X0202 5 2004-12-31 0 0 0 0000755933 INTERCHANGE FINANCIAL SERVICES CORP /NJ/ IFCJ 0001228658 CALABRESE GERALD A PARK 80 WEST, PLAZA TWO SADDLE BROOK NJ 07663 1 0 0 0 Common Stock 140501 D Common Stock 1937 I Cust/Child Includes 2,825.7 shares of IFCJ common stock acquired under the IFCJ dividend reinvestment plan between January 1 and December 31, 2004. Includes 38.9 shares of IFCJ common stock acquired under the IFCJ dividend reinvestment plan between January 1 and December 31, 2004. Gerald Calabrese 2005-01-26