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 23, 2008
                                                         ----------------

                       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 October 23, 2008,  Provident  Financial  Services,  Inc. (the "Company")
issued a press release  reporting its financial results for the three months and
nine months ended September 30, 2008. 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 23,  2008,  the Company  announced  that its Board of  Directors
declared  a  quarterly  cash  dividend  of $0.11 per  common  share,  payable on
November 28, 2008 to stockholders of record on November 14, 2008.

     This  announcement  was  included as part of the press  release  announcing
financial results for the quarter ended September 30, 2008 issued by the Company
on October 23, 2008 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 23, 2008 announcing its financial results
                              for the three months and nine months ended
                              September 30, 2008 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 23, 2008               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 23, 2008
                  announcing its financial results for the three months and nine
                  months ended September 30, 2008 and the declaration of a
                  quarterly cash dividend.