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) - September 24, 2003 ------------------ Commission file number 0-24040 PENNFED FINANCIAL SERVICES, INC. - -------------------------------------------------------------------------------- (Exact name of Registrant as specified in its charter) Delaware 22-3297339 - ---------------------------------- --------------------------- (State or other jurisdiction of (I.R.S. Employer incorporation or organization) Identification Number) 622 Eagle Rock Avenue, West Orange, New Jersey 07052-2989 - -------------------------------------------------------------------------------- (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (973) 669-7366 ------------------------ Item 5. Other Events On September 24, 2003, PennFed Financial Services, Inc. (the Company) issued the press release attached hereto as Exhibit 99.1 advising of the suspension of dividends by the Federal Home Loan Bank of New York. The foregoing information does not purport to be complete and is qualified in its entirety by reference to the Exhibits to this Report. Item 7. Financial Statements and Exhibits (c) Exhibits Regulation S-K Exhibit Number Document ----------- ------------------- 99.1 Press Release dated September 24, 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 thereunto duly authorized. PENNFED FINANCIAL SERVICES, INC. Date: September 25, 2003 By: /s/ Joseph L. LaMonica ----------------------------- Joseph L. LaMonica President and Chief Executive Officer