Ownership Submission
FORM 3
 UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940
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(Print or Type Responses)
1. Name and Address of Reporting Person *
  CARPENTER JAMES J
 2. Date of Event Requiring Statement (Month/Day/Year)
02/01/2005		 3. Issuer Name and Ticker or Trading Symbol
NEW YORK COMMUNITY BANCORP INC [NYB]
(Last)
(First)
(Middle)
615 MERRICK AVENUE		 4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
_____ Director _____ 10% Owner
__X__ Officer (give title below) _____ Other (specify below)
EVP & Chief Lending Officer
 5. If Amendment, Date Original Filed(Month/Day/Year)
(Street)

WESTBURY, NY 11590		 6. Individual or Joint/Group Filing(Check Applicable Line)
_X_ Form filed by One Reporting Person
___ Form filed by More than One Reporting Person
(City)
(State)
(Zip)
Table I - Non-Derivative Securities Beneficially Owned
1.Title of Security
(Instr. 4)		 2. Amount of Securities Beneficially Owned
(Instr. 4)		 3. Ownership Form: Direct (D) or Indirect (I)
(Instr. 5)		 4. Nature of Indirect Beneficial Ownership
(Instr. 5)
Common Stock 3,537
I
By 401(k)
Common Stock 18,678
I
By ESOP
Common Stock 16,166
I
By IRA

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly. SEC 1473 (7-02)
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Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security
(Instr. 4)		 2. Date Exercisable and Expiration Date
(Month/Day/Year)		 3. Title and Amount of Securities Underlying Derivative Security
(Instr. 4)		 4. Conversion or Exercise Price of Derivative Security 5. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 5)		 6. Nature of Indirect Beneficial Ownership
(Instr. 5)
Date Exercisable Expiration Date Title Amount or Number of Shares
Stock Option (right to buy) 01/18/2004(1) 01/18/2011 Common Stock 11,564 $ 8.6475 D  
Stock Option (right to buy) 12/21/2003(2) 12/21/2011 Common Stock 19,844 $ 12.5025 D  
Stock Option (right to buy) 07/24/2004(3) 07/24/2012 Common Stock 35,556 $ 13.845 D  
Stock Option (right to buy) 01/21/2004(4) 01/21/2013 Common Stock 21,333 $ 16.0575 D  
Stock Option (right to buy) 09/16/2004(5) 09/16/2013 Common Stock 20,000 $ 23.4975 D  

Reporting Owners

Reporting Owner Name / Address Relationships
Director 10% Owner Officer Other
CARPENTER JAMES J
615 MERRICK AVENUE
WESTBURY, NY 11590		       EVP & Chief Lending Officer  

Signatures

By: /s/ Ilene A. Angarola, Power of Attorney 02/11/2005
**Signature of Reporting Person Date

Explanation of Responses:

* If the form is filed by more than one reporting person, see Instruction 5(b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(1) Stock Options granted pursuant to the 1996 Haven Stock Option Plan are fully vested and exercisable as of January 18, 2004.
(2) Stock Options granted pursuant to the New York Community Bancorp, Inc. 1997 Stock Option Plan are fully vested and exercisable as of December 21, 2004.
(3) Stock Options granted pursuant to the New York Community Bancorp, Inc. 1997 Stock Option Plan that vest in two equal annual installments beginning on July 24, 2004.
(4) Stock Options granted pursuant to the New York Community Bancorp, Inc. 1997 Stock Option Plan that vest in three equal annual installments beginning on January 21, 2004.
(5) Stock Options granted pursuant to the 1993 Haven Stock Option Plan that vest in three equal annual installments beginning on September 16, 2004.

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