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): April 22, 2004

                          ASTORIA FINANCIAL CORPORATION
             (Exact name of registrant as specified in its charter)

            Delaware                     0-22228                 11-3170868
 -----------------------------     -------------------      ------------------
(State or other jurisdiction of   (Commission File No.)        (IRS Employer
incorporation or organization)                              Identification No.)

          ONE ASTORIA FEDERAL PLAZA, LAKE SUCCESS, NEW YORK 11042-1085
          ------------------------------------------------------------
          (Address of principal executive offices, including zip code)

Registrant's telephone number, including area code: (516) 327-3000

                                 NOT APPLICABLE
                                 --------------
          (Former name or former address, if changed since last report)


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ITEMS 1 THROUGH 6, 8, 9, 10, AND 11. NOT APPLICABLE.

ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS.

(c)  Exhibits.

The following Exhibits are furnished as part of this report:

     99.1 Press  release  dated  April  22,  2004  which,  among  other  things,
          highlights the Company's financial results for the first quarter ended
          March 31, 2004.

ITEM 12. DISCLOSURE OF RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

     On April 22, 2004,  Astoria  Financial  Corporation  issued a press release
reporting financial results for the first quarter ended March 31, 2004. The full
text of the  earnings  release is  included  herein as Exhibit  99.1.  The press
release provides certain  information which may be considered non-GAAP financial
information.  These items may include tangible  stockholders' equity, book value
and tangible book value and related calculations.

     The information  provided pursuant hereto shall not be deemed  incorporated
by reference by any general  statement  incorporating by reference this Form 8-K
into any filing under the Securities Act of 1933, as amended,  or the Securities
Exchange Act of 1934, as amended,  and shall not otherwise be deemed filed under
such Acts.


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                                   SIGNATURES

     Pursuant to the  requirements  of the  Securities  Exchange Act of 1934, as
amended,  the  Registrant has duly caused this report to be signed on its behalf
by the undersigned hereunto duly authorized.

                                                ASTORIA FINANCIAL CORPORATION

                                                /s/ Peter J. Cunningham
                                                --------------------------------
                                                Peter J. Cunningham
                                                First Vice President and
                                                Director of Investor Relations

Dated: April 22, 2004

                                  EXHIBIT INDEX

Exhibit Number      Description

99.1                Press  release  dated  April 22,  2004  which,  among  other
                    things,  highlights the Company's  financial results for the
                    first quarter ended March 31, 2004.


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