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): July 24, 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 July 24, 2008, Provident Financial Services,  Inc. (the "Company")
issued a press release  reporting its financial results for the three months and
six months  ended June 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 July 24, 2008,  the Company  announced that its Board of Directors
declared a quarterly cash dividend of $0.11 per common share,  payable on August
29, 2008 to stockholders of record on August 15, 2008.

           This   announcement  was  included  as  part  of  the  press  release
announcing  financial  results for the quarter ended June 30, 2008 issued by the
Company on July 24, 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 July 24,
                                 2008 announcing its financial results for the
                                 three months and six months ended June 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:  July 24, 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 July 24, 2008
                  announcing its financial results for the three months
                  and six months ended June 30, 2008 and the declaration
                  of a quarterly cash dividend.