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


                                January 10, 2003
                ------------------------------------------------
                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
- -------  ------------

         On October 11, 2002, the Registrant entered into a definitive Agreement
and Plan of Merger with First Bank of Central Jersey ("First Bank").

         Pursuant to the merger  agreement,  total  consideration  paid to First
Bank's  shareholders will be approximately  $2.1 million.  Shareholders of First
Bank approved the merger agreement at a meeting of shareholders held on December
18, 2002. As previously  reported on December 30, 2002,  Synergy received notice
on December 27, 2002 that an order had been issued by the Superior  Court of New
Jersey,  Chancery  Division,  Middlesex  County,  to enjoin  the  closing of the
merger,  as a result  of a  complaint  filed  on  December  26,  2002 by John E.
Pellizzari  and Augusto  Verissimo,  stockholders  of First Bank. By order dated
January  9,  2003,  the  injunction  preventing  consummation  of the merger was
lifted, and the closing of the merger occurred on January 10, 2003. A hearing on
the merits of the  complaint  is  currently  scheduled  for  February  28, 2003.
Synergy believes that the plaintiffs' claims are without merit.

         A copy of a press release  issued January 10, 2003 by the Registrant is
attached hereto as Exhibit 99 and is incorporated herein by this reference.


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

         (c)      Exhibits.

                  99       Press Release dated January 10, 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, thereunto duly authorized.

                                       SYNERGY FINANCIAL GROUP, INC.


Date: January 11, 2003                 By: /s/John S. Fiore
                                           -------------------------------------
                                           John S. Fiore
                                           President and Chief Executive Officer