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): September 8, 2008

                                BCB BANCORP, INC.
                               ------------------
               (Exact Name of Registrant as Specified in Charter)

            New Jersey                   0-50275                 26-0065262
- -----------------------------         ----------------       -----------------
(State or Other Jurisdiction)       (Commission File No.)    (I.R.S. Employer
      of Incorporation)                                     Identification No.)


104-110 Avenue C, Bayonne, New Jersey                               07002
- --------------------------------------                          ---------------
(Address of Principal Executive Offices)                         (Zip Code)

Registrant's telephone number, including area code:  (201) 823-0700
                                                     --------------


                                 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 2.06.        Material Impairments

     BCB Bancorp, Inc. ("BCB" or the "Company") (NASDAQGM:BCBP),  parent company
of BCB Bank ("Bank"),  announced today that the U.S.  government's  actions with
respect to Fannie Mae and Freddie Mac would adversely  impact the value of BCB's
perpetual preferred stock investments in Fannie Mae and Freddie Mac.

     On September 7, 2008 the U.S. Treasury, the Federal Reserve and the Federal
Housing Finance Agency (FHFA) announced that the FHFA was putting Fannie Mae and
Freddie  Mac  under  conservatorship  and  giving  management  control  to their
regulator,  the FHFA. Key provisions of the U.S.  Government's Plan announced to
date were as follows:

o    Dividends  on Fannie Mae and  Freddie Mac common and  preferred  stock were
     eliminated.
o    Fannie  Mae and  Freddie  Mac will be  required  to reduce  their  mortgage
     portfolios over time.
o    The U.S.  Government  agreed to provide  equity  capital to cover  mortgage
     defaults in return for $1 billion of senior  preferred  stock in Fannie Mae
     and Freddie Mac and  warrants for the purchase of 79.9% of the common stock
     of Fannie Mae and Freddie Mac.
o    The U.S.  Government  also announced  that the U.S.  Treasury would provide
     secured loans to Fannie Mae and Freddie Mac as needed until the end of 2009
     and that the U.S.  Treasury plans to purchase  mortgage  backed  securities
     from Fannie Mae and Freddie Mac in the open market.

     At June 30, 2008, the Bank had two securities totaling $3.012 million, on a
cost basis,  of preferred  stock of Fannie Mae which had an  unrealized  loss of
$198,000.00.  The impact of the above  actions and  concerns in the market place
about the future value of the preferred stock of Fannie Mae and Freddie Mac have
caused values for these investments to decrease  materially.  It is unclear when
and if the value of the investments will improve in the future.  Given the above
developments, the Bank's investment committee met on September 8, 2008 to review
the most recent developments and, in consultation with the Company's independent
registered  public  accountants,  concluded  that the Bank's  investment  in the
preferred  stock was other than  temporarily  impaired.  Following  a full board
review of the foregoing on September 10, 2008,  the Company  expects to record a
non-cash  other-than-temporary  impairment on these  investments for the quarter
ending September 30, 2008.

     In the event that BCB was  required to write off its entire  investment  in
the preferred  stock of Fannie Mae and Freddie Mac, and was not able to record a
tax benefit for the loss, BCB's and the Bank's capital levels would still exceed
the levels required to be considered well-capitalized.

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: None

(d)  Exhibits.

     The following Exhibit is attached as part of this report: None





                                   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.

                                                     BCB BANCORP, INC.



DATE: September 11, 2008              By:  /s/ Donald Mindiak
                                           -------------------------------------
                                           Donald Mindiak
                                           President and Chief Executive Officer