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 29, 2004


                           MONMOUTH COMMUNITY BANCORP
- --------------------------------------------------------------------------------
               (Exact name of registrant as specified in charter)


          New Jersey                      0-27428               22-3757709
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(State or other jurisdiction of        (Commission            (IRS Employer
        incorporation)                  File Number)         Identification No.)

627 Second Avenue, Long Branch, New Jersey                              07740
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(Address of principal executive offices)                              (Zip Code)

       Registrant's telephone number, including area code: (732) 571-1300


                                 Not Applicable
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          (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 the
                        Three-Month Period Ended March 31, 2004

Item 12.      Results of Operations and Financial Condition.
              ---------------------------------------------

     On April 29, 2004, Monmouth Community Bancorp issued a press release
announcing its consolidated financial results for the three-month period ended
March 31, 2004. 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:  April 30, 2004










                                  EXHIBIT INDEX


Exhibit
Number      Description
- ------      -----------

99.1        Press Release Re: Consolidated Financial Results for the Three-Month
            Period Ended March 31, 2004