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<P style="font-size: 14pt" align="center"><B>UNITED STATES<BR>
SECURITIES AND EXCHANGE COMMISSION<BR>
<FONT
style="font-size: 12pt">Washington, D.C. 20549 </FONT></B>

<P style="font-size: 18pt" align="center"><B>FORM 8-K</B>

<P style="font-size: 12pt" align="center"><B>CURRENT REPORT<BR>
Pursuant to Section 13 or 15(d) of the Securities
Exchange Act of 1934</B>

<P style="font-size: 10pt" align="center"><B>Date of Report (Date of earliest event reported): March 4, 2009</B>



<P style="font-size: 24pt" align="center"><B>CORTLAND BANCORP<BR>
</B><FONT style="font-size: 10pt">(Exact name of
registrant as specified in its charter) </FONT>
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  <TD width="32%">&nbsp;</TD>
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  <TD style="border-bottom: #000000 1px solid"><B>Ohio</B></TD>
  <TD>&nbsp;</TD>
  <TD style="border-bottom: #000000 1px solid"><B>000-13814</B></TD>
  <TD>&nbsp;</TD>
  <TD style="border-bottom: #000000 1px solid"><B>34-1451118</B></TD>
 </TR>
 <TR valign="top">
  <TD>(State or other Jurisdiction of Incorporation)</TD>
  <TD>&nbsp;</TD>
  <TD>(Commission File Number)</TD>
  <TD>&nbsp;</TD>
  <TD>(IRS Employer Identification No.)</TD>
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  <TD style="border-bottom: #000000 1px solid"><B>194 West Main Street, Cortland, Ohio <BR>
</B></TD>
  <TD>&nbsp;</TD>
  <TD style="border-bottom: #000000 1px solid"><B>44410</B></TD>
 </TR>
 <TR valign="top">
  <TD>(Address of Principal Executive Offices)</TD>
  <TD>&nbsp;</TD>
  <TD>(Zip Code)</TD>
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<P style="font-size: 10pt" align="center">Registrant&#8217;s telephone number, including area code: <B>(330)
637-8040</B>
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  <TD style="border-bottom: #000000 1px solid" nowrap><B>Not Applicable<BR>
</B></TD>
 </TR>
 <TR>
  <TD nowrap>(Former name or former address if changed since last report.)</TD>
 </TR>

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<P style="font-size: 10pt" align="left">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:

<P style="font-size: 10pt" align="left"><FONT face="Wingdings">o</FONT> Written communications pursuant to Rule 425
under the Securities Act (17 CFR 230.425)<BR>
<BR>
<FONT face="Wingdings">o</FONT> Soliciting material pursuant to Rule
14a-12 under the Exchange Act (17 CFR 240.14a-12)<BR>
<BR>
<FONT face="Wingdings">o</FONT> Pre-commencement
communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))<BR>
<BR>
<FONT
face="Wingdings">o</FONT> Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR
240.13e-4(c))<BR>


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<P style="font-size: 10pt" align="left"><U><B>Item&nbsp;2.02.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Results of Operations and
Financial Condition.</B></U> <BR>
&nbsp;

<P style="font-size: 10pt; text-indent: 4%" align="left">On March&nbsp;4, 2009, Cortland Bancorp issued a news release
reviewing the Company&#8217;s financial results for the year ended December&nbsp;31, 2008. A copy of this news release
is included as Exhibit&nbsp;99 and incorporated herein by reference.

<P style="font-size: 10pt; text-indent: 4%" align="left">This announcement may contain forward-looking statements that
involve risk and uncertainties, including changes in general economic and financial market conditions and the
Company&#8217;s ability to execute its business plans. Although management believes the expectations reflected in such
statements are reasonable, actual results may differ materially. &nbsp;

<P style="font-size: 10pt; text-indent: 4%" align="left">The information in this Current Report on Form&nbsp;8-K,
including Exhibit&nbsp;99 included herewith, is being furnished and shall not be deemed to be &#8220;filed&#8221; for
purposes of Section&nbsp;18 of the Securities Exchange Act of 1934 (the &#8220;Exchange Act&#8221;) or otherwise
subject to the liability of that Section, nor shall such information be deemed to be incorporated by reference in any
registration statement or other document filed under the Securities Act of 1933 or the Exchange Act, except as
otherwise stated in such filing. &nbsp;

<P style="font-size: 10pt" align="left"><U><B>Item&nbsp;9.01.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Financial Statements and
Exhibits.</B></U>

<P style="font-size: 10pt" align="left">Exhibit&nbsp;99 &#8211; Press Release dated March&nbsp;4, 2009

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<P style="font-size: 10pt" align="center"><B>SIGNATURES</B>

<P style="font-size: 10pt; text-indent: 4%" align="left">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.

<P style="font-size: 10pt; margin-left: 45%" align="left">CORTLAND BANCORP

<P style="font-size: 10pt; margin-left: 45%" align="left">By: <U><B>/</B>s/Lawrence A.
Fantauzzi&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U><BR>
Lawrence
A. Fantauzzi, President<BR>


<P style="font-size: 10pt" align="left">Date: March&nbsp;4, 2009

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<P style="font-size: 10pt" align="center"><B>EXHIBIT INDEX</B>
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<TR style="font-size: 10pt" valign="bottom">
  <TD nowrap align="left"><B>Exhibit</B></TD>
  <TD>&nbsp;</TD>
  <TD>&nbsp;</TD>
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  <TD style="border-bottom: #000000 1px solid" nowrap align="left"><B>Index</B></TD>
  <TD>&nbsp;</TD>
  <TD style="border-bottom: #000000 1px solid" nowrap align="left"><B>Desription</B></TD>
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<DIV style="margin-left: 0px; text-indent: 0px">99 </DIV>
</TD>
  <TD>&nbsp;</TD>
  <TD valign="top" align="left">Press Release dated March&nbsp;4, 2009</TD>
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<P style="display: none; font-size: 10pt" align="center">4
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{"company-data": {"conformed-name": "CORTLAND BANCORP INC", "cik": "0000774569", "assigned-sic": "6035", "irs-number": "341451118", "state-of-incorporation": "OH", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-13814", "film-number": "09656446"}, "business-address": {"street1": "194 W MAIN ST", "city": "CORTLAND", "state": "OH", "zip": "44410", "phone": "2166378040"}, "mail-address": {"street1": "194 WEST MAIN STREET", "city": "CORTLAND", "state": "OH", "zip": "44410"}}
8-K
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): March 4, 2009
CORTLAND BANCORP
(Exact name of
registrant as specified in its charter)
Ohio
000-13814
34-1451118
(State or other Jurisdiction of Incorporation)
(Commission File Number)
(IRS Employer Identification No.)
194 West Main Street, Cortland, Ohio
44410
(Address of Principal Executive Offices)
(Zip Code)
Registrant's telephone number, including area code:
(330)
637-8040
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:
o
Written communications pursuant to Rule 425
under the Securities Act (17 CFR 230.425)
o
Soliciting material pursuant to Rule
14a-12 under the Exchange Act (17 CFR 240.14a-12)
o
Pre-commencement
communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
o
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 March 4, 2009, Cortland Bancorp issued a news release
reviewing the Company's financial results for the year ended December 31, 2008. A copy of this news release
is included as Exhibit 99 and incorporated herein by reference.
This announcement may contain forward-looking statements that
involve risk and uncertainties, including changes in general economic and financial market conditions and the
Company's ability to execute its business plans. Although management believes the expectations reflected in such
statements are reasonable, actual results may differ materially.
The information in this Current Report on Form 8-K,
including Exhibit 99 included herewith, is being furnished and shall not be deemed to be "filed" for
purposes of Section 18 of the Securities Exchange Act of 1934 (the "Exchange Act") or otherwise
subject to the liability of that Section, nor shall such information be deemed to be incorporated by reference in any
registration statement or other document filed under the Securities Act of 1933 or the Exchange Act, except as
otherwise stated in such filing.
Item 9.01.      Financial Statements and
Exhibits.
Exhibit 99 – Press Release dated March 4, 2009
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.
CORTLAND BANCORP
By:
/
s/Lawrence A.
Fantauzzi
Lawrence
A. Fantauzzi, President
Date: March 4, 2009
EXHIBIT INDEX
Exhibit
Index
Desription
99
Press Release dated March 4, 2009