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 ACT OF 1934

Date of Report  (Date of earliest event reported)    December 6, 2004


                            GOUVERNEUR BANCORP, INC.
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             (Exact Name of Registrant as Specified in its Charter)


       UNITED STATES                  001-14910                 04-3429966
       -------------                 -----------            -------------------
(State or Other Jurisdiction         (Commission              (IRS Employer
     of Incorporation)               File Number)           Identification No.)


                  42 Church Street, Gouverneur, New York 13642
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                    (Address of Principal Executive Offices)

Registrant's telephone number, including area code:  (315) 287-2600
                                                     --------------

                                 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 (see General Instruction A.2. below):

[ ] Written communications 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
204.14a-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-49(c) under the
Exchange Act (17 CFR 240.13e-4(c)).


INFORMATION TO BE INCLUDED IN THE REPORT

Section 9         Financial Statements and Exhibits

         Item 9.01   Financial Statements and Exhibits

         (c)   Exhibits

         99.1     Press Release of Registrant, dated December 6, 2004
                  Re: Registrant Announces Fiscal 2004 Results











                                   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.

                                       GOUVERNEUR BANCORP, INC.
                                       ------------------------
                                             (Registrant)

Date:  December 6, 2004                By: /s/ RICHARD F. BENNETT
                                           -------------------------------------
                                           Richard F. Bennett
                                           President and Chief Executive Officer

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                                  EXHIBIT INDEX


Exhibit
Number          Description
-------         -----------

99.1            Press Release of Gouverneur Bancorp, Inc. dated December 6, 2004

                                       3