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

September 30, 2005

Atlantic Liberty Financial Corp

Delaware		      000-49967		 	   16-1615014
State of incorporation 	    SEC File Number		IRS Employer I.D.

186 Montague Street, Brooklyn, New York

718-855-3555







CURRENT REPORT ON FORM 8-K


Item 1.			Changes in Control of Registrant
        Not Applicable

Item 2.			Acquisition or Disposition of Assets
        Not Applicable

Item 3.			Bankruptcy or Receivership

	Not Applicable

Item 4.			Changes in Registrants Certifying Accountant
        Not Applicable

Item 5.			Other Events
        Not Applicable

Item 6.			Resignations of Registrants Directors
        Not Applicable

Item 7.			Financial Statements and Exhibits

(a) No financial statements of businesses acquired are required.
(b) No pro forma financial information is required
(c) Attached as an exhibit is Atlantic Liberty Financial Corp.
    (the Company) news release announcing its
    September  30, 2005 quarterly earnings.






Item 8.			Change in Fiscal Year

        Not Applicable

Item 9.	Regulation FD Disclosure- Information provided pursuant to Item 12

	The Company announced its September 30, 2005
        financial results by release.
        The press release in included as an exhibit.






SIGNATURE


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.

				Atlantic Liberty Financial Corp.


Date:  October 28, 2005  	By: /s/Barry M. Donohue
		             	Barry M. Donohue
			        President and Chief Executive Officer