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 April 23, 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 7. Financial Statements, Pro Forma Financial Information and Exhibits ----------------------------------------------------- Exhibit Number Description ------- ----------- 99 Press Release dated April 23, 2003 Item 9. Regulation FD Disclosure ------------------------ Information under this Item 9 is being provided pursuant to Item 12 - Results of Operations and Financial Condition in accordance with Release No. 34-47583. On April 23, 2003, the Registrant issued a press release to report earnings for the quarter ended March 31, 2003. A copy of the press release is furnished with this Form 8-K as exhibit 99. 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: April 23, 2003 By: /s/ Ralph A. Fernandez ------------------------------------------ Ralph A. Fernandez Vice President and Chief Financial Officer