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                       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 5.     Other Events and Regulation FD Disclosure.

     On July 17, 2003,  Provident Financial Services,  Inc. declared a quarterly
dividend  of $0.05  per  share of  common  stock.  A copy of the  press  release
announcing this dividend is attached as Exhibit 99 to this 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







                                   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 18, 2003        By:  /s/ Paul M. Pantozzi
                                 -----------------------------------------------
                                 Paul M. Pantozzi
                                 Chairman, Chief Executive Officer and President