FORM 4 Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 STATEMENT OF CHANGES IN 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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1. Name and Address of Reporting Person * PUORRO MICHAEL P   2. Issuer Name and Ticker or Trading Symbol NEW YORK COMMUNITY BANCORP INC [NYB] 5. Relationship of Reporting Person(s) to Issuer (Check all applicable) _____ Director _____ 10% Owner __X__ Officer (give title below) _____ Other (specify below) Executive VP and CFO (Last) (First) (Middle) 615 MERRICK AVENUE 3. Date of Earliest Transaction (Month/Day/Year) 11/23/2004 (Street) WESTBURY, NY 11590 4. If Amendment, Date Original Filed(Month/Day/Year) 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 Acquired, Disposed of, or Beneficially Owned

1.Title of Security (Instr. 3) 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4) Code V Amount (A) or (D) Price Common Stock 12/01/2004   J(1) V 8,909 A $ 0 199,773 D   Common Stock 12/01/2004   J(1) V 1,166 A $ 0 200,939 D   Common Stock 11/23/2004   J(2) V 116 A $ 19.44 9,197 I By 401(k) (3) Common Stock 12/01/2004   J(1) V 8,909 D $ 0 26,728 I By Stock Award III Common Stock 12/01/2004   J(1) V 1,166 D $ 0 3,500 I By Stock Award IV Common Stock               19,975 I By BRP Common Stock               149 I By Child Common Stock               41,940 I By ESOP

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Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)

1. Title of Derivative Security (Instr. 3)

2. Conversion or Exercise Price of Derivative Security

3. Transaction Date (Month/Day/Year)

3A. Deemed Execution Date, if any (Month/Day/Year)

4. Transaction Code (Instr. 8)

5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4, and 5)

6. Date Exercisable and Expiration Date (Month/Day/Year)

7. Title and Amount of Underlying Securities (Instr. 3 and 4)

8. Price of Derivative Security (Instr. 5)

9. Number of Derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)

10. Ownership Form of Derivative Security: Direct (D) or Indirect (I) (Instr. 4)

11. Nature of Indirect Beneficial Ownership (Instr. 4)

Code

V

(A)

(D)

Date Exercisable

Expiration Date

Title

Amount or Number of Shares

Stock Option (right to buy)

$ 15

09/02/1998(4)

09/02/2007

Common Stock

179,668

179,668

D

Stock Option (right to buy)

$ 18.4

06/26/2002(5)

06/26/2011

Common Stock

195,812

195,812

D

Stock Option (right to buy)

$ 21.35

06/25/2003(6)

06/25/2012

Common Stock

24,635

24,635

D

Reporting Owners

Reporting Owner Name / Address	Relationships
	Director	10% Owner	Officer	Other
PUORRO MICHAEL P 615 MERRICK AVENUE WESTBURY, NY 11590			Executive VP and CFO

Signatures

/s/ Puorro, Michael P.		12/01/2004
**Signature of Reporting Person		Date

Explanation of Responses:

*	If the form is filed by more than one reporting person, see Instruction 4(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)	Since the reporting person's last report 8,909 shares and 1,166 shares previously held by Stock Award III and Stock Award IV, respectively, have vested and are now owned directly. No shares of New York Community Bancorp, Inc. were sold to meet the tax liability resulting from the vesting of these stock awards.
(2)	This form reflects an increase in beneficial ownership resulting from dividend reinvestment pursuant to Rule 16a-11.
(3)	Previously reported in prior reports as NYCB 401(k).
(4)	Options granted pursuant to the Roslyn Bancorp, Inc. 1997 Stock-Based Incentive Plan were fully vested and exercisable as of September 2, 2002.
(5)	Options granted under the Roslyn Bancorp, Inc. 1997 Stock-Based Incentive Plan, including 5,436 on June 26, 2005; 163,500 that vest in four equal annual installments beginning on June 26, 2002; and 26,876 that vest as follows: 10,379 on June 26, 2002; 5,499 on June 26, 2003, 2004 and 2005.
(6)	Options granted pursuant to the Roslyn Bancorp, Inc. 2001 Stock-Based Incentive Plan that vest in three equal annual installments beginning on June 25, 2003.

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