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): January 30, 2004
                                                         ----------------


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


        Delaware                     1-31565                    06-1377322
------------------------      ----------------------      ----------------------
    (State or other           Commission File Number         (I.R.S. Employer
    jurisdiction of                                         Identification No.)
    incorporation 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)



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

Item 1.           Changes in Control of Registrant
                  --------------------------------

                  Not applicable.

Item 2.           Acquisition or Disposition of Assets
                  ------------------------------------

                  Not applicable.

Item 3.           Bankruptcy or Receivership
                  --------------------------

                  Not applicable.

Item 4.           Changes in Registrant's Certifying Accountant
                  ---------------------------------------------

                  Not applicable.

Item 5.           Other Events and Regulation FD Disclosure
                  -----------------------------------------

                  Not applicable.

Item 6.           Resignations of Registrant's Directors
                  --------------------------------------

                  Not applicable.

Item 7.           Financial Statements and Exhibits
                  ---------------------------------

                  (a)    No  financial  statements  of  businesses  acquired are
                         required.

                  (b)    No pro forma financial information is required.

                  (c)    Attached as Exhibit 99.1 is a press  release  issued by
                         New York  Community  Bancorp,  Inc. (the  "Company") on
                         January  30,  2004 to announce  the  completion  of its
                         follow-on  offering  of  10,125,000  shares  of  common
                         stock.

Item 8.           Change in Fiscal Year
                  ---------------------

                  Not applicable.

Item 9.           Regulation FD Disclosure
                  ------------------------

                  On January 30, 2004, the Company issued a press release
                  announcing that its follow-on offering of 10,125,000 shares of
                  common stock had been completed, generating net proceeds of
                  approximately $400 million. The press release is attached as
                  Exhibit 99.1.

Item 10.          Amendments to the Registrant's Code of Ethics, or Waiver of a
                  --------------------------------------------------------------
                  Provision of the Code of Ethics
                  -------------------------------

                  Not applicable.



Item 11.          Temporary Suspension of Trading Under Registrant's Employee
                  --------------------------------------------------------------
                  Benefit Plans
                  -------------

                  Not applicable.

Item 12.          Results of Operations and Financial Condition
                  ---------------------------------------------

                  Not applicable.



                                    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.


                                           NEW YORK COMMUNITY BANCORP, INC.



Date: January 30, 2004                     /s/ Joseph R. Ficalora
      ----------------                     ----------------------
                                           Joseph R. Ficalora
                                           President and Chief Executive Officer



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

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

Exhibit 99.1                        Press release dated January 30, 2004.