SEC Form 4

FORM 4		UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934 or Section 30(h) of the Investment Company Act of 1940	OMB APPROVAL OMB Number: 3235-0287 Estimated average burden hours per response: 0.5
	Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

1. Name and Address of Reporting Person* KUPFERBERG MAX L (Last) (First) (Middle) 615 MERRICK AVENUE (Street) WESTBURY NY 11590 (City) (State) (Zip)	2. Issuer Name and Ticker or Trading Symbol NEW YORK COMMUNITY BANCORP INC [ (NYB) ]	5. Relationship of Reporting Person(s) to Issuer (Check all applicable) X Director 10% Owner Officer (give title below) Other (specify below)
	3. Date of Earliest Transaction (Month/Day/Year) 10/31/2003
	4. If Amendment, Date of Original Filed (Month/Day/Year)	6. Individual or Joint/Group Filing (Check Applicable Line) X Form filed by One Reporting Person Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	10/31/2003		A		33,750	A	$0(1)	387,283	I	As Partner(2)
Common Stock	10/31/2003		A		794	A	$0(3)	78,592	I	By Spouse(4)
Common Stock								787,868(5)	D
Common Stock								13,333	I	As Administrator of HK IRA Rollover(6)
Common Stock								761,866	I	As shareholder of the Max K One LLC(7)
Common Stock								139,333	I	By Kupferberg Foundation(8)
Common Stock								30,666	I	Max & Selma Kupferberg Foundation(9)
Common Stock								2,000	I	Trustee for EW of JK FBO LC(10)
Common Stock								2,000	I	Trustee for EW of JK FBO MK(10)
Common Stock								202,500	I	Trustee for GST(11)
Common Stock								43,792	I	Trustee for JK NEM Trust(12)
Common Stock								46,666	I	Trustee for KK NEM Trust(13)
Common Stock								607,500	I	Trustee for KPT(14)
Common Stock								202,500	I	Trustee for KRT(11)

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Option to Purchase Common Stock	$20.55(15)							07/24/2002	01/24/2012	Common Stock	162,000		162,000(15)	D
Option to Purchase Common Stock	$18.46(16)							07/24/2003	07/24/2012	Common Stock	11,333		11,333(16)	D
Option to Purchase Common Stock	$18.46(16)							07/24/2004	07/24/2012	Common Stock	11,333		11,333(16)	D
Option to Purchase Common Stock	$18.46(16)							07/24/2005	07/24/2012	Common Stock	11,334		11,334(16)	D

Explanation of Responses:

1. Received in exchange for 45,000 shares of Roslyn Bancorp, Inc. common stock in connection with merger of Roslyn Bancorp, Inc. (''RSLN'') into New York Community Bancorp, Inc. (''NYB'') (the ''Merger''). On the effective date of the Merger, the closing price of RSLN's common stock was $27.05 per share, and the closing price of NYB's common stock was $36.20 per share.

2. On May 21, 2003, the common stock of New York Community Bancorp, Inc. split 4-for-3, resulting in the reporting person's acquisition of 88,383 additional shares of common stock.

3. Received in exchange for 1,059 shares of Roslyn Bancorp, Inc. common stock in connection with merger of Roslyn Bancorp, Inc. (''RSLN'') into New York Community Bancorp, Inc. (''NYB'') (the ''Merger''). On the effective date of the Merger, the closing price of RSLN's common stock was $27.05 per share, and the closing price of NYB's common stock was $36.20 per share.

4. On May 21, 2003, the common stock of New York Community Bancorp, Inc. split 4-for-3, resulting in the reporting person's acquisition of 19,449 additional shares of common stock.

5. On May 21, 2003, the common stock of New York Community Bancorp, Inc. split 4-for-3, resulting in the reporting person's acquisition of 196,967 additional shares of common stock.

6. On May 21, 2003, the common stock of New York Community Bancorp, Inc. split 4-for-3, resulting in the reporting person's acquisition of 3,333 additional shares of common stock.

7. On May 21, 2003, the common stock of New York Community Bancorp, Inc. split 4-for-3, resulting in the reporting person's acquisition of 190,466 additional shares of common stock.

8. On May 21, 2003, the common stock of New York Community Bancorp, Inc. split 4-for-3, resulting in the reporting person's acquisition of 34,833 additional shares of common stock.

9. On May 21, 2003, the common stock of New York Community Bancorp, Inc. split 4-for-3, resulting in the reporting person's acquisition of 7,666 additional shares of common stock.

10. On May 21, 2003, the common stock of New York Community Bancorp, Inc. split 4-for-3, resulting in the reporting person's acquisition of 500 additional shares of common stock.

11. On May 21, 2003, the common stock of New York Community Bancorp, Inc. split 4-for-3, resulting in the reporting person's acquisition of 50,625 additional shares of common stock.

12. On May 21, 2003, the common stock of New York Community Bancorp, Inc. split 4-for-3, resulting in the reporting person's acquisition of 10,948 additional shares of common stock.

13. On May 21, 2003, the common stock of New York Community Bancorp, Inc. split 4-for-3, resulting in the reporting person's acquisition of 11,666 additional shares of common stock.

14. On May 21, 2003, the common stock of New York Community Bancorp, Inc. split 4-for-3, resulting in the reporting person's acquisition of 151,875 additional shares of common stock.

15. This option was previously reported as covering 121,500 shares at an exercise price of $27.405 per share, but was adjusted to reflect a stock split on May 21, 2003. Options automatically granted pursuant to the reload feature of the New York Community Bancorp, Inc. (''NYCB'') 1997 Stock Option Plan that were exercisable beginning on July 24, 2002.

16. This option was previously reported as covering 8,500 shares at an exercise price of $24.61 per share, but was adjusted to reflect a stock split on May 21, 2003.

Remarks:

	By: Ilene Angarola, Power of Attorney	11/04/2003
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
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