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

                                November 1, 2005
                Date of Report (Date of earliest event reported)

                     PEAPACK-GLADSTONE FINANCIAL CORPORATION
             (Exact name of Registrant as Specified in its Charter)

                                   New Jersey
                 (State or Other Jurisdiction of Incorporation)

                              001-16197 22-3537895
           (Commission File Number) (IRS Employer Identification No.)

               158 Route 206, Peapack-Gladstone, New Jersey 07934
                    (Address of principal executive offices)

                                 (908) 234-0700
              (Registrant's telephone number, including area code)



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 
(17 CFR 230.425) 
[_] Soliciting material pursuant to Rule 14a-12 under the Exchange Act 
(17 CFR 240.14a-12) 
[_] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange
 Act (17 CFR 240.14d-2(b)) 
[_] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange
 Act (17 CFR 240.13e-4(c))





INFORMATION TO BE INCLUDED IN THE REPORT

Item 2.02      Results of Operations and Financial Condition.


On November 1, 2005, Peapack-Gladstone Financial Corporation (the "Corporation")
issued a press release  reporting  earnings and other financial  results for its
third  quarter of 2005,  which ended  September  30,  2005.  A copy of the press
release is attached to this  Current  Report on Form 8-K as Exhibit  99.1 and is
incorporated by reference in its entirety.


The information disclosed under this Item 2.02, including Exhibit 99.1, shall be
considered  "furnished" but not "filed" for purposes of the Securities  Exchange
Act of 1934, as amended.

Item 9.01      Financial Statements and Exhibits.

      (c) Exhibit.

               Exhibit No.        Title
               ----------         -----

               99.1               Press Release dated November 1, 2005.


The  press  release  disclosed  in this  Item  9.01 as  Exhibit  99.1  shall  be
considered  "furnished" but not "filed" for purposes of the Securities  Exchange
Act of 1934, as amended.



                                   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.

                            PEAPACK-GLADSTONE FINANCIAL CORPORATION

Dated:  November 2, 2005    By: /s/ Arthur F. Birmingham
                               ------------------------------------------------
                            Arthur F. Birmingham
                            Executive Vice President and Chief Financial Officer







                                  EXHIBIT INDEX

               Exhibit No.        Title
               ----------         -----

               99.1               Press Release dated November 1, 2005.