EXHIBIT 3.1
                                                            AMENDMENT TO BYLAWS


                                    AMENDMENT

                                  TO BYLAWS OF

                   INTERCHANGE FINANCIAL SERVICES CORPORATION

                             ADOPTED APRIL 28, 2005

By  resolutions  adopted  by the Board of  Directors  of  Interchange  Financial
Services  Corporation  (the  "Corporation"),  on April  28,  2005,  the Board of
Directors authorized the following amendment to the Corporation's Bylaws:

Section 10 of ARTICLE II is deleted in it its entirety and replaced by the
following:

Section 10 - Director Qualifications

          A person is not qualified  to serve as a  director if he or she (a) is
          under  indictment  for,  or has ever  been  convicted  of, a  criminal
          offense  involving  dishonesty  or breach of trust and the penalty for
          such offense could be  imprisonment  for more than one year;  (b) is a
          person  against  whom a federal  or state bank  regulatory  agency has
          issued a cease and desist order for conduct  involving  dishonesty  or
          breach of trust and that order is final and not subject to appeal; (c)
          has been found either by any federal or state regulatory  agency whose
          decision  is final and not subject to appeal or by a court to have (i)
          breached a fiduciary duty involving  personal profit or (ii) committed
          a willful violation of any law, rule or regulation  governing banking,
          securities,  commodities  or insurance,  or any final cease and desist
          order  issued  by a  banking,  securities,  commodities  or  insurance
          regulatory  agency;  (d) has been  nominated  by a person who would be
          disqualified  from  serving as a director  of this  Corporation  under
          subsection  (a),  (b) or (c);  or (e) is a party  (either  directly or
          through an affiliate) to  litigation or an  administrative  proceeding
          adverse  to  the  Corporation  or  its  bank  subsidiary,  except  (i)
          derivative  litigation  brought in the name of the  Corporation or its
          bank  subsidiary  by  the  director  in  his  or  her  capacity  as  a
          shareholder  of the  Corporation or (ii)  litigation  arising out of a
          proxy fight concerning the election of directors of the Corporation or
          its bank subsidiary or otherwise  involving control of the Corporation
          or its bank subsidiary.  Each director of the Corporation is obligated
          to inform the  Corporation  immediately of any occurrence  which comes
          within subsections (a), (b), (c), (d) or (e) of the prior sentence.  A
          director  of the  Corporation  who becomes  unqualified  to serve as a
          director  pursuant to this Section shall forthwith cease to serve as a
          director of the  Corporation  without the  necessity  of action by the
          Board to remove or suspend  the  director.  In case of a director  who
          becomes unqualified under subsection (e) of the first sentence of this
          Section,  the director may be considered for  re-election to the Board
          after the conclusion of the litigation or  administrative  proceeding.
          The  Corporation  shall confirm in writing to any director who becomes
          unqualified to serve as a director of the Corporation, as set forth in
          this  Section,  that the  director  has become  unqualified  and shall
          forthwith  cease  to  serve  as a  director  of  the  Corporation.  In
          addition,  notice of said  disqualification  and  cessation of service
          shall be given to the  directors as well as to the Regional  Office of
          the  Board  of  Governors  of  the  Federal  Reserve  System,  and  as
          appropriate,  to the  Commission of Banking and Insurance of the State
          of New Jersey.

Except as hereby  specifically  amended,  the Bylaws of the Corporation shall be
and remain in full force and effect.

The  foregoing is  certified  as an amendment to the Bylaws of the  Corporation,
adopted by a majority of the Board of Directors effective as of April 28, 2005.


/s/ Nicholas R. Marcalus
-------------------------------
Nicholas R. Marcalus, Secretary
April 28, 2005