<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>earnings2-05.txt
<DESCRIPTION>EARNINGS RELEASE
<TEXT>
               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): July 26, 2005


                  INTERCHANGE FINANCIAL SERVICES CORPORATION
            _____________________________________________________
            (Exact name of registrant as specified in its charter)


                                   New Jersey
                                  ____________
                 (State or other Jurisdiction of Incorporation)

          1-10518                                      22-2553159
 ________________________                  __________________________________
 (Commission File Number)                 (I.R.S. Employer Identification No.)

             Park 80 West/Plaza Two, Saddle Brook, N.J.    07663
             ____________________________________________________
              (Address of principal executive offices) (Zip Code)

                                 (201) 703-2265
                                 _______________
               (Registrant's telephone number, including area code)

                                   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))

<PAGE>

Item 5. Other Events

         On July 26, 2005, Interchange Financial Services Corporation issued
a press release reporting earnings for the second quarter period ending
June 30, 2005. A copy of that release is furnished as Exhibit 99.1 to
this Report.

Item 7. Financial Statement Exhibits

         (c)  Exhibits.

              99.1 Press Release dated July 26, 2005 of the Registrant.

<PAGE>


                                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.


Dated: July 26, 2005               Interchange Financial Services Corporation

                                   By: /s/ Charles T. Field
                                   _________________________
                                   Name:  Charles T. Field
                                   Title: SVP & Chief Financial Officer


<PAGE>

                              EXHIBIT INDEX


EXHIBIT NUMBER      DESCRIPTION

99.1                Press Release, dated July 26, 2005, of the Registrant

</TEXT>
</DOCUMENT>