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): October 26, 2006
                                                         ----------------
                       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):

[X] 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 October 26, 2006,  Provident  Financial  Services,  Inc. (the "Company")
issued a press release  reporting its financial results for the three months and
nine months ended September 30, 2006. 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 October 25, 2006, the Company's Board of Directors  declared a $0.10 per
common  share cash  dividend,  payable on November 30, 2006 to  stockholders  of
record on November 15, 2006,  which is consistent  with the prior quarter's cash
dividend.

     This  announcement  was  included as part of the press  release  announcing
financial results for the quarter ended September 30, 2006 issued by the Company
on October 26, 2006 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
                              October 26, 2006 announcing its financial results
                              for the three months and nine months ended
                              September 30, 2006 and the declaration of a
                              quarterly cash dividend.






                                   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:  October 26, 2006               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  October  26,  2006
          announcing its financial  results for the three months and nine months
          ended  September  30, 2006 and the  declaration  of a  quarterly  cash
          dividend.