-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 AwmiLimx16NhPO0+5HKu4iZIinaUuchZIGKGA3QfjjP2/sf1yiw2xkezFfGkLtLo
 QTK91b1pg4FpjV/uhs5nKA==

<SEC-DOCUMENT>0001181431-06-041728.txt : 20060712
<SEC-HEADER>0001181431-06-041728.hdr.sgml : 20060712
<ACCEPTANCE-DATETIME>20060712214546
ACCESSION NUMBER:		0001181431-06-041728
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20060710
FILED AS OF DATE:		20060712
DATE AS OF CHANGE:		20060712

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Bero Marilyn
		CENTRAL INDEX KEY:			0001362765

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-52111
		FILM NUMBER:		06959462

	BUSINESS ADDRESS:	
		BUSINESS PHONE:		(315) 568-5855

	MAIL ADDRESS:	
		STREET 1:		19 CAYUGA STREET
		CITY:			SENECA FALLS
		STATE:			NY
		ZIP:			13148

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Seneca-Cayuga Bancorp, Inc.
		CENTRAL INDEX KEY:			0001356261
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				161601243
		STATE OF INCORPORATION:			X1
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		19 CAYUGA STREET
		CITY:			SENECA FALLS
		STATE:			NY
		ZIP:			13148
		BUSINESS PHONE:		(315) 568-5855

	MAIL ADDRESS:	
		STREET 1:		19 CAYUGA STREET
		CITY:			SENECA FALLS
		STATE:			NY
		ZIP:			13148
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>rrd124259.xml
<DESCRIPTION>FORM 4
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2006-07-10</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0001356261</issuerCik>
        <issuerName>Seneca-Cayuga Bancorp, Inc.</issuerName>
        <issuerTradingSymbol>SCAY.OB</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001362765</rptOwnerCik>
            <rptOwnerName>Bero Marilyn</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>19 CAYUGA STREET</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>SENECA FALLS</rptOwnerCity>
            <rptOwnerState>NY</rptOwnerState>
            <rptOwnerZipCode>13148</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2006-07-10</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>P</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>3000</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>10.00</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>3000</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <ownerSignature>
        <signatureName>/s/ Jeffrey Cass, pursuant to Power of Attorney</signatureName>
        <signatureDate>2006-07-12</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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