Washington, D.C. 20552

                                    FORM 8-K

                                 CURRENT REPORT

                       Pursuant to Section 13 or 15(d) of
                       the Securities Exchange Act of 1934

                                  April 1, 2005
                Date of Report (Date of earliest event reported)

                             Kearny Financial Corp.
             (Exact name of Registrant as specified in its Charter)

         United States                    0-51093           22-3803741        
-----------------------------           ----------    --------------------------
(State or other jurisdiction            (File No.)        (IRS Employer
 of incorporation)                                        Identification Number)

120 Passaic Avenue, Fairfield, New Jersey                      07004   
-----------------------------------------------             ------------
(Address of principal executive offices)                     (Zip Code)

Registrant's telephone number, including area code:   (973) 244-4500   

                                 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

|_|  Soliciting material pursuant to Rule 14a-12 under the Exchange Act

|_|  Pre-commencement   communications  pursuant  to  Rule  14d-2(b)  under  the
     Exchange Act

|_|  Pre-commencement   communications  pursuant  to  Rule  13e-4(c)  under  the
     Exchange Act

                             KEARNY FINANCIAL CORP.


Item 4.01 Change in Registrant's Certifying Accountant
         On April 1, 2005, Radics & Co., LLC ("Radics") merged with Beard Miller
Company LLP ("Beard  Miller")  to become the Pine  Brook,  New Jersey  office of
Beard Miller to become the Pine Brook,  New Jersey office of Beard Miller.  As a
result of the merger, on April 1, 2005, Radics resigned as independent  auditors
of the  Company.  On April 1, 2005,  the  Company  engaged  Beard  Miller as its
successor  independent audit firm. The Company's  engagement of Beard Miller was
approved by the Company's Audit Committee.

         The reports of Radics on the consolidated  financial  statements of the
Company as of and for the fiscal  years  ended June 30,  2004 and 2003,  did not
contain an adverse  opinion or  disclaimer  of opinion and were not qualified or
modified as to uncertainty, audit scope, or accounting principles.

         During the Company's  fiscal years ended June 30, 2004 and 2003, and in
connection with the audit of the Company's consolidated financial statements for
such periods,  and for the period from July 1, 2004 to April 1, 2005, there were
no  disagreements  between the  Company  and Radics on any matter of  accounting
principles  or  practices,   consolidated  financial  statement  disclosure,  or
auditing  scope or  procedure,  which,  if not resolved to the  satisfaction  of
Radics,  would have caused Radics to make reference to such matter in connection
with its audit reports on the Company's consolidated financial statements.

         The Company has provided Radics with a copy of the above disclosures in
response to Item 304(a) of Regulation S-K in conjunction with the filing of this
Form 8-K.  The Company  requested  that  Radics  deliver to the Company a letter
addressed to the Securities and Exchange  Commission  stating  whether it agrees
with the statements made by the Company in response to Item 304(a) of Regulation
S-K,  and if not,  stating  the  respects  in which it does not agree.  Radics's
letter is filed as Exhibit 16 hereto.

Item 9.01. Financial Statements, Pro Forma Financial Information and Exhibits

         Number        Description
         ------        -----------

          16        Letter of concurrence from Radics & Co., LLC regarding 
                    changes in certifying accountant


         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, thereunto duly authorized.

                                           KEARNY FINANCIAL CORP.

Date: April 1, 2005               By:      /s/John N. Hopkins                 
                                           John N. Hopkins
                                           President and Chief Executive Officer