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 25, 2007

                       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 April 25, 2007,  Provident  Financial  Services,  Inc. (the
"Company") issued a press release reporting its financial results for the three
months ended March 31, 2007. 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 April 25, 2007, the Company announced that its Board of
Directors declared a $0.10 per share cash dividend, payable on May 31, 2007 to
stockholders of record on May 15, 2007.

                This announcement was included as part of the press release
announcing financial results for the quarter ended March 31, 2007 issued by the
Company on April 25, 2007 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
                                        April 25, 2007 announcing its financial
                                        results for the three months ended March
                                        31, 2007 and the declaration of a
                                        quarterly cash dividend.





                                   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 25, 2007                     By: /s/ Paul M. Pantozzi
                                              -----------------------------
                                              Paul M. Pantozzi
                                              Chairman & Chief Executive Officer













EXHIBIT INDEX


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

99.1              Press release issued by the Company on April 25, 2007
                  announcing its financial results for the three months ended
                  March 31, 2007, and the declaration of a quarterly cash
                  dividend.