<page> UNITED STATES 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 March 31, 2004 Atlantic Liberty Financial Corp Delaware	 000-49967		16-1615014 State of incorporation 	 SEC File Number	IRS Employer I.D. 186 Montague Street, Brooklyn, New York 718-855-3555 <page> CURRENT REPORT ON FORM 8-K Item 1.			Changes in Control of Registrant Not Applicable Item 2.			Acquisition or Disposition of Assets Not Applicable Item 3.			Bankruptcy or Receivership 				Not Applicable Item 4.			Changes in Registrants Certifying Accountant Not Applicable Item 5.			Other Events Not Applicable Item 6.			Resignations of Registrants Directors Not Applicable Item 7.			Financial Statements and Exhibits (a) No financial statements of businesses acquired are required. (b) No pro forma financial information is required (c) Attached as an exhibit is Atlantic Liberty Financial Corps (the Company) news release announcing its March 31, 2004 quarterly earnings. <page> Item 8.			Change in Fiscal Year <page> Not Applicable Item 9.	Regulation FD Disclosure- Information provided pursuant to Item 12 The Company announced its March 31, 2004 financial results by release. The press release in included as an exhibit. <page> SIGNATURE 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. 				Atlantic Liberty Financial Corp. Date: April 23, 2004 		 By: /s/Barry M. Donohue 		 	 Barry M. Donohue 			 President and Chief Executive Officer