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): February 6, 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

                  New York Community Bancorp, Inc. (the "Company") has
                  established May 19, 2004 as the date of its Annual Meeting of
                  Shareholders. The meeting will commence at 10:00 a.m. Eastern
                  Time and will be held at the Crowne Plaza - LaGuardia in East
                  Elmhurst, New York.

                  In addition, March 29, 2004 has been established as the date
                  of record for voting at the Annual Meeting; proxy materials
                  will be mailed, together with the Company's 2003 Annual Report
                  to Shareholders, on or about April 12, 2004.

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 the Company's press
                      release, dated February 6, 2004, announcing the
                      establishment of its Annual Meeting date.

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: February 6, 2004            /s/ Joseph R. Ficalora
      ----------------            ----------------------
                                  Joseph R. Ficalora
                                  President and Chief Executive Officer

                                  EXHIBIT INDEX

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

Exhibit 99.1                        Press release dated February 6, 2004.