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 20, 2005
                                                          --------------

                        NEW YORK COMMUNITY BANCORP, INC.
                        --------------------------------
             (Exact name of registrant as specified in its charter)


          Delaware                       0-31565                 06-1377322
--------------------------------- ------------------------  --------------------
 (State or other jurisdiction      Commission File Number     (I.R.S. Employer
of incorporation or organization)                            Identification No.)


                  615 Merrick Avenue, Westbury, New York 11590
                  --------------------------------------------
                    (Address of principal executive offices)


       Registrant's telephone number, including area code: (516) 683-4100
                                                           ---------------     

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


Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions:

[ ] Written communications pursuant to Rule 425 under the Securities Act (17
    CFR 230.425)

[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17
    CFR 240.14a-12)

[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the
    Exchange Act (17 CFR 240.14d-2(b))

[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the
    Exchange Act (17 CFR 240.13e-4(c))




                           CURRENT REPORT ON FORM 8-K
                           --------------------------     


ITEM 2.02 Results of Operations and Financial Condition
          ---------------------------------------------
 
          On April 20, 2005, New York Community Bancorp, Inc. (the "Company")
          issued a press release reporting its earnings for the three months
          ended March 31, 2005. A copy of the press release is attached as
          Exhibit 99.1 to this report.

ITEM 7.01 Regulation FD Disclosure
          ------------------------

          On April 20, 2005, the Company announced that its Board of Directors
          declared a $0.25 per share dividend, payable on May 17, 2005 to
          shareholders of record at May 2, 2005. The announcement was included
          as part of the earnings release issued by the Company on April 20th
          and is incorporated into this Item 7.01 by reference to Exhibit 99.1
          (but only with respect to the information contained in Exhibit 99.1
          regarding the announcement of the dividend declaration, and not with
          respect to any information furnished under Item 2.02 of this Form
          8-K.)

ITEM 9.01 Financial Statements and Exhibits
          ---------------------------------

     (c)  Attached as Exhibit 99.1 is a press release issued by the Company on
          April 20, 2005 announcing its earnings for the three months ended
          March 31, 2005 and the declaration of a quarterly cash dividend.




                                    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.


 April 20, 2005                            NEW YORK COMMUNITY BANCORP, INC.
----------------
      Date
                                           /s/ Joseph R. Ficalora     
                                           -------------------------------------
                                           Joseph R. Ficalora
                                           President and Chief Executive Officer




                                  EXHIBIT INDEX
                                  -------------      


99.1     Press release issued on April 20, 2005.