ASTORIA FINANCIAL CORPORATION

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): August 17, 2004

ASTORIA FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)


Delaware	0-22228	11-3170868

(State or other jurisdiction of incorporation or organization)	(Commission File No.)	(IRS Employer 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)

TABLE OF CONTENTS


	ITEMS 1 THROUGH 6, 8, 10, 11 AND 12. NOT APPLICABLE.
	ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS.
	ITEM 9. REGULATION FD DISCLOSURE.
SIGNATURES
EXHIBIT INDEX
ASTORIA FINANCIAL CORPORATION'S WRITTEN INVESTOR PRESENTATION MATERIAL

ITEMS 1 THROUGH 6, 8, 10, 11 AND 12. NOT APPLICABLE.

ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS.

(c) Exhibits.

The following Exhibits are furnished as part of this report:

99.1 Astoria Financial Corporation has updated its written investor presentation material through the period ended June 30, 2004. The material, which includes among other things, a review of financial results and trends through the period ended June 30, 2004, will be made available to interested investors and analysts, including investor groups participating in forums such as sponsored investor conferences and road shows, during the quarter ending September 30, 2004 and will be available on the Company’s investor relations website.

ITEM 9. REGULATION FD DISCLOSURE.

Astoria Financial Corporation updated its written investor presentation material, which includes, among other things, a review of financial results and trends through the period ended June 30, 2004. Astoria Financial Corporation intends to make this information available to interested investors and analysts, including investor groups participating in forums such as sponsored investor conferences and road shows, during the quarter ending September 30, 2004. A copy of the presentation material will be posted on the company’s investor relations website, http://ir.astoriafederal.com.

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.

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: August 17, 2004

EXHIBIT INDEX


Exhibit Number		Description
99.1		Astoria Financial Corporation’s written investor presentation material through the period ended June 30, 2004. The material, which includes among other things, a review of financial results and trends through the period ended June 30, 2004, will be made available to interested investors and analysts, including investor groups participating in forums such as sponsored investor conferences and road shows, during the quarter ending September 30, 2004 and will be available on the Company’s investor relations website.

Table of Contents

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(c)		Exhibits.

		The following Exhibits are furnished as part of this report:

		99.1 Astoria Financial Corporation has updated its written investor presentation material through the period ended June 30, 2004. The material, which includes among other things, a review of financial results and trends through the period ended June 30, 2004, will be made available to interested investors and analysts, including investor groups participating in forums such as sponsored investor conferences and road shows, during the quarter ending September 30, 2004 and will be available on the Company’s investor relations website.