registrant's Common Stock.
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FORM 10-Q
HUDSON RIVER BANCORP, INC.
INDEX
&nb sp;
PART I. FINANCIAL INFORMATION
ITEM 1. Financial Statements (unaudited)
Consolidated Balance Sheets at September 30, 2003
and March 31, 2003
Consolidated Income Statements for the three and six months
ended September 30, 2003 and 2002
Consolidated Statements of Cash Flows for the six months
ended September 30, 2003 and 2002
Notes to Unaudited Consolidated Interim
Financial Statements
ITEM 2. Management’s Discussion and Analysis of Financial
Condition and Results of Operations
ITEM 3. Quantitative and Qualitative Disclosures about
Market Risk
ITEM 4. Controls and Procedures
PART II. OTHER INFORMATION
ITEM 1. Legal Proceedings
ITEM 2. Changes in Securities and Use of Proceeds
ITEM 3. Defaults Upon Senior Securities
ITEM 4. Submission of Matters to a Vote of Security Holders
ITEM 5. Other Information
ITEM 6. Exhibits and Reports on Form 8-K
EXHIBIT INDEX
SIGNATURE PAGE
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