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 26, 2005
             ------------------------------------------------------
                Date of Report (Date of earliest event reported)


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


        New Jersey                       0-50467               52-2413926
- ----------------------------          -------------      ----------------------
(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)


         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:

     |_|  Written communications pursuant to Rule 425 under the Securities Act

     |_|  Soliciting material pursuant to Rule 14a-12 under the Exchange Act

     |_|  Pre-commencement  communications  pursuant to Rule 14d-2(b)  under the
          Exchange Act

     |_|  Pre-commencement  communications  pursuant to Rule 13e-4(c)  under the
          Exchange Act



                          SYNERGY FINANCIAL GROUP, INC.

                      INFORMATION TO BE INCLUDED IN REPORT
                      ------------------------------------


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


         On October 26, 2005,  the  Registrant  issued a press release to report
earnings for the quarter  ended  September 30, 2005. A copy of the press release
is furnished with this Form 8-K as exhibit 99.


Item 9.01  Financial Statements, Pro Forma Financial Information and Exhibits
           ------------------------------------------------------------------


     Exhibit
     Number                     Description
     ------                     -----------
       99       Press Release dated October 26, 2005





                                   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: November 14, 2005                   By:      /s/A. Richard Abrahamian
                                                   -----------------------------
                                                   A. Richard Abrahamian
                                                   Senior Vice President
                                                   and Chief Financial Officer