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)               October 25, 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)
1979 MARCUS AVENUE, SUITE E140, LAKE SUCCESS, NEW YORK 11042
(Address of principal executive offices)
(718) 961-5400
(Registrant's telephone number, including area code)
144-51 NORTHERN BOULEVARD FLUSHING, NEW YORK 11354
(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:

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

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

( )       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))

Item 7.01    Regulation FD Disclosure

     Flushing Financial Corporation (Nasdaq: FFIC), the parent holding company for Flushing Savings Bank,FSB (the "Bank"), announced that, through an arrangement with Sidoti & Company, LLC, it will make presentations to several institutional investors on October 28, 2004. Attached as Exhibit 99.1 is the Company's press release dated October 25, 2004.

Item 9.01(c).    Exhibits

99.1. Press release of Flushing Financial Corporation, dated October 25, 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:   October 25, 2004

	FLUSHING FINANCIAL CORPORATION
By:	/s/ John R. Buran
Title:	Executive Vice President and
	Chief Operating Officer

INDEX TO EXHIBITS

Exhibit		Page
99.1	Press release of Flushing Financial Corporation,
	dated October 25, 2004	5

EX-99

EXHIBIT 99.1.
Press release of Flushing Financial Corporation, dated October 25, 2004

CONTACT:

David Fry	Van Negris / Lexi Terrero
Senior Vice President and	Van Negris & Company, Inc.
Chief Financial Officer	(212) 626-6730
Flushing Financial Corporation
(718) 961-5400

FOR IMMEDIATE RELEASE

Flushing Financial to Speak to Institutional Investors

FLUSHING, NY - October 25, 2004 - Flushing Financial Corporation (Nasdaq: FFIC), the parent holding company for Flushing Savings Bank,FSB (the "Bank"), today announced that, through an arrangement with Sidoti & Company, LLC, it will make presentations to several institutional investors.

John R. Buran, Flushing Financial's Executive Vice President and Chief Operating Officer, will make the presentations in Boston on October 28, 2004.

WHO	Flushing Financial Corporation is the holding company for Flushing Savings Bank, FSB, a federally chartered stock savings bank insured by the Federal Deposit Insurance Corporation (FDIC). The Bank conducts its business through eleven banking offices located in Queens, Brooklyn, Manhattan, Bronx and Nassau County.
WHAT	Presentations to several institutional investors through an arrangement with Sidoti and Company, LLC.
WHEN/WHERE	Boston on October 28, 2004.
PRESENTATION	The presentation will focus on the Company's 2004 performance and its strategic operating objectives. The presentation will be available on the Company's website, www.flushingsavings.com on Thursday, October 28, 2004, and will remain available through November 30, 2004.
RECENT NEWS	October 19, 2004 - Flushing Financial Corporation Reports 2004 Third Quarter and Nine Months Ended Results. August 17, 2004 - Flushing Financial Corporation Declares Quarterly Dividend and Announces Twelfth Stock Repurchase Program. July 20, 2004 - Flushing Financial Corporation Reports 2004 Second Quarter and First Half Results.

"Safe Harbor" Statement under the Private Securities Litigation Reform Act of 1995: Statements in this Press Release relating to plans, strategies, economic performance and trends, projections of results of specific activities or investments and other statements that are not descriptions of historical facts may be forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Forward-looking information is inherently subject to risks and uncertainties, and actual results could differ materially from those currently anticipated due to a number of factors, which include, but are not limited to, risk factors discussed in the Company's Annual Report on Form 10-K and in other documents filed by the Company with the Securities and Exchange Commission from time to time. Forward-looking statements may be identified by terms such as "may", "will", "should", "could", "expects", "plans", "intends", "anticipates", "believes", "estimates", "predicts", "forecasts", "potential" or "continue" or similar terms or the negative of these terms. Although we believe that the expectations reflected in the forward-looking statements are reasonable, we cannot guarantee future results, levels of activity, performance or achievements. The Company has no obligation to update these forward-looking statements.

Additional information on Flushing Financial Corporation may be obtained by visiting the Company's web site at http://www.flushingsavings.com.

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