8-K

                                 UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 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): September 20, 2005

                         NORTH FORK BANCORPORATION, INC.
               --------------------------------------------------
               (Exact Name of Registrant as Specified in Charter)


          Delaware                      1-10458                  36-3154608
- ----------------------------    ------------------------     -------------------
(State or Other Jurisdiction    (Commission File Number)      (I.R.S. Employer
     of Incorporation)                                       Identification No.)


      275 Broadhollow Road Melville, New York                       11747
      ---------------------------------------                     ----------
      (Address of Principal Executive Offices)                    (Zip Code)


              (Registrant's Telephone Number, Including Area Code)
                                 (631) 844-1004


                                 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 (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))



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ITEM 8.01 Other Events

     North Fork Bancorporation, Inc. issued a press release on September 20,
2005 (See Exhibit 99.1) announcing that S&P affirmed its ratings and revised its
outlook to Positive. An excerpt from the S&P release is as follows: "Standard &
Poor's Ratings Services said today that it affirmed its ratings on Long Island,
N.Y.- based North Fork Bancorp and its subsidiaries, including its `BBB+/A-2'
counterparty credit rating on North Fork. At the same time, the outlook was
revised to positive from stable."

ITEM 9.01 Financial Statements and Exhibits

     (c) Exhibits

           99.1     Press Release issued on September 20, 2005.


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                                    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: September 20, 2005


NORTH FORK BANCORPORATION, INC.


By:


/s/ Daniel M. Healy
- -----------------------------
Daniel M. Healy
Executive Vice President
Chief Financial Officer


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EX-99.1

Exhibit 99.1
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                               NORTH FORK BANCORP
   275 Broadhollow Road, Melville, NY 11747 (631) 844-1258 FAX (631) 844-1471


FOR IMMEDIATE RELEASE                   Contact:  Daniel M. Healy
                                                  Executive Vice President
                                                  Chief Financial Officer
                                                  (631) 844-1258


                             S&P UPGRADES NORTH FORK

     Melville, N.Y. - September 20, 2005 - North Fork Bancorporation, Inc.
(NYSE: NFB) announced today that S&P affirmed its ratings and revised its
outlook to Positive. An excerpt from the S&P release is as follows: "Standard &
Poor's Ratings Services said today that it affirmed its ratings on Long Island,
N.Y.- based North Fork Bancorp and its subsidiaries, including its `BBB+/A-2'
counterparty credit rating on North Fork. At the same time, the outlook was
revised to positive from stable."

     The outlook revision acknowledged the smooth integration of the October
2004 GreenPoint Financial acquisition, and positive momentum for the company's
core deposit and loan growth. "GreenPoint doubled North Fork's asset base;
strengthened its franchise with leading deposit market shares in Suffolk,
Nassau, and Queens counties; and complemented its commercial-oriented focus,"
according to S&P. The release noted the positive impact on geographic diversity
that GreenPoint's national mortgage banking subsidiary had on North Fork.

     The release also cited the company's continued strong asset quality and the
successful incorporation of GreenPoint's mortgage bank into its consolidated
corporate strategy. S&P concluded by identifying the following factors which
could lead to a rating upgrade: "If asset quality and improved capital measures
are maintained, and earnings trends remain good, ratings could be raised."

     Complete ratings information is available to subscribers of RatingsDirect,
Standard & Poor's Web-based credit analysis system, at www.ratingsdirect.com.
All ratings affected by this rating action can be found on Standard & Poor's
public Web site at www.standardandpoors.com.

     North Fork is a regional bank holding company headquartered in New York
with approximately $60 billion in assets conducting commercial and retail
banking from 360 branch locations in the Tri-State area with a complementary
national mortgage banking business.