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): November 29, 2000



                           TROY FINANCIAL CORPORATION
                           --------------------------
             (Exact name of registrant as specified in its charter)

            DELAWARE                 000-25439             16-1559508
----------------------------       -------------        ------------------
(State or other jurisdiction        (Commission           (IRS Employer
     of incorporation)              File Number)        Identification No.)



                     32 SECOND STREET, TROY, NEW YORK 12180
          -------------------------------------------------------------
                    (Address of principal executive offices)



     Registrant's telephone number, including area code:   (518) 270-3313
                                                           --------------


                                 NOT APPLICABLE
          -------------------------------------------------------------
          (Former name or former address, if changed since last report)

<PAGE>


ITEM 5.  OTHER EVENTS.

         Troy  Financial  Corporation  announced  on November  29, 2000 that its
annual  meeting of  shareholders  will be held on February 8, 2001 at 10:00 a.m.
Eastern Time, at The Century House,  997 New Loudon Road,  Route 9, Latham,  New
York.  Troy issued a press release on November 29, 2000  describing  the meeting
and providing additional information about Troy.


<PAGE>


ITEM 7.     FINANCIAL STATEMENTS AND EXHIBITS.

(a)      Not applicable.

(b)      Not applicable.

(c)      Not applicable.


<PAGE>

                                   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.

                                    TROY FINANCIAL CORPORATION
                                    --------------------------
                                    (Registrant)



                                    /s/ Edward M. Maziejka, Jr.
                                    ----------------------------------------
                                    Edward M. Maziejka, Jr.
                                    Vice President and Chief Financial Officer




Date: November 29, 2000
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{"company-data": {"conformed-name": "TROY FINANCIAL CORP", "cik": "0001075046", "assigned-sic": "6021", "irs-number": "161559508", "state-of-incorporation": "DE", "fiscal-year-end": "0930"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-25439", "film-number": "780207"}, "business-address": {"street1": "32 SECOND ST", "city": "TROY", "state": "NY", "zip": "12180", "phone": "5182703274"}, "mail-address": {"street1": "32 SECOND ST", "city": "TROY", "state": "NY", "zip": "12180"}}
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): November 29, 2000

                           TROY FINANCIAL CORPORATION
                           --------------------------
             (Exact name of registrant as specified in its charter)

            DELAWARE                 000-25439             16-1559508
----------------------------       -------------        ------------------
(State or other jurisdiction        (Commission           (IRS Employer
     of incorporation)              File Number)        Identification No.)

                     32 SECOND STREET, TROY, NEW YORK 12180
          -------------------------------------------------------------
                    (Address of principal executive offices)

     Registrant's telephone number, including area code:   (518) 270-3313
                                                           --------------

                                 NOT APPLICABLE
          -------------------------------------------------------------
          (Former name or former address, if changed since last report)
ITEM 5.  OTHER EVENTS.

         Troy  Financial  Corporation  announced  on November  29, 2000 that its
annual  meeting of  shareholders  will be held on February 8, 2001 at 10:00 a.m.
Eastern Time, at The Century House,  997 New Loudon Road,  Route 9, Latham,  New
York.  Troy issued a press release on November 29, 2000  describing  the meeting
and providing additional information about Troy.
ITEM 7.     FINANCIAL STATEMENTS AND EXHIBITS.

(a)      Not applicable.

(b)      Not applicable.

(c)      Not applicable.
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.

                                    TROY FINANCIAL CORPORATION
                                    --------------------------
                                    (Registrant)

                                    /s/ Edward M. Maziejka, Jr.
                                    ----------------------------------------
                                    Edward M. Maziejka, Jr.
                                    Vice President and Chief Financial Officer

Date: November 29, 2000