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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON D.C. 20549


                                    FORM 13F

                               FORM 13F COVER PAGE

Report for the Calendar Year or Quarter Ended: December 31, 2004
                                               ------------------

Check here if Amendment [ ]; Amendment Number: 
This Amendment (Check only one):  [ ] is a restatement.
                                  [ ] adds new holdings entries.

Institutional Investment Manager Filing this Report:

Name:     New York Community Bancorp, Inc.
Address:  615 Merrick Avenue
          Westbury, New York 11590

13F File Number:  28-10200

              The institutional investment manager filing this report and the
         person by whom it is signed hereby represent that the person signing
         the report is authorized to submit it, that all information contained
         herein is true, correct and complete, and that it is understood that
         all required items, statements, schedules, lists, and tables, are
         considered integral parts of this form.

Person Signing this Report on Behalf of Reporting Manager:

Name:     Thomas R. Cangemi
Title:    Senior Executive Vice President
Phone:    (516) 683-4288

Signature, Place, and Date of Signing:

/s/ Thomas R. Cangemi          Westbury, New York         February 11, 2005
-----------------------      -----------------------     ----------------------
    [Signature]                   [City, State]                 [Date]

Report Type (Check only one.):

[ ]  13F HOLDING REPORT. (Check here if all holdings of this reporting manager
     are reported in this report.)

[X]  13F NOTICE. (Check here if no holdings reported are in this report, and
     all holdings are reported by other reporting manager(s).)

[ ]  13F COMBINATION REPORT. (Check here if a portion of the holdings for this
     reporting manager are reported in this report and a portion are reported
     by other reporting manager(s).)

List of Other Managers Reporting for this Manager:

Form 13F File Number 28-01221

Name:  Peter B. Cannell & Co., Inc.

Form 13F File Number 28-10207

Name:  New York Community Bank