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): October 2, 2003

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

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

                  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

                  On October 2, 2003, New York Community Bancorp, Inc. (the
                  "Company") announced that its merger with Roslyn Bancorp,
                  Inc. had been approved by the New York State
                  Banking Department, thus concluding the regulatory approval
                  process for the merger. Subject to the receipt of
                  shareholder approval on October 29, 2003, on which date the
                  companies will each hold a Special Meeting of Shareholders,
                  the merger is expected to take place at the close of
                  business on October 31, 2003.

Item 6.           Resignations of Registrant's Directors

                  Not applicable.

Item 7.           Financial Statements and Exhibits

                  (a)  Financial  statements of  businesses  acquired are
                       required: None

                  (b)  Pro forma financial information: None

                  (c)  Exhibits:

                       Exhibit 99.1       Press Release dated October 2, 2003

Item 8.           Change in Fiscal Year

                  Not applicable.

Item 9.           Regulation FD Disclosure

                  Not applicable.

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 Plans.

                  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.

                                        NEW YORK COMMUNITY BANCORP, INC.

Date: October 2, 2003                   /s/ Joseph R. Ficalora
      ---------------                   ----------------------
                                        Joseph R. Ficalora
                                        President and Chief Executive Officer

                                  EXHIBIT INDEX

Exhibit No.                         Description
-----------                         -----------

Exhibit 99.1                        Press Release dated October 2, 2003