UNITED STATES
                     SECURITIES AND EXCHANGE COMMISSION
                           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): October 19, 2005
                                                       ----------------

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


          Delaware                        001-31565               06-1377322
------------------------------      ----------------------   -------------------
(State or other jurisdiction of     Commission File Number   (I.R.S. Employer
incorporation or organization)                               Identification No.)


                615 Merrick Avenue, Westbury, New York 11590
                --------------------------------------------
                  (Address of principal executive offices)


                               (516) 683-4100
                               --------------
            (Registrant's telephone number, including area code)

                               Not applicable
                               --------------
       (Former name or former address, if changed since last report)


Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions:

|X|  Written communications pursuant to Rule 425 under the Securities Act
     (17 CFR 230.425)

|_|  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17
     CFR 240.14a-12)

|_|  Pre-commencement communications pursuant to Rule 14d-2(b) under the
     Exchange Act (17 CFR 240.14d-2(b))

|_|  Pre-commencement communications pursuant to Rule 13e-4c under the
     Exchange Act (17 CFR 240.13e-4(c))





                         CURRENT REPORT ON FORM 8-K
                         --------------------------


ITEM 2.02:   Results of Operations and Financial Condition
             ---------------------------------------------

               On October 19, 2005, New York Community Bancorp, Inc. (the
               "Company") issued a press release reporting its earnings for
               the three and nine months ended September 30, 2005. A copy
               of the press release is attached as Exhibit 99.1 to this
               report.


ITEM 8.01:   OTHER EVENTS
             ------------

              The response to Item 2.02 is incorporated by reference into
              this Item 8.01.


ITEM 9.01:   Financial Statements and Exhibits
             ---------------------------------

          (c)  Attached as Exhibit 99.1 is a press release issued by the
               Company on October 19, 2005 reporting its earnings for the
               three and nine months ended September 30, 2005.





                                 SIGNATURE
                                 ---------


     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.

Date:  October 19, 2005               NEW YORK COMMUNITY BANCORP, INC.
       ----------------

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





                               EXHIBIT INDEX
                               -------------


Exhibit 99.1               Press release issued on October 19, 2005.