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) - July 14, 2004
                                                           -------------


                         Commission file number 0-24040


                        PENNFED FINANCIAL SERVICES, INC.
        ---------------------------------------------------------------
             (Exact name of Registrant as specified in its charter)


             Maryland                                              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 July 14, 2004, PennFed Financial Services, Inc. (the Company) issued the
press release attached hereto as Exhibit 99.1 announcing the date, time and
location of the Annual Meeting of Stockholders.

     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
                                                     July 14, 2004







                                   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: July 14, 2004                             By:  /s/ Joseph L. LaMonica
                                                    ----------------------------
                                                      Joseph L. LaMonica
                                                      President and Chief
                                                      Executive Officer