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): July 27, 2006
                                                           -------------

                       PROVIDENT FINANCIAL SERVICES, INC.
                       ----------------------------------
             (Exact Name of Registrant as Specified in its Charter)

    Delaware                          001-31566             42-1547151
-----------------------------        ----------------       ----------
(State or Other Jurisdiction)       (Commission File No.)   (I.R.S. 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)

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 (see General Instruction A.2. below):

[  ] 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))





Item 2.02     Results of Operation and Financial Condition.
              ---------------------------------------------

     On July 27, 2006, Provident Financial Services, Inc. (the "Company") issued
a press release  reporting  its  financial  results for the three months and six
months ended June 30,  2006. A copy of the press  release is attached as Exhibit
99.1 to this  report and is being  furnished  to the SEC and shall not be deemed
"filed" for any purpose.

Item 7.01     Regulation FD Disclosure.
              -------------------------

     On July 26, 2006,  the  Company's  Board of Directors  declared a $0.10 per
common share cash dividend, payable on August 31, 2006 to stockholders of record
on August 15, 2006,  which is consistent with the prior quarter's cash dividend.
In  addition,  the Board of  Directors  authorized  the  Company's  fifth  stock
repurchase  program  to  commence  upon  completion  of  the  Company's  current
repurchase program,  under which 1.6 million shares remain to be purchased.  The
new stock  repurchase  program  authorizes  the  repurchase of 5% of the current
outstanding  shares of common stock, par value $0.01 per share, or approximately
3.3 million shares.

     These  announcements  were included as part of the press release announcing
financial  results for the quarter  ended June 30, 2006 issued by the Company on
July 27, 2006 and attached as Exhibit  99.1 to this report.  A copy of the press
release is being  furnished  to the SEC and shall not be deemed  "filed" for any
purpose.

Item 9.01.    Financial Statements and Exhibits
              ---------------------------------

              (a) Financial Statements of Businesses Acquired. Not applicable.

              (b) Pro Forma Financial Information. Not applicable.

              (c) Shell Company Transactions. Not applicable.

              (d) Exhibits.

               Exhibit No.               Description
               -----------               -----------

                 99.1                   Press release  issued by the Company on
                                        July 27, 2006  announcing  its
                                        financial  results for the three months
                                        and six months ended June 30, 2006,
                                        the declaration  of a  quarterly  cash
                                        dividend  and the  authorization  of a
                                        stock repurchase program.






                                   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 27, 2006            By: /s/ Paul M. Pantozzi
                                    ------------------------
                                    Paul M. Pantozzi
                                    Chairman and Chief Executive Officer





                                  EXHIBIT INDEX


Exhibit           Description
-------           -----------

99.1              Press release issued by the Company on July 27, 2006
                  announcing its financial results for the three months and six
                  months ended June 30, 2006, the declaration of a quarterly
                  cash dividend and the authorization of a stock repurchase
                  program.