SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20552


                                    FORM 8-K

                                 CURRENT REPORT

                       Pursuant to Section 13 or 15(d) of
                       the Securities Exchange Act of 1934


                                October 11, 2002
                ------------------------------------------------
                Date of Report (Date of earliest event reported)




                          Synergy Financial Group, Inc.
             ------------------------------------------------------
             (Exact name of Registrant as specified in its Charter)


        United States                   0- 49980                22-3798677
- ----------------------------         --------------       ----------------------
(State or other jurisdiction          (File No.)          (IRS Employer
     of incorporation)                                    Identification Number)


310 North Avenue East, Cranford, New Jersey                              07016
- ----------------------------------------------                        ----------
(Address of principal executive offices)                              (Zip Code)


Registrant's telephone number, including area code:  (800) 693-3838
                                                     --------------


                                 Not Applicable
           -----------------------------------------------------------
          (Former name or former address, if changed since last Report)






                          Synergy Financial Group, Inc.

                      INFORMATION TO BE INCLUDED IN REPORT


Item 5.    Other Events
- -------    ------------

     Reference is made to the press  release  dated  October 11, 2002,  which is
attached hereto as Exhibit 99 and incorporated herein by this reference.


Item 7.   Financial Statements, Pro Forma Financial
          Information and Exhibits
          -----------------------------------------

          (c)   Exhibits.

                99  Press Release dated October 11, 2002.






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                                   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.



                                           SYNERGY FINANCIAL GROUP, INC.



Date: October 11, 2002                By:  /s/ John S. Fiore
      ----------------                     -------------------------------------
                                           John S. Fiore
                                           President and Chief Executive Officer




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