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): October 25, 2007
                                                         ----------------

                       PROVIDENT FINANCIAL SERVICES, INC.
                       ----------------------------------
             (Exact Name of Registrant as Specified in its Charter)

    Delaware                    001-31566                    42-1547151
- ------------------             ----------------              ----------
(State or Other Jurisdiction)  (Commission File No.)        (I.R.S. Employer
      of Incorporation)                                      Identification No.)


830 Bergen Avenue, Jersey City, New Jersey                   07306-4599
- ------------------------------------------                   ----------
(Address of Principal Executive Offices)                     (Zip Code)

Registrant's telephone number, including area code:  (201) 333-1000
                                                     --------------

                                 Not Applicable
                                 --------------
          (Former Name or Former Address, if Changed Since Last Report)

Check  the  appropriate  box  below  if the  Form  8-K  filing  is  intended  to
simultaneously  satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

[  ] Written communications  pursuant to Rule 425 under the Securities Act (17
     CFR 230.425)

[  ] Soliciting  material  pursuant to Rule 14a-12 under the Exchange Act (17
     CFR 240.14a-12)

[  ] Pre-commencement  communications  pursuant  to Rule  14d-2(b)  under the
     Exchange Act (17 CFR 240.14d-2(b))

[  ] Pre-commencement  communications  pursuant  to Rule  13e-4(c)  under the
     Exchange Act (17 CFR 240.13e-4(c))





Item 2.02  Results of Operations and Financial Condition.
           ----------------------------------------------

     On October 25, 2007,  Provident  Financial  Services,  Inc. (the "Company")
issued a press release  reporting its financial results for the three months and
nine months ended September 30, 2007. A copy of the press release is attached as
Exhibit  99.1 to this report and is being  furnished to the SEC and shall not be
deemed "filed" for any purpose.

Item 7.01  Regulation FD Disclosure.
           -------------------------

     On October 24, 2007, the Company's Board of Directors  declared a quarterly
cash  dividend  of $0.11 per common  share,  payable  on  November  30,  2007 to
stockholders of record on November 15, 2007. In addition, the Board of Directors
authorized  the  Company's  seventh  stock  repurchase  program.  The new  stock
repurchase  program  authorizes  the  repurchase  of up to  5%  of  the  current
outstanding  shares of common stock, par value $0.01 per share, or approximately
3.1 million shares.

     These  announcements  were included as part of the press release announcing
financial results for the quarter ended September 30, 2007 issued by the Company
on October 25, 2007 and attached as Exhibit  99.1 to this report.  A copy of the
press release is being  furnished to the SEC and shall not be deemed "filed" for
any purpose.

Item 9.01.  Financial Statements and Exhibits
            ---------------------------------

     (a) Financial Statements of Businesses Acquired. Not applicable.

     (b) Pro Forma Financial Information. Not applicable.

     (c) Shell Company Transactions. Not applicable.

     (d) Exhibits.

         Exhibit No.            Description
         ----------             -----------
          99.1                  Press release issued by the Company on
                                October 25, 2007 announcing its financial
                                results for the three months and nine months
                                ended September 30, 2007, the declaration of a
                                quarterly cash dividend and the authorization
                                of a stock repurchase program.






                                   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:  October 25, 2007                   By:  /s/ Paul M. Pantozzi
                                               ------------------------
                                               Paul M. Pantozzi
                                               Chairman and
                                               Chief Executive Officer





                                  EXHIBIT INDEX


Exhibit           Description
- -------           -----------

99.1              Press release issued by the Company on October 25, 2007
                  announcing its financial results for the three months and
                  nine months ended September 30, 2007, the declaration of a
                  quarterly cash dividend and the authorization of a stock
                  repurchase program.