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 29, 2003

                       PROVIDENT FINANCIAL SERVICES, INC.
             (Exact name of registrant as specified in its charter)

          Delaware                       1-31566                  42-1547151
----------------------------      ---------------------      -------------------
(State or other jurisdiction      (Commission File No.)         (IRS Employer
      of incorporation)                                      Identification No.)



830 Bergen Avenue, Jersey City, New Jersey                        07306-4599
------------------------------------------                   -------------------
(Address of principal executive offices)                          (Zip Code)


Registrant's telephone number, including area code:  (201) 333-1000


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







Item 7.     Financial Statements and Exhibits.

(a)  Not Applicable.

(b)  Not Applicable.

(c)  Exhibits.

            Exhibit No.                 Description
            -----------                 -----------
                99                      Press release dated April 29, 2003

Item 9.     Regulation FD Disclosure.

     The  following  information  is  furnished  pursuant  to this Item 9 and in
satisfaction  of Item 12,  "Disclosure  of Results of  Operations  and Financial
Condition."

     On April 29, 2003,  Provident  Financial  Services,  Inc. announced (1) its
operating  results for the first  quarter of 2003 and (2) the  declaration  of a
dividend. A copy of the press release dated April 29, 2003, describing operating
results  for the first  quarter of 2003 and the  declaration  of a  dividend  is
attached as Exhibit 99 to this report.







                                   SIGNATURES

     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.

                                         PROVIDENT FINANCIAL SERVICES, INC.



DATE:  April 29, 2003               By:  /s/ Paul M. Pantozzi
                                         ---------------------------------------
                                         Paul M. Pantozzi
                                         Chairman, Chief Executive Officer and
                                         President