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)               February 20, 2004
FLUSHING FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter)
000-24272
(Commission File Number)
DELAWARE
(State or other jurisdiction of incorporation)
11-3209278
(I.R.S. Employer Identification Number)
144-51 NORTHERN BOULEVARD FLUSHING, NEW YORK 11354
(Address of principal executive offices)
(718) 961-5400
(Registrant's telephone number, including area code)
Not Applicable
(Former name or former address, if changed since last report)

Item 9.    Regulation FD Disclosure

    Flushing Financial Corporation (Nasdaq: FFIC) today announced that, through arrangements with Wall Street Transcripts and FTN Midwest Research, it will make presentations to several institutional and individual investors. The presentation will be available on the Company's website, www.flushingsavings.com, at 9:00 AM on Tuesday, February 24, 2004, and will remain available through March 31, 2004.

Item 7(c).     Exhibits

99.1. Press release of Flushing Financial Corporation, dated February 20, 2004.

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.

Date:   February 20, 2004

	FLUSHING FINANCIAL CORPORATION
By:	/s/ Michael J. Hegarty
Name:	Michael J. Hegarty
Title:	President & Chief Executive Officer

INDEX TO EXHIBITS

Exhibit		Page
99.1	Press release of Flushing Financial Corporation,
	dated February 20, 2004	5