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 20, 2005




                    INTERCHANGE FINANCIAL SERVICES CORPORATION
             (Exact name of registrant as specified in its charter)



           New Jersey                   1-10518             22-2553159
_______________________________  _______________________  ___________________
(State or other jurisdiction of  (Commission File Number) (I.R.S. Employer
 incorporation or organization)                           Identification No.)


Park 80 West/Plaza Two, Saddle Brook, N.J.                     07663
__________________________________________                  ___________
(Address of principal executive offices)                     (Zip Code)


       Registrant's telephone number, including area code: (201) 703-2265


                               Not Applicable
  -------------------------------------------------------------------------
       (Former name or former address, if changed since last report.)



Item 7. Exhibits

        (c)  Exhibits.

             99.1 Press Release dated January 19, 2005 of the Registrant.

Item 12. Declaration of Cash Dividend.

On January 19, 2005, Interchange Financial Services Corporation issued a press
release declaring a 3-for-2 stock split and a quarterly cash dividend. A copy
of that release is furnished as Exhibit 99.1 to this Report.

The  information in this Current Report on Form 8-K is being  furnished and
shall not be  deemed  "filed"  for  purposes  of  Section  18 of the  Securities
Exchange Act of 1934, as amended,  or otherwise  subject to the  liabilities  of
that Section.  The  information in this Current Report shall not be incorporated
by reference into any registration  statement or other document  pursuant to the
Securities Act of 1933, as amended.



                             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.

Dated: January 20, 2005          Interchange Financial Services Corporation

                                  By: /s/ Charles T. Field
                                  ------------------------------------
                                  Name: Charles T. Field
                                  Title: SVP & Chief Financial Officer




                            EXHIBIT INDEX


EXHIBT NUMBER      DESCRIPTION
_____________      ___________
99.1               Press Release, dated January 19, 2005, of the Registrant