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

       Date of Report (Date of earliest event reported): January 29, 2010
                                                         ----------------

                       PROVIDENT FINANCIAL SERVICES, INC.
             (Exact Name of Registrant as Specified in its Charter)

    Delaware                         001-31566                42-1547151
------------------------------  ----------------------        ----------
(State or Other Jurisdiction)    (Commission File No.)       (I.R.S. Employer
      of Incorporation)                                      Identification No.)


830 Bergen Avenue, Jersey City, New Jersey                      07306-4599
------------------------------------------                      ----------
(Address of Principal Executive Offices)                        (Zip Code)

Registrant's telephone number, including area code:  (201) 333-1000
                                                     --------------

                                 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 (see General Instruction A.2. below):

[  ] 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))





Item 2.02  Results of Operation and Financial Condition.
           --------------------------------------------

     On January 29, 2010,  Provident  Financial  Services,  Inc. (the "Company")
issued a press release  reporting its financial results for the three months and
full year ended  December 31,  2009. A copy of the press  release is attached as
Exhibit  99.1 to this report and is being  furnished to the SEC and shall not be
deemed "filed" for any purpose.

Item 7.01  Regulation FD Disclosure.
           ------------------------

     The  Company's  Board of  Directors  declared a $0.11 per common share cash
dividend  payable on February 26, 2010 to stockholders of record on February 12,
2010, which is consistent with the prior quarter's cash dividend.

     This  announcement  was  included as part of the press  release  announcing
financial  results for the quarter and full year ended  December 31, 2009 issued
by the Company on January 29, 2010 and  attached as Exhibit 99.1 to this report.
A copy of the  press  release  is being  furnished  to the SEC and  shall not be
deemed "filed" for any purpose.

Item 9.01.  Financial Statements and Exhibits
            ---------------------------------

          (a)  Financial Statements of Businesses Acquired. Not applicable.

          (b)  Pro Forma Financial Information. Not applicable.

          (c)  Shell Company Transactions. Not applicable.

          (d)  Exhibits.

               Exhibit No.           Description
               -----------           -----------
                    99.1             Press release issued by the Company on
                                     January 29, 2010 announcing its financial
                                     results for the three months and full year
                                     ended December 31, 2009 and the
                                     declaration of a quarterly cash dividend.






                                   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.

                                         PROVIDENT FINANCIAL SERVICES, INC.


DATE:  January 29, 2010                   By:  /s/ Christopher Martin
                                               -------------------------
                                               Christopher Martin
                                               President and
                                               Chief Executive Officer





                                  EXHIBIT INDEX


Exhibit           Description
-------           -----------

99.1              Press release issued by the Company on January 29, 2010
                  announcing its financial results for the three months and
                  full year ended December 31, 2009 and the declaration of a
                  quarterly cash dividend.