X0201 3 2004-01-21 0 0001240581 CLIFTON SAVINGS BANCORP INC CSBK 0001245603 PIANO CHRISTINE R 1433 VAN HOUTEN AVENUE CLIFTON NJ 07015 0 1 0 0 CFO and Treasurer NO SECURITIES OWNED 0 D /s/ Piano, Christine R. 2004-01-21