SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                    FORM 8-K

                                 CURRENT REPORT

                       Pursuant to Section 13 or 15(d) of
                       the Securities Exchange Act of 1934



                Date of Report (Date of earliest event reported)
                                 April 27, 1999





                           LITTLE FALLS BANCORP, INC.
             ------------------------------------------------------             
             (Exact name of Registrant as specified in its Charter)



        New Jersey                     0-27010                  22-3402073 
- -----------------------------       --------------            ------------------
(State or other jurisdiction        (SEC File No.)            (IRS Employer
     of incorporation)                                        Identification
                                                                 Number)


86 Main Street, Little Falls, New Jersey                 07424   
- -----------------------------------------             ---------------           
(Address of principal executive offices)               (Zip Code)




Registrant's telephone number, including area code: (973) 256-6100 
                                                    --------------



                                 Not Applicable
- --------------------------------------------------------------------------------
          (Former name or former address, if changed since last Report)









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



Item 5.  Other Events
         ------------

         A copy of a press  release  issued April 30, 1999 by the  Registrant is
attached  hereto as Exhibit 99 and is  incorporated  herein by  reference in its
entirety.

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


Exhibit 99 -- Press release concerning  shareholder  approval and exchange ratio
dated April 30, 1999.





                                   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, hereunto duly authorized.


                                       LITTLE FALLS BANCORP, INC.


Date:     May 3, 1999          By:  /s/Richard Capone
                                   ---------------------------------------------
                                       Richard Capone
                                       Chief Financial Officer