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                                  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) April 28, 2006

                     NAUGATUCK VALLEY FINANCIAL CORPORATION
                     --------------------------------------
             (Exact Name of Registrant as Specified in Its Charter)

        United States                   0-50876              65-1233977
        -------------                   -------              ----------
(State or other jurisdiction of         (Commission         (IRS Employer
 incorporation or organization)         File Number)       Identification No.)


333 Church Street, Naugatuck, Connecticut                    06770
- --------------------------------------------                 -----
(Address of principal executive offices)                     (Zip Code)

                                 (203) 720-5000
                                 --------------
              (Registrant's telephone number, including area code)

                                 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:

[ ]  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))

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ITEM 8.01       OTHER EVENTS
                ------------

         On April 28, 2006, Naugatuck Valley Financial Corporation (the
"Company") issued a press release announcing the declaration of a cash dividend
for the quarter ended March 31, 2006, of $.05 per share to stockholders of
record on May 8, 2006 with a payment date on or around June 1, 2006. For more
information, reference is made to the Company's press release dated April 28,
2006, a copy of which is attached to this Report as Exhibit 99.1 and is
furnished herewith.



ITEM  9.01      FINANCIAL STATEMENTS AND EXHIBITS
                ---------------------------------

     (d)     The following exhibit is filed herewith:


             Exhibit 99.1       Press Release dated April 28, 2006






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                                   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 thereunto duly authorized.


                                    NAUGATUCK VALLEY FINANCIAL CORPORATION




Date: May 1, 2006                   By: /s/ John C. Roman
                                        ----------------------------------------
                                        John C. Roman
                                        President and Chief Executive Officer