<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, 2005

Atlantic Liberty Financial Corp

Delaware			    000-49967	  16-1615014
State of incorporation 	        SEC File Number	  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 Registrant's Certifying Accountant
        Not Applicable

Item 5.			Other Events
        Not Applicable

Item 6.			Resignations of Registrant's 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 Corp's (the "Company")
        news release announcing its
        March  31, 2005 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, 2005 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 25, 2005 		By: /s/Barry M. Donohue
		             	Barry M. Donohue
			        President and Chief Executive Officer