-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 NbbnL2y0EIJMkoZay5gVLtaF5hsePLxiOICFS59zCiVEnJ2eMTAJueHjpDYEEoi4
 26SLPbTlyYqRc3gC5fF5MA==

<SEC-DOCUMENT>0001005477-03-001736.txt : 20030529
<SEC-HEADER>0001005477-03-001736.hdr.sgml : 20030529
<ACCEPTANCE-DATETIME>20030529152825
ACCESSION NUMBER:		0001005477-03-001736
CONFORMED SUBMISSION TYPE:	3
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030522
FILED AS OF DATE:		20030529

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			CREAMER GLENN L
		CENTRAL INDEX KEY:			0001228660

	FILING VALUES:
		FORM TYPE:		3
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-10518
		FILM NUMBER:		03723505

	MAIL ADDRESS:	
		STREET 1:		INTERNATIONAL FINANCIAL SERVICES CORP
		STREET 2:		PARK 80 WEST, PIII
		CITY:			SADDLE BROOK
		STATE:			NJ
		ZIP:			07663

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			INTERCHANGE FINANCIAL SERVICES CORP /NJ/
		CENTRAL INDEX KEY:			0000755933
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				222553159
		STATE OF INCORPORATION:			NJ
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		PARK 80 WEST PLAZA TWO
		STREET 2:		ATTN INTERCHANGE STATE BANK
		CITY:			SADDLE BROOK
		STATE:			NJ
		ZIP:			07662
		BUSINESS PHONE:		2017032265

	MAIL ADDRESS:	
		STREET 1:		PARK 80 WEST
		STREET 2:		PLAZA II
		CITY:			SADDLE BROOK
		STATE:			NJ
		ZIP:			07663

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	INTERCHANGER STATE BANK
		DATE OF NAME CHANGE:	19870416

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	INTERCHANGE FINANCIAL SERVICES CORP
		DATE OF NAME CHANGE:	19861209
</SEC-HEADER>
<DOCUMENT>
<TYPE>3
<SEQUENCE>1
<FILENAME>edgar123.xml
<DESCRIPTION>FORM 3
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0101</schemaVersion>

    <documentType>3</documentType>
    <periodOfReport>2003-05-22</periodOfReport>
    <noSecuritiesOwned>0</noSecuritiesOwned>

    <issuer>
        <issuerCik>0000755933</issuerCik>
        <issuerName>INTERCHANGE FINANCIAL SERVICES CORP /NJ/</issuerName>
        <issuerTradingSymbol>IFCJ</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
    <reportingOwnerId>
            <rptOwnerCik>0001228660</rptOwnerCik>
            <rptOwnerName>CREAMER GLENN L</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>  </rptOwnerStreet1>
            <rptOwnerStreet2>  </rptOwnerStreet2>
            <rptOwnerCity>  </rptOwnerCity>
            <rptOwnerState>  </rptOwnerState>
            <rptOwnerZipCode>  </rptOwnerZipCode>
        </reportingOwnerAddress>
            <reportingOwnerRelationship>
        <isDirector>1</isDirector>
        <isOfficer>0</isOfficer>
        <isTenPercentOwner>0</isTenPercentOwner>
        <isOther>0</isOther>
    </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeSecurity>
        <securityTitle>
            <value>Interchange Financial Services Corporation</value>
        </securityTitle>
        <transactionAmounts>
            <transactionShares>
                <value>54108</value>
            </transactionShares>
        </transactionAmounts>
        <ownershipNature>
            <directOrIndirectOwnership>
                <value>D</value>
            </directOrIndirectOwnership>
        </ownershipNature>
    </nonDerivativeSecurity>

    <nonDerivativeSecurity>
        <securityTitle>
            <value>Interchange Financial Services Corporation</value>
        </securityTitle>
        <transactionAmounts>
            <transactionShares>
                <value>1098</value>
            </transactionShares>
        </transactionAmounts>
        <ownershipNature>
            <directOrIndirectOwnership>
                <value>I</value>
            </directOrIndirectOwnership>
            <natureOfOwnership>
                <value>Wife</value>
            </natureOfOwnership>
        </ownershipNature>
    </nonDerivativeSecurity>

    <nonDerivativeSecurity>
        <securityTitle>
            <value>Interchange Financial Services Corporation</value>
        </securityTitle>
        <transactionAmounts>
            <transactionShares>
                <value>625</value>
            </transactionShares>
        </transactionAmounts>
        <ownershipNature>
            <directOrIndirectOwnership>
                <value>I</value>
            </directOrIndirectOwnership>
            <natureOfOwnership>
                <value>Custodian/Child</value>
            </natureOfOwnership>
        </ownershipNature>
    </nonDerivativeSecurity>

    <nonDerivativeSecurity>
        <securityTitle>
            <value>Interchange Financial Services Corporation</value>
        </securityTitle>
        <transactionAmounts>
            <transactionShares>
                <value>625</value>
            </transactionShares>
        </transactionAmounts>
        <ownershipNature>
            <directOrIndirectOwnership>
                <value>I</value>
            </directOrIndirectOwnership>
            <natureOfOwnership>
                <value>Custodian/Child</value>
            </natureOfOwnership>
        </ownershipNature>
    </nonDerivativeSecurity>

    <nonDerivativeSecurity>
        <securityTitle>
            <value>Interchange Financial Services Corporation</value>
        </securityTitle>
        <transactionAmounts>
            <transactionShares>
                <value>625</value>
            </transactionShares>
        </transactionAmounts>
        <ownershipNature>
            <directOrIndirectOwnership>
                <value>I</value>
            </directOrIndirectOwnership>
            <natureOfOwnership>
                <value>Custodian/Child</value>
            </natureOfOwnership>
        </ownershipNature>
    </nonDerivativeSecurity>

    <ownerSignature>
        <signatureName>Glenn Creamer</signatureName>
        <signatureDate>2003-05-22</signatureDate>
    </ownerSignature>

</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----