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* MANCINO JOSEPH L (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) X Director 10% Owner Officer (give title below) Other (specify below)
	3. Date of Earliest Transaction (Month/Day/Year) 11/30/2004
	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	09/16/2004		G	V	33,500	D	$0	216,998	D
Common Stock	11/30/2004		S		28,000(1)	D	$19.7118	188,998	D
Common Stock	11/30/2004		J(2)	V	70,078	A	$0	259,076	D
Common Stock	11/30/2004		F		37,332(3)	D	$19.785	221,744	D
Common Stock	09/10/2004		J(4)	V	7	A	$21.83	53,144	I	By 401(k)
Common Stock	09/28/2004		J(4)	V	8	A	$20.4	53,152	I	By 401(k)
Common Stock	10/14/2004		J(4)	V	8	A	$20.61	53,160	I	By 401(k)
Common Stock	10/27/2004		J(4)	V	8	A	$18.16	53,168	I	By 401(k)
Common Stock	11/12/2004		J(4)	V	8	A	$18.59	53,176	I	By 401(k)
Common Stock	11/23/2004		J(5)	V	684	A	$19.44	53,860	I	By 401(k)(6)
Common Stock	11/30/2004		J(2)	V	70,078	D	$0	0	I	By Stock Award III
Common Stock								101,239	I	By BRP
Common Stock								44,949	I	By ESOP
Common Stock								99,974	I	By Spouse

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
Stock Option (right to buy)	$15							09/02/1998(7)	09/02/2007	Common Stock	470,751		470,751	D
Stock Option (right to buy)	$18.4							06/26/2002(8)	06/26/2011	Common Stock	424,731		424,731	D
Stock Option (right to buy)	$21.35							06/25/2003(9)	06/25/2012	Common Stock	49,268		49,268	D

Explanation of Responses:

1. The reporting person sold 28,000 shares to satisfy tax obligations resulting from the exercise of stock options earlier in the year.

2. Since the reporting person's last report 70,078 shares previously held by Stock Award III have vested and are now owned directly.

3. The reporting person sold 37,332 shares to satisfy tax obligations resulting from the vesting of 70,078 shares which occurred on November 30, 2004.

4. This form reflects increases in beneficial ownership resulting from an exempt acquisition pursuant to Rule 16b-3(c).

5. This form reflects an increase in beneficial ownership resulting from dividend reinvestment pursuant to Rule 16a-11.

6. Previously reported in prior reports as NYCB 401(k).

7. Options granted pursuant to the Roslyn Bancorp, Inc. 1997 Stock-Based Incentive Plan were fully vested and exercisable as of September 2, 2002.

8. Options granted under the Roslyn Bancorp, Inc. 1997 Stock-Based Incentive Plan, including 5,436 that vest on June 26, 2005; 330,000 that vest in four equal annual installments beginning on June 26, 2002; and 89,295 that vest as follows: 26,399 on June 26, 2002; 20,966 on June 26, 2003; and 20,965 on June 26, 2004 and 2005.

9. Options granted pursuant to the Roslyn Bancorp, Inc. 2001 Stock-Based Incentive Plan that vest in three equal annual installments beginning on June 25, 2003.

Remarks:

	/s/ Mancino, Joseph L.	12/01/2004
	** 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).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
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