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): January 27, 2003 Provident Financial Services, Inc. (Exact name of registrant as specified in its charter) Delaware 1-31566 42-1547151 (State or other jurisdiction (Commission File No.) (IRS Employer of incorporation) Identification No.) Registrant's telephone number, including area code: (201) 333-1000 Not Applicable (Former name or former address, if changed since last report) Item 5. Other Events. On January 27, 2003, Provident Financial Services, Inc. issued a press release relating to its quarterly and year-end earnings. The press release is filed as Exhibit 99 to this report. Item 7. Financial Statements and Exhibits The following Exhibits are filed as part of this report: Exhibit No. Description 99 Press Release Issued by Provident Financial Services, Inc. on January 27, 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, hereunto duly authorized. PROVIDENT FINANCIAL SERVICES, INC. DATE: January 27, 2003 By: /s/ Paul M. Pantozzi --------------------------------- Paul M. Pantozzi Chairman, Chief Executive Officer and President