Washington, D.C. 20552

                                    FORM 8-K

                                 CURRENT REPORT

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

                                 August 10, 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 2.02     Results of Operations and Financial Condition

         On August 10, 2005,  the  Registrant  issued a press  release to report
earnings  for the  quarter  and year  ended June 30,  2005.  A copy of the press
release is furnished with this Form 8-K as exhibit 99.

Item 9.01     Financial Statements, Pro Forma Financial Information and Exhibits

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

       99       Press Release dated August 10, 2005


         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: August 10, 2005                      By:      /s/Craig Montanaro
                                                    Craig Montanaro
                                                    Senior Vice President