10-K/A

                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                    FORM 10-K/A

               X    ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(D) OF
             -----     THE SECURITIES EXCHANGE ACT OF 1934


                  For the fiscal year ended DECEMBER 31, 1995
                                            -----------------
                           Commission File No. 0-14874


            ___  TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF
                       THE SECURITIES EXCHANGE ACT OF 1934


                               STATE BANCORP, INC.
                               -------------------
             (Exact name of registrant as specified in its charter)

     New York                                          11-2846511
     --------                                          ----------
(State or other jurisdiction of                        (I.R.S.Employer
incorporation or organization)                         Identification No.)

699 Hillside Avenue
New Hyde Park, N.Y.                                    11040
- -------------------                                    -----
(Address of principal                                  (Zip Code)
 executive offices)

Registrant's telephone number including area code (516) 437-1000

Securities registered pursuant to Section 12(b) of the Act:  NONE

Securities registered pursuant to Section 12(g) of the Act:

                         Common Stock ($5.00 par value)
                         ------------------------------
                                (Title of Class)

Indicate by check mark whether the registrant (1) has filed all reports required
to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during
the preceding 12 months (or for such shorter period that the registrant was
required to file such reports), and (2) has been subject to such filing
requirement for the past 90 days.

                                 Yes  X   No
                                     ---     ---

As of March 15, 1996, there were 4,222,128 shares of common stock outstanding
and the aggregate market value of common stock of State Bancorp, Inc. held by
nonaffiliates was approximately $60,165,000  based upon the last trade per share
known to Management.



                                SIGNATURES



      Pursuant to the requirements of the Securities Exchange Act of 1934, 
the registrant has duly caused this amendment to be signed on its behalf by 
the undersigned, thereunto duly authorized.




                                      State Bancorp, Inc.
                                          (Registrant)



Date: May 29, 1996                    By: /s/ Brian K. Finneran
                                          ---------------------
                                          Brian K. Finneran,
                                            Comptroller








        c)  1987 incentive stock        Incorporated by reference from
            option plan, as             exhibit 10c to the Company's
            amended                     December 31, 1991 Form 10-K.

        d)  1984 incentive stock        Incorporated by reference from
            option plan                 exhibit 10d to the Company's
                                        December 31, 1993 Form 10-K.

        e)  (i)   Executive             Incorporated by reference from
            severance plan no. 1        exhibit 10f to the Company's
                                        December 31, 1987 Form 10-K.

        e)  (ii)  Executive             Incorporated by reference from
            severance plan no. 2        exhibit 10d to the Company's
                                        December 31, 1990 Form 10-K.

        e)  (iii) Executive             Filed herein
            severance plan no. 3

        e)  (iv)  Executive             Filed herein
            severance plan no. 4

        e)  (v)   Executive             Filed herein
            severance plan no. 5

        f)  State Bank of Long          Incorporated by reference from
            Island 401k                 exhibit 10g to the Company's
            retirement plan and         December 31, 1987 Form 10-K.
            trust

        g)  State Bancorp, Inc.         Incorporated by reference from 
            employee stock              exhibit 10g to the Company's
            ownership plan              December 31, 1987 Form 10-K.

        h)  Deferred compensation       Filed herein
            agreement

(13)    Annual report to                Filed herein
        stockholders

(24)    Independent Auditor's           Filed herein
        Consent

(27)    Financial Data Schedule         Filed herein

EX-27

 


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<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                      45,853,678
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                            76,000,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                204,391,430
<INVESTMENTS-CARRYING>                      28,222,798
<INVESTMENTS-MARKET>                        28,224,224
<LOANS>                                    287,578,741
<ALLOWANCE>                                  5,004,216
<TOTAL-ASSETS>                             650,950,468
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<SHORT-TERM>                               110,217,774
<LIABILITIES-OTHER>                          2,405,188
<LONG-TERM>                                          0
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<TOTAL-LIABILITIES-AND-EQUITY>             650,950,468
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