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): July 21, 2004

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

        Delaware                     1-31565                     06-1377322
----------------------------     ---------------            --------------------
(State or other jurisdiction       Commission                 (I.R.S. Employer
   of incorporation or             File Number               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 and Regulation FD Disclosure

           Not applicable.

Item 6.    Resignations of Registrant's Directors

           Not applicable.

Item 7.    Financial Statements, Pro Forma Financial Information and Exhibits

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

           (b)   No pro forma financial information is required.

           (c)   Attached as Exhibit 99.1 is the earnings release issued by New
                 York Community Bancorp, Inc. (the "Company") for the three and
                 six months ended June 30, 2004.

 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 to 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

           On July 21, 2004, the Company reported its earnings for the three and
           six months ended June 30, 2004. In addition, the Company reaffirmed
           the 2004 and 2005 earnings guidance it had provided in a news release
           issued on July 1, 2004. The July 21, 2004 earnings release is
           attached as Exhibit 99.1 and is incorporated into this Item 12 by


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.

July 21, 2004                              NEW YORK COMMUNITY BANCORP, INC.
                                           /s/ Joseph R. Ficalora
                                           Joseph R. Ficalora
                                           President and Chief Executive Officer

                                  EXHIBIT INDEX

99.1     Earnings release for the three and six months ended June 30, 2004,
         dated July 21, 2004.