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): February 4, 2004 MONMOUTH COMMUNITY BANCORP - -------------------------------------------------------------------------------- (Exact name of registrant as specified in charter) New Jersey 0-27428 22-3757709 - -------------------------------------------------------------------------------- (State or other jurisdiction of (Commission (IRS Employer incorporation) File Number) Identification No.) 627 Second Avenue, Long Branch, New Jersey 07740 - -------------------------------------------------------------------------------- (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (732) 571-1300 Not Applicable - -------------------------------------------------------------------------------- (Former name or former address, if changed since last report) Item 7. Financial Statements and Exhibits. --------------------------------- (c) Exhibits: Exhibit Number Description ------ ----------- 99.1 Press Release Re: Consolidated Financial Results for Fourth Quarter and Year Ended December 31, 2003 Item 12. Results of Operations and Financial Condition. --------------------------------------------- On February 4, 2004, Monmouth Community Bancorp issued a press release announcing its consolidated financial results for its fourth quarter and year ended December 31, 2003. A copy of the press release is furnished as Exhibit 99.1 to this current report. The information furnished under Item 12 of this current report, including Exhibit 99.1 hereto, shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), nor shall it be deemed incorporated by reference in any document filed under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing. SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. MONMOUTH COMMUNITY BANCORP ---------------------------------------- (Registrant) By: /s/ James S. Vaccaro ------------------------------------- James S. Vaccaro Chairman and Chief Executive Officer Date: February 5, 2004 EXHIBIT INDEX Exhibit Number Description - ------ ----------- 99.1 Press Release Re: Consolidated Financial Results for Fourth Quarter and Year Ended December 31, 2003