As Filed Pursuant to Rule 424(b)(3)
                                                 Registration No. 333-94385

 [NORTH FORK LOGO]                                               [JSB LOGO]



                             SUPPLEMENT TO THE
                      JOINT PROXY STATEMENT-PROSPECTUS
                           DATED JANUARY 11, 2000

 INTRODUCTION

   This Supplement is being sent to the stockholders of North Fork
 Bancorporation, Inc. and JSB Financial, Inc. for the purpose of
 supplementing the joint proxy statement-prospectus, dated January 11, 2000,
 initially mailed to the stockholders of North Fork and JSB on or about
 January 12, 2000 in connection with the special meeting of stockholders of
 JSB to be held on February 10, 2000 and the special meeting of stockholders
 of North Fork to be held on February 11, 2000 to consider and vote upon the
 proposed merger of North Fork and JSB pursuant to the Amended and Restated
 Agreement and Plan of Merger, dated as of August 16, 1999. Also included
 with this Supplement is another proxy card for your use if you wish to
 revoke your earlier proxy or change your vote in accordance with the
 instructions set forth below under "Voting Procedures." IF YOU DO NOT WISH
 TO CHANGE YOUR VOTE OR REVOKE YOUR PROXY, NO ACTION IS REQUIRED BY YOU IN
 CONNECTION WITH THIS SUPPLEMENT.

   As described in more detail below, on January 14, 2000, a purported class
 and derivative action entitled Wolfson v. JSB Financial, Inc., et al., C.A.
 No. 17741, was filed in the Court of Chancery of the State of Delaware
 against JSB, its directors and North Fork by Elliot Wolfson. This
 Supplement is being provided to you pursuant to the Stipulation and
 Agreement of Compromise and Settlement dated February 1, 2000 (the
 "Settlement Agreement"), which embodies the terms of the settlement reached
 by the parties. The Settlement Agreement is subject to the approval of the
 Delaware Court of Chancery.

   This Supplement is dated February 1, 2000 and is first being mailed to
 the stockholders of North Fork and JSB on or about February 1, 2000.

 PENDING LITIGATION

   On January 14, 2000, a purported class action lawsuit was filed in the
 Court of Chancery of the State of Delaware entitled Wolfson v. JSB
 Financial, Inc., et al., naming JSB, all of JSB's directors (the
 "individual defendants") and North Fork as defendants. The complaint
 alleges, among other things, four causes of action, including: (i) breach
 of fiduciary duty of disclosure by the individual defendants to the effect
 that the joint proxy statement-prospectus omits or misrepresents material
 facts with respect to whether Northeast Capital & Advisory, Inc.
 ("Northeast Capital"), JSB's financial advisor, in updating its fairness
 opinion, took into account the proposed merger of Reliance Bancorp, Inc.
 with North Fork that was announced on August 30, 1999, and that the
 identity of the other bidder for JSB, whose nominally higher offer was not
 accepted by JSB, should be disclosed; (ii) breach of fiduciary duties of
 care and loyalty by the individual defendants in connection with JSB's
 acceptance of a nominally lower offer from North Fork, as compared to the
 nominally higher offer from the other bidder, following solicitations of
 indications of interest, and with regard to the individual defendants
 allegedly having material interests in the transaction that differ from the
 interests of JSB's stockholders generally; (iii) North Fork's aiding and
 abetting the individual defendants' breaches of fiduciary duty in
 connection with North Fork's participation in the alleged misstatements and
 omissions in the joint proxy statement-prospectus and in the alleged
 provision of material financial benefits to the individual defendants that
 were not shared by JSB's stockholders generally so as to induce them into
 accepting North Fork's bid; and (iv) breach of the merger agreement by
 North Fork in that North Fork, by entering into an agreement to acquire
 Reliance, took an action that, in fact, had a materially adverse effect on
 North Fork, thereby constituting a breach of the merger agreement, and that
 the plaintiff should be entitled to assert a claim derivatively on behalf
 of JSB, and that allegedly allowing North Fork to breach the merger
 agreement did not constitute a valid exercise of business judgment by the
 individual defendants.

   The complaint seeks, among other things, a preliminary and permanent
 injunction against consummation of the North Fork/JSB merger and related
 transactions, an order requiring the defendants to issue corrective
 disclosure, a declaration that the individual defendants have breached and
 are breaching their fiduciary duties, an order requiring the individual
 defendants to sell JSB to the highest bidder, an order certifying the
 action as a class action and unspecified damages, attorneys' fees and
 costs.

   Each of North Fork, JSB and the individual defendants believe that the
 allegations made against each of them, respectively, in the complaint are
 entirely without merit. Contrary to the assertions in the complaint,
 Northeast Capital did in fact take into account the proposed merger of
 Reliance into North Fork in preparing its updated fairness opinion dated as
 of the date of the joint proxy statement-prospectus. In addition, JSB and
 the individual defendants believe that the proposed merger is intended to
 be a strategic combination of North Fork and JSB, that JSB's board of
 directors is entitled to accept an offer for a strategic combination
 involving merger consideration that it reasonably believes will provide a
 higher long-term value for its stockholders than that offered by a
 competing bidder, even if the market value of the other bidder's all-stock
 offer at the time it was considered by the JSB board of directors was
 nominally higher, and that the individual defendants have not violated
 their duties of care, loyalty and disclosure. As indicated throughout the
 joint proxy statement-prospectus, there can be no assurance, however, that
 any particular long-term value will be obtained. There are no appraisal
 rights available to JSB stockholders in connection with the North Fork/JSB
 merger.

   Even though each of North Fork, JSB and the individual defendants believe
 that the allegations made against each of them, respectively, in the
 complaint are entirely without merit, North Fork and JSB suggested a
 meeting with the plaintiff to determine if an acceptable settlement could
 be reached. The parties engaged in expedited discovery and agreed to a
 meeting between the plaintiff and senior officers of JSB and North Fork and
 their respective counsel, which was held on January 26, 2000. On February
 1, 2000, the parties reached the Settlement Agreement, which is subject to
 the approval of the Delaware Court of Chancery. In accordance with the
 terms of the Settlement Agreement, both North Fork and JSB have agreed to
 provide the supplemental disclosure set forth in this Supplement to their
 respective stockholders. Both North Fork and JSB have agreed to the
 Settlement Agreement in order to expeditiously settle the pending
 litigation, and avoid the additional expense and delays involved in
 defending such litigation, and proceed with the proposed merger.

 ADDITIONAL DISCLOSURE REGARDING THE OTHER INSTITUTION

   The "Background of the Merger" and "Opinion of JSB's Financial Advisor"
 sections of the joint proxy statement-prospectus, which can be found
 beginning on pages 23 and 40 thereof, respectively, contain references to
 the other institution with whom JSB was engaged in discussions regarding a
 possible business combination. This other institution was Queens County
 Bancorp, Inc., a Delaware corporation and bank holding company parent of
 Queens County Savings Bank. As discussed in more detail in the joint proxy
 statement-prospectus, Queens County's proposal of July 27, 1999
 contemplated a merger of JSB with and into Queens County, structured as a
 stock-for-stock exchange of 2.175 shares of common stock of Queens County
 for each share of JSB's common stock. Based on a price per Queens County
 share of $30.125, the proposal represented a value of $65.52 per JSB share.
 Although Queens County's offer to JSB technically lapsed prior to the
 August 10, 1999 meeting of the JSB board of directors, Northeast Capital
 continued to analyze the offer at an assumed exchange ratio of 2.2 which,
 based upon prior discussions with Queens County's management, Northeast
 Capital believed Queens County may have been willing to offer if Queens
 County had been selected as the favored bidder. Even at this assumed
 increased exchange ratio, the value of Queen's County's proposal decreased
 to $63.80 as of August 13, 1999 (or $63.08 based on the actual proposed
 exchange ratio of 2.175) due to a decrease in Queen's County's closing
 stock price to $29.00 as of that date.

   Queens County files reports, proxy statements and other information with
 the Securities and Exchange Commission under the Securities Exchange Act of
 1934. Copies of this information can be obtained from the SEC's Internet
 world wide web site at the following address: http://www.sec.gov.

 ADDITIONAL DISCLOSURE REGARDING OTHER INDICATIONS OF INTEREST

   At least as early as the June 22, 1999 meeting of the JSB board of
 directors, JSB's board confirmed that JSB would only solicit indications of
 interest with respect to a strategic combination. At the August 15, 1999
 meeting of the JSB board of directors, Northeast Capital reported that a
 representative of European American Bank ("EAB"), a subsidiary of ABN AMRO
 Bank, NV, had called Northeast Capital on August 9th after reading an
 August 5th Newsday article regarding a possible business combination
 involving JSB and asked whether EAB could be considered in any process
 being conducted by JSB. Northeast Capital responded that time was short and
 requested that EAB provide an initial indication of EAB's interest and the
 level of such interest. The representative of EAB called back on August
 12th, stating that EAB might, subject to due diligence and other
 considerations, be willing to discuss a transaction price of $65, comprised
 principally of cash and some American Depositary Receipts (ADRs) of ABN
 AMRO Bank, based on JSB's publicly available financial information, but
 that such willingness was not a commitment. Northeast Capital reported this
 development to JSB's management and outside legal counsel. Northeast
 Capital and JSB's outside legal counsel advised JSB's board about the
 issues that would be raised in connection with the consideration of a
 principally cash transaction at this point in the process, which heretofore
 had been limited to strategic business combinations, and that if JSB were
 to consider EAB's indication of interest, which would generally be taxable
 to JSB's stockholders under the Internal Revenue Code, JSB might have to go
 back to the other bidders with this alternative approach as well, which
 could delay the process considerably. The JSB board was also advised that
 if a principally cash transaction were to be considered, JSB could, under
 Delaware law, be required to maximize short-term shareholder value. After
 such discussion, JSB's board agreed that further conversations with EAB
 should not be pursued. EAB never requested or received the confidential
 book of information regarding JSB and never submitted any formal offer or
 indication of interest.

   As described on page 24 of the joint proxy statement-prospectus, two of
 the financial institutions that had submitted written indications of
 interest to JSB made separate presentations to the JSB board of directors.
 One of such financial institutions was Queens County, whose indication of
 interest is described above. The other financial institution proposed two
 alternative pricing structures. The first alternative consisted entirely of
 stock of such institution, and the second alternative consisted of a
 combination of cash and stock. Based on the closing price of this
 institution's common stock on August 13, 1999 (the last trading day prior
 to the JSB board of directors' approval of the merger with North Fork) and
 the fixed exchange ratio contemplated under the first alternative, the
 first alternative had a nominal value of $53.38 per share of JSB common
 stock. Based on the same closing price, the second alternative had a
 blended value of $55.67 per share of JSB common stock (consisting of $40.67
 in stock and $15.00 in cash). The second alternative also contemplated an
 election procedure whereby stockholders would have been entitled to elect
 to receive either all stock, all cash or a mixture of cash and stock
 (subject to proration procedures if the stock or cash portions were
 oversubscribed). Based on the closing price of this institution's stock on
 January 31, 2000, the first alternative would have a current nominal value
 of approximately $34.67 per JSB share, and the second alternative would
 have a current nominal value of approximately $41.42 per JSB share.

   Neither EAB, nor Queens County or any other institution that submitted an
 indication of interest to JSB, has at any time since the announcement of
 the North Fork/JSB merger indicated any intention of pursuing its
 indication of interest.

 NORTHEAST CAPITAL'S CONSIDERATION OF THE PROPOSED NORTH FORK/RELIANCE
 TRANSACTION

   At the September 14, 1999 meeting of the JSB board of directors,
 Northeast Capital made a financial presentation regarding the proposed
 merger of Reliance with North Fork, which presentation was based primarily
 on financial information regarding Reliance and the proposed transaction
 obtained from North Fork. The presentation included various analyses
 regarding the North Fork/Reliance transaction, including an analysis of
 comparable transactions, a discounted cash flow analysis and a pro forma
 merger analysis, and also included an analysis of the potential impact the
 transaction would have on JSB's stock.

   In addition, in connection with updating its fairness opinion, dated as
 of the date of the joint proxy statement-prospectus, Northeast Capital
 conducted a due diligence review of North Fork for the period since August
 16, 1999 that included discussions with North Fork's management regarding
 the proposed Reliance acquisition and reviewed documents prepared by North
 Fork's management in connection with their due diligence review of Reliance
 and documents prepared by North Fork's financial advisor in connection with
 rendering its fairness opinion. Based upon the information provided by
 North Fork, Northeast Capital considered the impact that the Reliance
 acquisition would have on (i) the pro forma effects resulting from the
 North Fork/JSB merger, (ii) the relative contributions to, among other
 things, pro forma earnings, total assets, total gross loans, total common
 equity and total deposits to be made to the combined company by JSB and
 North Fork, and (iii) the discounted cash flow values for North Fork and
 JSB. Following such consideration and the performance of other procedures
 to update, as necessary, the analyses described in the "Opinion of JSB's
 Financial Advisor" section beginning on page 40 of the joint proxy
 statement-prospectus, Northeast Capital rendered its updated fairness
 opinion to the JSB board of directors.

 AMENDMENT TO THE MERGER AGREEMENT

   Pursuant to the Settlement Agreement, North Fork and JSB have agreed to
 an amendment to section 4.1 of the merger agreement. A copy of the
 amendment is filed as an exhibit to the Current Reports on Form 8-K filed
 by each of North Fork and JSB on February 1, 2000. Prior to such amendment,
 section 4.1 provided that JSB could not take certain actions relating to an
 "acquisition proposal," as defined and described in more detail under "No
 Solicitation by JSB" on page 54 of the joint proxy statement-prospectus,
 unless, among other things, the JSB board of directors, "after consultation
 with and based upon the written opinion of outside legal counsel, in good
 faith deems such action to be legally necessary for the proper discharge of
 its fiduciary duties." The amendment to section 4.1 removes the part of
 this provision requiring that such determination by the JSB board of
 directors be based upon a written opinion of counsel. The full text of the
 merger agreement is set forth in Appendix A to the joint proxy statement-
 prospectus.

 AMENDMENT TO THE STOCK OPTION AGREEMENT

   Pursuant to the Settlement Agreement, North Fork and JSB have agreed to
 an amendment to section 13 of the Stock Option Agreement, dated as of
 August 16, 1999, by and between North Fork and JSB. A copy of the amendment
 is filed as an exhibit to the Current Reports on Form 8-K filed by each of
 North Fork and JSB on February 1, 2000. The amendment reduces the limit on
 the aggregate realizable profit to North Fork from the option and any
 termination fees payable by JSB pursuant to the merger agreement, as
 described in "The Merger   Termination Fees" on page 60 of the joint proxy
 statement-prospectus, from $30 million to $25 million. The full text of the
 stock option agreement is set forth in Appendix B to the joint proxy
 statement-prospectus.

 RECOMMENDATION OF NORTH FORK'S AND JSB'S BOARDS OF DIRECTORS

   The amendments to the merger agreement and the stock option agreement do
 not affect the merger consideration to be received by JSB's stockholders in
 the merger. EACH OF THE NORTH FORK BOARD OF DIRECTORS AND THE JSB BOARD OF
 DIRECTORS RECOMMENDS THAT ITS STOCKHOLDERS VOTE "FOR" APPROVAL AND ADOPTION
 OF THE MERGER AGREEMENT.

 VOTING PROCEDURES

   Enclosed with this Supplement is an additional proxy card (and a return
 envelope) for your use. IF YOU HAVE ALREADY VOTED YOUR PROXY AND YOU DO NOT
 WISH TO CHANGE YOUR VOTE, YOU DO NOT NEED TO RETURN THIS SECOND PROXY CARD.
 If you have already voted and you wish to change your vote, you may revoke
 your proxy in any one of the following ways:

   1. by completing, signing and dating the enclosed proxy card and
      returning it by mail prior to the date of your special meeting;

   2. by sending a written notice to the corporate secretary of your company
      prior to the date of your special meeting stating that you would like
      to revoke your proxy;

   3. by attending your special meeting and voting in person; or

   4. by calling the toll-free number on the proxy card and following the
      instructions if your shares were originally voted by telephone.

   If you have not already voted, you may use either the proxy card which
 was originally sent to you, or you may use the second proxy card enclosed
 herewith. You do not need to return both the original and this second proxy
 card. Alternatively, you may vote your shares by calling the toll-free
 number and following the instructions on the proxy card. If your company
 receives the enclosed proxy card, duly executed and dated, or your
 telephone vote, prior to the special meeting, any proxy previously granted
 by you will be, without further action, revoked.

   IF YOU HAVE ALREADY RETURNED A PROXY CARD OR VOTED BY TELEPHONE AND DO
 NOT WISH TO CHANGE YOUR VOTE, NO FURTHER ACTION IS REQUIRED.

   Written notices of revocation and other communications with respect to
 the revocation of proxies by North Fork stockholders should be addressed to
 Aurelie S. Graf, Corporate Secretary, North Fork Bancorporation, Inc., 275
 Broad Hollow Road, Melville, New York 11747. Written notices of revocation
 and other communications with respect to the revocation of proxies by JSB
 stockholders should be addressed to Joanne Corrigan, Corporate Secretary,
 JSB Financial, Inc., 303 Merrick Road, Lynbrook, New York 11563.

   All shares represented by valid proxies received pursuant to this
 solicitation, and not revoked before they are exercised, will be voted in
 the manner specified therein. If no specification is made, the proxies will
 be voted in favor of the matters to be voted upon at your special meeting,
 including approval of the merger and the merger agreement. No proxy that
 has been voted against approval of the merger and the merger agreement will
 be voted in favor of any adjournment or postponement of your special
 meeting for the purpose of soliciting additional proxies.

   For additional information or to request an additional copy of the joint
 proxy statement-prospectus, North Fork stockholders can call Aurelie S.
 Graf, Corporate Secretary, at (631) 844-1004, and JSB stockholders can call
 Edward Lekstutis, Vice President, at (516) 887-7000, ext. 372.

 Dated: February 1, 2000