X0201 4 2003-12-05 0 0000755933 INTERCHANGE FINANCIAL SERVICES CORP /NJ/ IFCJ 0001089672 FICCA DAVID R 296 FEATHER LANE FRANKLIN LAKES NJ 07417 1 0 0 0 Common Stock 24451 D Common Stock 2003-12-05 4 G 0 2000 D 97099 I By Spouse Common Stock 2533 I By Foundation Gift Disclaim beneficial ownership in Foundation shares David R. Ficca 2003-12-08