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 18, 2006
           ----------------------------------------------------------
                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
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(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
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         On January 18, 2006,  the  Registrant  issued a press release to report
earnings for the quarter ended December 31, 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
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    Exhibit
     Number         Description
     ------         -----------
      99      Press Release dated January 18, 2006



                                   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 18, 2006             By:      /s/ Kevin A. Wenthen
                                            ------------------------------------
                                            Kevin A. Wenthen
                                            Senior Vice President
                                            and Chief Administrative Officer
                                            (Duly Authorized Representative)