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): June 7, 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                                        Identification No.)
     or organization)



                  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 8.01         Other Events
                  ------------

                  On June 7, 2005, New York Community Bancorp, Inc. (the
                  "Company") issued a news release announcing that its
                  application for the establishment of a limited-purpose
                  commercial bank was approved by the New York State
                  Banking Board, and that it received its first municipal
                  deposits in connection with the designation of one of its
                  Queens-based branches as a "Banking Development District
                  Branch" by the New York State Banking Department. The Company
                  also announced that the Bank received a $42.0 million
                  allocation under the U.S. Treasury Department's New Markets
                  Tax Credit Program.

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

                  (c) Attached as Exhibit 99.1 is the news release issued by the
                  Company on June 7, 2005.











                                    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.


     June 7, 2005                         NEW YORK COMMUNITY BANCORP, INC.
---------------------------
        Date
                                          /s/ Joseph R. Ficalora
                                         --------------------------------------
                                          Joseph R. Ficalora
                                          President and Chief Executive Officer







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


99.1     News release issued by the Company on June 7, 2005.