SCHEDULE 14A
                                 (Rule 14a-101)
                     INFORMATION REQUIRED IN PROXY STATEMENT

                            SCHEDULE 14A INFORMATION
           Proxy Statement Pursuant to Section 14(a) of the Securities
                  Exchange Act of 1934 (Amendment No. _______)

Filed by the registrant [X]
Filed by a party other than the registrant [  ]

Check the appropriate box:
[ ] Preliminary Proxy Statement    [ ]  Confidential, for use of the Commission
[ ] Definitive Proxy Statement          Only (as permitted by Rule 14a 6(e)(2))
[X] Definitive Additional Materials
[ ] Soliciting Material pursuant to ss.240.14a-11(c) or ss.240.14a-12

                          Synergy Financial Group, Inc.
                          -----------------------------
                (Name of Registrant as Specified in Its Charter)


    ------------------------------------------------------------------------
    (Name of Person(s) Filing Proxy Statement, if other than the Registrant)

Payment of filing fee (Check the appropriate box):
  [X] No fee required
  [ ] Fee computed on table below per Exchange Act Rules 14a-6(i)(1) and 0-11.

         (1) Title of each class of securities to which transaction applies:
- --------------------------------------------------------------------------------

         (2) Aggregate number of securities to which transaction applies:
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         (3) Per unit price or other  underlying  value of transaction  computed
pursuant  to Exchange  Act Rule 0-11.  (set forth the amount on which the filing
fee is calculated and state how it was determined):
- --------------------------------------------------------------------------------

         (4) Proposed maximum aggregate value of transaction:
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         (5) Total fee paid:
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  [ ] Fee paid previously with preliminary materials.

  [ ] Check box if any part of the fee is offset as  provided  by  Exchange  Act
Rule  0-11(a)(2)  and identify the filing for which the  offsetting fee was paid
previously.  Identify the previous filing by registration  statement  number, or
the Form or Schedule and the date of its filing.

         (1) Amount previously paid:
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         (2) Form, Schedule or Registration Statement No.:
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         (3) Filing Party:
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         (4) Date Filed:
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Synergy Financial Group, Inc.
310 North Avenue East
P.O. Box 130
Cranford, NJ 07016-0130
(908) 272-3838

                                                                   July 29, 2004



Dear Fellow Stockholder:

We  recently  mailed to you  proxy  materials  in  connection  with the  Synergy
Financial Group, Inc. Annual Meeting of Stockholders that will be held on August
25, 2004. According to our records, we have not yet received your proxy card.

Regardless of the number of shares that you own, it is very  important that they
be represented at the meeting. I, therefore,  ask you to please take a moment to
VOTE your shares now by signing and returning your proxy
card.  (If your  shares  are held with a broker or a bank,  you can also vote by
telephone or via the Internet by following the enclosed instructions.) Our Board
of Directors unanimously recommends a vote "FOR" each matter to be considered.

If you have already  voted your shares,  please  accept our thanks and disregard
this reminder.


                                           Sincerely,


                                           /s/John S. Fiore
                                           -------------------------------------
                                           John S. Fiore
                                           President and
                                           Chief Executive Officer

Enclosures