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): April 27, 2005
                                                          --------------

                       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):

[ ]  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 Operations and Financial Condition.
                ---------------------------------------------

     On April 27, 2005,  Provident  Financial  Services,  Inc.  (the  "Company")
issued a press  release  reporting  its  financial  results for the three months
ended March 31, 2005. 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 April 27,  2005,  the  Company  announced  that its  Board of  Directors
declared a $0.08 per share dividend,  payable on May 31, 2005 to stockholders of
record on May 13,  2005,  which  represents  an increase of 14.3% from the prior
quarter's cash dividend.

     This  announcement  was  included as part of the press  release  announcing
financial  results  issued by the  Company  on April 27,  2005 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
                ---------------------------------

               (c)  Exhibits.

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

                   99.1         Press release issued by the Company on April 27,
                                2005  announcing  its  financial results for the
                                three  months  ended  March  31,  2005  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:  April 27, 2005                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 April 27, 2005 announcing
                its financial results for the three months  ended March 31, 2005
                and the declaration of a quarterly cash dividend.