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): January 30, 2004

                        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 and Regulation FD Disclosure

                  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

                  (b)    No pro forma financial information is required.

                  (c)    Attached as Exhibit 99.1 is a press  release  issued by
                         New York  Community  Bancorp,  Inc. (the  "Company") on
                         January  30,  2004 to announce  the  completion  of its
                         follow-on  offering  of  10,125,000  shares  of  common

Item 8.           Change in Fiscal Year

                  Not applicable.

Item 9.           Regulation FD Disclosure

                  On January 30, 2004, the Company issued a press release
                  announcing that its follow-on offering of 10,125,000 shares of
                  common stock had been completed, generating net proceeds of
                  approximately $400 million. The press release is attached as
                  Exhibit 99.1.

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: January 30, 2004                     /s/ Joseph R. Ficalora
      ----------------                     ----------------------
                                           Joseph R. Ficalora
                                           President and Chief Executive Officer

                                  EXHIBIT INDEX

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

Exhibit 99.1                        Press release dated January 30, 2004.