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


                                 August 3, 2006
            ---------------------------------------------------------
                                 Date of Report
                        (Date of earliest event reported)


                             Kearny Financial Corp.
             ---------------------------------------------------------
             (Exact name of Registrant as specified in its Charter)


        United States                   0-51093             22-3803741
 ----------------------------       ---------------        -------------
 (State or other jurisdiction       (SEC Commission        (IRS Employer
     of incorporation)                  File No.)          Identification
                                                               Number)


120 Passaic Avenue, Fairfield, New Jersey                      07004
-----------------------------------------                    ----------
(Address of principal executive offices)                     (Zip Code)

Registrant's telephone number, including area code: (973)244-4500
                                                    -------------

                                 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:

___  Written communications pursuant to Rule 425 under the Securities Act
___  Soliciting material pursuant to Rule 14a-12 under the Exchange Act
___  Pre-commencement   communications  pursuant  to  Rule  14d-2(b)  under  the
     Exchange Act
___  Pre-commencement   communications  pursuant  to  Rule  13e-4(c)  under  the
     Exchange Act







                             KEARNY FINANCIAL CORP.


                      INFORMATION TO BE INCLUDED IN REPORT
                      ------------------------------------

Item 2.02         Results of Operation and Financial Condition
                  --------------------------------------------

         On August 3,  2006,  the  Registrant  issued a press  release to report
earnings for the quarter  ended June 30,  2006.  A copy of the press  release is
furnished with this Form 8-K as an exhibit.


Item 9.01         Financial Statements and Exhibits
                  ---------------------------------
             (d)  Exhibits:

                  99       Press Release dated August 3, 2006















                                   SIGNATURES


         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.


                                        KEARNY FINANCIAL CORP.





Date: August 4, 2006             By:    /s/Craig L. Montanaro
                                        -----------------------------------
                                        Craig L. Montanaro
                                        Senior  Vice President and Director of
                                        Strategic Planning