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