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


                                FEBRUARY 24, 2006
             ------------------------------------------------------
                                 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      (SEC Commission      (IRS Employer
     of incorporation)                File No.)         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 February 24, 2006,  the  Registrant  issued a press  release to report a
restructuring  of its  securities  portfolio.  A copy of the  press  release  is
furnished with this Form 8-K as an exhibit.


ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS
          ---------------------------------

     (d) Exhibits:

          99 Press Release dated February 24, 2006



                                   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.


                                             KEARNY FINANCIAL CORP.


Date: February 24, 2006                      By: /s/ Craig L. Montanaro
                                                 -------------------------
                                                 Craig L. Montanaro
                                                 Senior Vice President and
                                                 Director  of Strategic Planning