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* RICCA MARK A (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) Director 10% Owner X Officer (give title below) Other (specify below) EVP and General Counsel
	3. Date of Earliest Transaction (Month/Day/Year) 11/12/2003
	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	11/12/2003		M		1,675	A	$11.53	42,516	D
Common Stock	11/12/2003		M		10,755	A	$8.3	53,271	D
Common Stock	11/12/2003		F		2,977	D	$36.475	50,294	D
Common Stock	11/12/2003		S		2,000	D	$36.62	48,294	D
Common Stock	11/12/2003		S		500	D	$36.66	47,794	D(1)
Common Stock								12,557	I	By ESOP(2)
Common Stock								15,424	I	By NYCB Employee Savings Plan(3)(4)(5)

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
Incentive Stock Option (right to buy)	$8.3(6)	11/12/2003		M			10,755	11/30/2000(8)	02/23/2008	Common Stock	10,755	$0	0	D
Incentive Stock Option (right to buy)	$11.53(7)	11/12/2003		M			1,675	01/18/2003(8)	01/18/2010	Common Stock	1,675	$0	0	D
Incentive Stock Option (right to buy)	$11.53(9)							01/18/2004(8)	01/18/2010	Common Stock	8,675		8,675(9)	D
Non-Qualified Stock Option (right to buy)	$8.3(10)							11/30/2000(8)	02/23/2008	Common Stock	24,665		24,665(10)	D
Non-Qualified Stock Option (right to buy)	$11.53(11)							01/18/2002(8)	01/18/2010	Common Stock	6,325		6,325(11)	D
Non-Qualified Stock Option (right to buy)	$11.53(11)							01/18/2003(8)	01/18/2010	Common Stock	6,325		6,325(11)	D
Non-Qualified Stock Option (right to buy)	$11.53(11)							01/18/2004(8)	01/18/2010	Common Stock	6,325		6,325(11)	D
Non-Qualified Stock Option (right to buy)	$16.67(12)							12/21/2002(15)	12/21/2011	Common Stock	20,000		20,000(12)	D
Non-Qualified Stock Option (right to buy)	$18.46(13)							07/24/2003(16)	07/24/2012	Common Stock	40,000		40,000(13)	D
Non-Qualified Stock Option (right to buy)	$21.41(14)							01/21/2004(17)	01/21/2013	Common Stock	80,000		80,000(14)	D

Explanation of Responses:

1. 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 10,210 additional shares of common stock.

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 3,139 additional shares of common stock.

3. 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 3,780 additional shares of common stock.

4. For purposes of this report, units in the 401(k) plan have been converted into an approximate number of shares of New York Community Bancorp, Inc. ("NYCB") common stock. The actual number of shares held by the reporting person in this account may vary when such units are actually converted into shares upon distribution of the units to the reporting person.

5. This form reflects increases in beneficial ownership resulting from exempt acquisitions under the NYCB Employee Savings Plan pursuant to Rule 16b-3(c).

6. This option was previously reported as covering 8,066 shares at an exercise price of $11.06 per share, but was adjusted to reflect a stock split on May 21, 2003.

7. This option was previously reported as covering 1,256 shares at an exercise price of $15.37 per share, but was adjusted to reflect a stock split on May 21, 2003.

8. Options to purchase shares granted under the Haven Bancorp, Inc. 1996 Stock Option Plan.

9. This option was previously reported as covering 6,506 shares at an exercise price of $15.37 per share, but was adjusted to reflect a stock split on May 21, 2003.

10. This option was previously reported as covering 18,499 shares at an exercise price of $11.06 per share, but was adjusted to reflect a stock split on May 21, 2003.

11. This option was previously reported as covering 4,744 shares at an exercise price of $15.37 per share, but was adjusted to reflect a stock split on May 21, 2003.

12. This option was previously reported as covering 15,000 shares at an exercise price of $22.23 per share, but was adjusted to reflect a stock split on May 21, 2003.

13. This option was previously reported as covering 30,000 shares at an exercise price of $24.61 per share, but was adjusted to reflect a stock split on May 21, 2003.

14. This option was previously reported as covering 60,000 shares at an exercise price of $28.54 per share, but was adjusted to reflect a stock split on May 21, 2003.

15. Options granted under the New York Community Bancorp, Inc. 1997 Stock Option Plan that vest in three equal annual installments beginning on December 21, 2002.

16. Options granted pursuant to the New York Community Bancorp, Inc. 1997 Stock Option Plan vest in three equal annual installments commencing on July 24, 2003.

17. Options granted pursuant to the New York Community Bancorp, Inc. 1997 Stock Option Plan vest in three equal annual installments commencing on January 21, 2004.

Remarks:

	/s/ Ricca, Mark A.	11/13/2003
	** 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).
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