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): July 17, 2003

                       PROVIDENT FINANCIAL SERVICES, INC.
             (Exact name of registrant as specified in its charter)

          Delaware                      1-31566                  42-1547151
(State or other jurisdiction      (Commission File No.)        (IRS 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)







Item 7.  Financial Statements and Exhibits.

(a)  Not Applicable.

(b)  Not Applicable.

(c)  Exhibits.

          Exhibit No.                        Description

             99                           Press release dated July 17, 2003

Item 9.  Regulation FD Disclosure.

         The following information is furnished pursuant to this Item 9 and in
satisfaction of Item 12, "Disclosure of Results of Operations and Financial
Condition."

         On July 17, 2003, Provident Financial Services, Inc. announced its
earnings for the quarter ended June 30, 2003. A copy of the press release
dated July 17, 2003, detailing earnings for this period is attached as Exhibit
99 to this report.






                                            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:  July 17, 2003                      By: /s/ Paul M. Pantozzi
                                              ----------------------------------
                                              Paul M. Pantozzi
                                              Chairman, Chief Executive Officer
                                              and President