8-K

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): September 27, 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 Number)	(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)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

[ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

[ ] Soliciting material pursuant to Rule 14a-12(b) under the Exchange Act (17 CFR 240.14a-12(b))

[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

TABLE OF CONTENTS

	ITEMS 1 THROUGH 7 NOT APPLICABLE.
	Item 8.01. Other Events.
	Item 9.01. Financial Statements and Exhibits.
SIGNATURE
PRESS RELEASE

ITEMS 1 THROUGH 7 NOT APPLICABLE.

Item 8.01. Other Events.

     On September 27, 2004, Astoria Financial Corporation (the “Corporation”) issued a press release stating that, on October 21, 2004, the Corporation is expected to release its financial results for the quarter ending September 30, 2004 and host an earnings conference call at 3:30 PM (ET).

Item 9.01. Financial Statements and Exhibits.

(c) Exhibits.

The following Exhibit is filed as part of this report:

Exhibit 99.1 Press release dated September 27, 2004.

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SIGNATURE

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

ASTORIA FINANCIAL CORPORATION
By:	/s/ Peter J. Cunningham
	Peter J. Cunningham First Vice President and Director of Investor Relations

Dated: September 30 , 2004

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EXHIBIT INDEX

Exhibit Number	Description
99.1	Press release dated September 27, 2004.

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EX-99.1

	Contact:	Peter J. Cunningham
		First Vice President, Investor Relations
		516-327-7877
FOR IMMEDIATE RELEASE		ir@astoriafederal.com

ASTORIA FINANCIAL CORPORATION TO ANNOUNCE THIRD QUARTER
EARNINGS & HOST CONFERENCE CALL ON OCTOBER 21, 2004

Lake Success, New York, September 27, 2004 — Astoria Financial Corporation (NYSE: AF), announced that it expects to report third quarter earnings on Thursday, October 21, 2004 at approximately 8:00 a.m. Eastern Time (ET). A copy of the news release will be immediately available on its web site, www.astoriafederal.com.

     The Company also announced that George L. Engelke, Jr., Chairman, President & CEO of Astoria will host an earnings conference call on Thursday afternoon at 3:30 p.m. (ET), October 21, 2004.

Toll-free dial-in:	(800) 967-7140
International dial-in:	(719) 457-2629

     A simultaneous webcast of the conference call will also be available on the Company’s web site at www.astoriafederal.com and will be archived for one year.

     A telephone replay of the conference call will be available on October 21, 2004 from 7 p.m. through Friday, October 29, 2004, 11:59 p.m.

Replay # (Domestic):	(888) 203-1112 -	Passcode: 838648
Replay # (International):	(719) 457-0820 -	Passcode: 838648

     Astoria Financial Corporation, the holding company for Astoria Federal Savings and Loan Association with assets of $22.3 billion, is the third largest thrift institution headquartered in New York and sixth largest in the United States. Astoria Federal embraces its philosophy of Putting people first by providing its 700,000 customers and the local communities it serves with quality financial products and services through 86 convenient banking office locations and multiple delivery channels, including its enhanced website, www.astoriafederal.com. Astoria commands the third largest deposit market share in the attractive Long Island market, which includes Brooklyn, Queens, Nassau and Suffolk counties with a population exceeding that of 39 individual states. Astoria originates mortgage loans through its banking offices and loan production offices in New York, an extensive broker network in nineteen states, primarily the East Coast, and through correspondent relationships in forty-four states.

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