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 26, 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 July 26, 2007, Provident Financial Services, Inc. (the "Company") issued
a press release  reporting  its  financial  results for the three months and six
months ended June 30,  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 July 25, 2007,  the  Company's  Board of Directors  declared a quarterly
cash  dividend  of $0.11  per  common  share,  payable  on  August  31,  2007 to
stockholders of record on August 15, 2007, which represents an increase of 10.0%
from the prior  quarter's  cash  dividend of $0.10 per share.  In addition,  the
Board of Directors  authorized the Company's sixth stock repurchase program. The
new  stock  repurchase  program  authorizes  the  repurchase  of up to 5% of the
current  outstanding  shares of common  stock,  par value  $0.01 per  share,  or
approximately  3.2 million  shares.  The Company has  completed  its fifth stock
repurchase program.

     These  announcements  were included as part of the press release announcing
financial  results for the quarter  ended June 30, 2007 issued by the Company on
July 26, 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 July  26,
                        2007 announcing  its financial  results for the three
                        months and six months ended June 30, 2007, 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 26, 2007                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 26, 2007
                       announcing its financial results for the three
                       months and six months ended June 30, 2007, the
                       declaration of a quarterly cash dividend and the
                       authorization of a stock repurchase program.