-----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,
 Lipfemd8I4gml+nXQw9Jyy1vybJAXcuZOZOMoGqDFJll0+jHc8RUVo6B1b1Dd0G1
 8GI55jhwmVQuoQpqolsfRQ==

<SEC-DOCUMENT>0001005477-03-004635.txt : 20031208
<SEC-HEADER>0001005477-03-004635.hdr.sgml : 20031208
<ACCEPTANCE-DATETIME>20031208095335
ACCESSION NUMBER:		0001005477-03-004635
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20031205
FILED AS OF DATE:		20031208

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			FICCA DAVID R
		CENTRAL INDEX KEY:			0001089672

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-10518
		FILM NUMBER:		031041624

	BUSINESS ADDRESS:	
		STREET 1:		296 FEATHER LANE
		CITY:			FRANKLIN LAKES
		STATE:			NJ
		ZIP:			07417

	MAIL ADDRESS:	
		STREET 1:		PARK 80 W
		STREET 2:		PLAZA TWO
		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>4
<SEQUENCE>1
<FILENAME>edgar123.xml
<DESCRIPTION>FORM 4
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0201</schemaVersion>

    <documentType>4</documentType>
    <periodOfReport>2003-12-05</periodOfReport>
    <notSubjectToSection16>0</notSubjectToSection16>
    <issuer>
        <issuerCik>0000755933</issuerCik>
        <issuerName>INTERCHANGE FINANCIAL SERVICES CORP /NJ/</issuerName>
        <issuerTradingSymbol>IFCJ</issuerTradingSymbol>
    </issuer>

    <reportingOwner>

        <reportingOwnerId>
            <rptOwnerCik>0001089672</rptOwnerCik>
            <rptOwnerName>FICCA DAVID R</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>296 FEATHER LANE</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>FRANKLIN LAKES</rptOwnerCity>
            <rptOwnerState>NJ</rptOwnerState>
            <rptOwnerZipCode>07417</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
            <reportingOwnerRelationship>
        <isDirector>1</isDirector>
        <isOfficer>0</isOfficer>
        <isTenPercentOwner>0</isTenPercentOwner>
        <isOther>0</isOther>
    </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeHolding>

        <securityTitle>
            <value>Common Stock</value>
        </securityTitle>
        <postTransactionAmounts>

            <sharesOwnedFollowingTransaction>
                <value>24451</value>
            </sharesOwnedFollowingTransaction>
        </postTransactionAmounts>
        <ownershipNature>

            <directOrIndirectOwnership>
                <value>D</value>
            </directOrIndirectOwnership>
        </ownershipNature>
        </nonDerivativeHolding>

        <nonDerivativeTransaction>

        <securityTitle>
            <value>Common Stock</value>
        </securityTitle>

        <transactionDate>
            <value>2003-12-05</value>
        </transactionDate>
    <transactionCoding>
        <transactionFormType>4</transactionFormType>
        <transactionCode>G</transactionCode>
        <equitySwapInvolved>0</equitySwapInvolved>
    </transactionCoding>
        <transactionAmounts>

            <transactionShares>
                <value>2000</value>
            </transactionShares>

            <transactionPricePerShare>
                <footnoteId id="F1"/>
            </transactionPricePerShare>

            <transactionAcquiredDisposedCode>
                <value>D</value>
            </transactionAcquiredDisposedCode>
        </transactionAmounts>
        <postTransactionAmounts>

            <sharesOwnedFollowingTransaction>
                <value>97099</value>
            </sharesOwnedFollowingTransaction>
        </postTransactionAmounts>
        <ownershipNature>

            <directOrIndirectOwnership>
                <value>I</value>
            </directOrIndirectOwnership>

            <natureOfOwnership>
                <value>By Spouse</value>
            </natureOfOwnership>
        </ownershipNature>
        </nonDerivativeTransaction>

        <nonDerivativeHolding>

        <securityTitle>
            <value>Common Stock</value>
        </securityTitle>
        <postTransactionAmounts>

            <sharesOwnedFollowingTransaction>
                <value>2533</value>
            </sharesOwnedFollowingTransaction>
        </postTransactionAmounts>
        <ownershipNature>

            <directOrIndirectOwnership>
                <value>I</value>
            </directOrIndirectOwnership>

            <natureOfOwnership>
                <value>By Foundation</value>
                <footnoteId id="F2"/>
            </natureOfOwnership>
        </ownershipNature>
        </nonDerivativeHolding>

    </nonDerivativeTable>
    <footnotes>
        <footnote id="F1">Gift</footnote>
        <footnote id="F2">Disclaim beneficial ownership in Foundation shares</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>David R. Ficca</signatureName>
        <signatureDate>2003-12-08</signatureDate>
    </ownerSignature>

</ownershipDocument>

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