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 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):

[ ]  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 January 26, 2006,  Provident  Financial  Services,  Inc. (the "Company")
issued a press release  reporting its financial results for the three months and
full year ended  December 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 January 26,  2005,  the Company  announced  that its Board of  Directors
declared a $0.09 per common  share  dividend,  payable on  February  28, 2006 to
stockholders of record on February 15, 2006.

     This  announcement  was  included as part of the press  release  announcing
financial  results  issued by the Company on January  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
               ---------------------------------

               (c)  Exhibits.

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

                99.1            Press release issued by the Company on January 
                                26, 2005 announcing its financial results for 
                                the three months and full year ended December 
                                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:  January 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 January 26, 2006 
                announcing its financial results for the three months and full 
                year ended December 31, 2006 and the declaration of a quarterly 
                cash dividend.