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


                               September 20, 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
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(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 September 20, 2005, the Registrant issued a press release to report that
the Company's  Board of Directors has declared a $0.05 per share  quarterly cash
dividend to  stockholders  of record as of October 7, 2005.  The majority of the
outstanding  stock of the  Company  is owned by  Kearny  MHC,  a mutual  holding
company.  This is the Company's  second  dividend  since  completing its initial
public  stock  offering  in  February  2005 and is an  increase  from the  first
quarterly dividend of $0.04 per share.

     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
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     Exhibit                             Description
     Number                              -----------
     ------

       99           Press Release dated September 20, 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: September 21, 2005             By:   /s/ Craig Montanaro
                                           -------------------------------------
                                           Craig Montanaro
                                           Senior Vice President and Director of
                                           Strategic Planning