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 22, 2003
                                                         ----------------


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


          Delaware                   0-22278                 06-1377322
---------------------          ----------------------     ----------------------
(State or other jurisdiction   Commission File Number      (I.R.S. Employer
of incorporation or                                       Identification No.)
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
                  ------------

                  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 exhibits are the Company's earnings release
                         for the three and  twelve  months  ended  December  31,
                         2002,  in which the Company  also  provided its diluted
                         earnings  per share  estimates  for 2003;  and its news
                         release announcing the Board of Directors'  declaration
                         of a $0.25 per share dividend,  payable on February 15,
                         2003 to shareholders of record at February 3, 2003.

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

                  Not applicable.

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

                  On January 22, 2003, New York Community Bancorp, Inc. (the
                  "Company"), a Delaware Corporation, reported its earnings for
                  the three and twelve months ended December 31, 2002, and
                  provided its diluted earnings per share estimates for 2003. In
                  addition, the Company issued a news release announcing that
                  its Board of Directors had raised the quarterly cash dividend
                  25% to $0.25 per share. The dividend is payable on February
                  15, 2003 to shareholders of record at February 3, 2003.







                                    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.


January 22, 2003                            NEW YORK COMMUNITY BANCORP, INC.
-------------------------
          Date


                                           /s/ Joseph R. Ficalora
                                           -------------------------------------
                                           Joseph R. Ficalora
                                           President and Chief Executive Officer







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


99.1 Earnings  release for the three and twelve months ended  December 31, 2002,
     dated January 22, 2003,  which includes the Company's  diluted earnings per
     share estimates for 2003.

99.2 News release  dated  January 22, 2003  announcing  the Board of  Directors'
     declaration of a $0.25 per share dividend,  payable on February 15, 2003 to
     shareholders of record at February 3, 2003.