UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, DC 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): March 12, 2013

VSB Bancorp, Inc.

(Exact Name of Registrant as specified in its charter)

4142 Hylan Boulevard, Staten Island, New York 10308

Address of principal (Zip/Postal Code) executive offices

Registrant’s telephone number: 718-979-1100

n/a

(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 communication 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))

TABLE OF CONTENTS

ITEM 8.01     Other Events

Index of Exhibits

SIGNATURES

ITEM 8.01     Other Events

On March 12, 2013, the Company announced a $0.06 per share cash dividend to stockholders of record on March 22, 2013, payable on April 1, 2013. A copy of the press release announcing the dividend is attached as Exhibit 8.01 (a).

INDEX TO EXHIBITS

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.

Dated: March 12, 2013

2