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): April 14, 2004 BCB Bancorp, Inc. ------------------------------------------------------ (Exact name of registrant as specified in its charter) New Jersey 0-50275 26-0065262 ---------------------------- ----------------- ------------------- (State or other jurisdiction (SEC File Number) (I.R.S. Employer of incorporation) Identification No.) 104-110 Avenue C, Bayonne, New Jersey 07002 ------------------------------------------- (Address of principal executive offices) Registrant's telephone number, including area code: (201) 823-0700 Not Applicable ------------------------------------------------------------------------- (Former name or former address, if changed since last report) CURRENT REPORT ON FORM 8-K -------------------------- Item 7. Exhibits Exhibit 99.1 Earnings release for the quarter ended March 31, 2004, dated April 13, 2004, is included as Exhibit 99. Item 12. Results of Operations and Financial Condition The Company announced its March 31, 2004 financial results by release. The press release is included as Exhibit 99.1. 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. BCB Bancorp, Inc. DATE: April 14, 2004 By: /s/ Donald Mindiak ------------------------------------- Donald Mindiak President and Chief Executive Officer