SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20552


                                    FORM 8-K

                                 CURRENT REPORT

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


                                  July 6, 2005
             ------------------------------------------------------
                Date of Report (Date of earliest event reported)


                             Kearny Financial Corp.
             ------------------------------------------------------
             (Exact name of Registrant as specified in its Charter)


        United States                  0-51093                   22-3803741
----------------------------          ----------               -------------
(State or other jurisdiction          (File No.)               (IRS Employer
 of incorporation)                                        Identification Number)


120 Passaic Avenue, Fairfield, New Jersey                  07004   
-----------------------------------------                  -----   
(Address of principal executive offices)                 (Zip Code)


Registrant's telephone number, including area code:   (973) 244-4500   
                                                      --------------   


                                 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:

[ ]  Written communications pursuant to Rule 425 under the Securities Act
[ ]  Soliciting material pursuant to Rule 14a-12 under the Exchange Act
[ ]  Pre-commencement   communications  pursuant  to  Rule  14d-2(b)  under  the
     Exchange Act
[ ]  Pre-commencement   communications  pursuant  to  Rule  13e-4(c)  under  the
     Exchange Act



                             KEARNY FINANCIAL CORP.

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



Item 8.01 Other Events
----------------------

         On July 6, 2005, the  Registrant  issued a press release to report that
the Company's  Board of Directors has declared its first quarterly cash dividend
to  stockholders  of record as of July 18, 2005. The majority of the outstanding
stock of the Company is owned by Kearny MHC, a mutual holding  company.  This is
the Company's first dividend since  completing its initial public stock offering
in February 2005.

         A copy of the press release is furnished  with this Form 8-K as exhibit
99 and the information contained in the press release is incorporated herein.


Item 9.01 Financial Statements, Pro Forma Financial Information and Exhibits
----------------------------------------------------------------------------


     Exhibit           
     Number                  Description
     ------                  -----------
       99       Press Release dated July 6, 2005




                                   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.



                                                    KEARNY FINANCIAL CORP.


Date: July 6, 2005                         By:      /s/Craig Montanaro
                                                    ----------------------------
                                                    Craig Montanaro
                                                    Senior Vice President