UNITED STATES
                             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): April 1, 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

               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) April 1, 2003 Company news release.

 Item 8.       Change in Fiscal Year

               Not applicable.

Item 9.        Regulation FD Disclosure

               Attached hereto as Exhibit 99.1 is the Company's April 1, 2003
               news release announcing that the Company will solicit the
               requisite consent of the holders of its 5.5 million Bifurcated
               Option Note Unit SecuritiES (BONUSES(SM) Units) for an amendment
               that will enable the BONUSES Units to be treated as Tier I
               Capital by the Federal Reserve.

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.

April 1, 2003                        NEW YORK COMMUNITY BANCORP, INC.

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


                                  EXHIBIT INDEX

99.1          April 1, 2003 Company news release