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): July 9, 2004
                                  ------------

                       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
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 (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 5.         Other Events and Required FD Disclosure

     On July 9, 2004,  Provident  Financial  Services,  Inc. and First  Sentinel
Bancorp, Inc. issued a joint press release announcing the preliminary results of
elections  made  by  First  Sentinel  stockholders  as to  the  form  of  merger
consideration  to be received in the pending  merger of First  Sentinel with and
into Provident.  The joint press release also announced the preliminary  results
of the allocation  and proration  procedures set forth in the Agreement and Plan
of Merger.  A copy of the joint  press  release,  dated as of July 9,  2004,  is
attached hereto as Exhibit 99.1.


Item 7.         Financial Statements and Exhibits

     (a)  Not Applicable.

     (b)  Not Applicable.

     (c)  Exhibits.

                Exhibit No.             Description
                -----------             -----------
                   99.1                 Joint press release dated July 9, 2004




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                                   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:  July 9, 2004          By  /s/Paul M. Pantozzi
                                 ----------------------------------
                                 Paul M. Pantozzi
                                 Chairman, Chief Executive Officer and President




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                                  EXHIBIT INDEX


Exhibit         Description
-------         -----------
99.1            Joint press release dated July 9, 2004.












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