ABNJ American Bancorp N J (MM)

CUSIP NO. 02407E 10 4 13G Page 3 of 5 Pages


Item 1
 (a) Name of Issuer

 American Bancorp of New Jersey, Inc.

 (b) Address of Issuer's Principal Executive Offices

 365 Broad Street
 Bloomfield, New Jersey 07003

Item 2
 (a) Name of Person Filing

 American Bank of New Jersey
 Employee Stock Ownership Plan Trust
 Trustee: RSGroup Trust Company

 (b) Address of Principal Business Office

 c/o Pentegra Retirement Services
 3 Enterprise Drive, Suite #105
 Shelton, CT 06484

 (c) Citizenship or Place of Organization

 New Jersey

 (d) Title of Class of Securities

 Common Stock, par value $.10 per share

 (e) CUSIP Number

 02407E 10 4

Item 3. If this statement is filed pursuant to ss.ss.240.13d-1(b) or
 240.13d-2(b, or (c), check whether the person filing is a:

 (f) [x] An employee benefit plan or endowment fund in
 accordance with ss.240.13d-1(b)(1)(ii)(F).

Item 4. Ownership

 Provide the following information regarding the aggregate
 number and percentage of the class of securities of the issuer
 identified in Item 1.

 (a) Amount beneficially owned: 1,120,818.
 (b) Percent of class: 10.3%.

CUSIP NO. 02407E 10 4 13G Page 4 of 5 Pages

 (c) Number of shares as to which the person has:

 (i) Sole power to vote or to direct the vote:
 891,896.
 (ii) Shared power to vote or to direct the vote:
 228,922.
 (iii) Sole power to dispose or to direct the disposition
 of: 1,120,818.
 (iv) Shared power to dispose or to direct the
 disposition of: 0.

Item 5. Ownership of Five Percent or Less of a Class

 Not applicable

Item 6. Ownership of More Than Five Percent on Behalf of Another
 Person

 Not applicable

Item 7. Identification and Classification of the Subsidiary Which
 Acquired the Security Being Reported on by the Parent Holding
 Company

 Not applicable

Item 8. Identification and Classification of Members of the Group

 The reporting person is an employee benefit plan
 subject to the provisions of the Employee Retirement Income
 Security Act of 1974.

Item 9. Notice of Dissolution of Group

 Not applicable

Item 10. Certification

 By signing below I certify that, to the best of my
 knowledge and belief, the securities referred to above were
 acquired and are held in the ordinary course of business and
 were not acquired and are not held for the purpose of or with
 the effect of changing or influencing the control of the
 issuer of the securities and were not acquired and are not
 held in connection with or as a participant in any transaction
 having that purpose or effect.

CUSIP NO. 02407E 10 4 13G Page 5 of 5 Pages




 SIGNATURE


 After reasonable inquiry and to the best of my knowledge and belief, I
certify that the information set forth in this statement is true, complete and
correct.



Date: February 3, 2009 AMERICAN BANK OF NEW JERSEY
 EMPLOYEE STOCK
 OWNERSHIP PLAN TRUST

 By: RSGroup Trust Company, as Trustee

 /s/ Stephen A. Hughes
 ---------------------------------
 Name: Stephen A. Hughes
 Title: Trust Officer