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) May 14, 2003

                        NEW YORK COMMUNITY BANCORP, INC.
             (Exact name of registrant as specified in its charter)

        Delaware                       1-31565                   06-1377322
----------------------------     ----------------------     --------------------
(State or other jurisdiction     Commission File Number       (I.R.S. Employer
   of incorporation or                                       Identification No.)

                  615 Merrick Avenue, Westbury, New York 11590
                    (Address of principal executive offices)

     (Registrant's telephone number, including area code)   (516) 683-4100

                                 Not applicable
          (Former name or former address, if changed since last report)

                           CURRENT REPORT ON FORM 8-K

Item 1.  Changes in Control of Registrant

         Not applicable.

Item 2.  Acquisition or Disposition of Assets

         Not applicable.

Item 3.  Bankruptcy or Receivership

         Not applicable.

Item 4.  Changes in Registrant's Certifying Accountant

         Not applicable.

Item 5.  Other Events

         Not applicable.

Item 6.  Resignations of Registrant's Directors

         Not applicable.

Item 7.  Financial Statements and Exhibits

        (a)  No financial statements of businesses acquired are required.

        (b)  No pro forma financial information is required.

        (c)  Attached as an exhibit is the Company's press release announcing
             the results of its Annual Meeting of Shareholders and reiterating
             the Company's diluted earnings per share projections for 2003.

Item 8.   Change in Fiscal Year

          Not applicable.

Item 9.   Regulation FD Disclosure

          On May 14, 2003, New York Community Bancorp, Inc. (the "Company"), a
          Delaware corporation, announced that its shareholders had approved all
          of the proposals submitted for their consideration at the Annual
          Meeting of Shareholders held that day. In addition, the Company
          reiterated its 2003 earnings guidance, noting that its diluted
          earnings per share are currently expected to range from $2.67 to

Item 10. Amendments to the Registrant's code of Ethics, or Waiver of a
         Provision of the Code of Ethics

         Not applicable.

Item 11. Temporary Suspension of Trading Under Registrant's Employee Benefit

         Not applicable.

Item 12. Results of Operations and Financial Condition

         Not applicable.


     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.

   May 14, 2003                        NEW YORK COMMUNITY BANCORP, INC.

                                       /s/ Joseph R. Ficalora
                                           Joseph R. Ficalora
                                           President and Chief Executive Officer

                                  EXHIBIT INDEX

Exhibit 99.1        News release dated May 14, 2003 announcing the results of
                    the Company's Annual Meeting of Shareholders and reiterating
                    the Company's diluted earnings per share estimates for 2003.