Ownership Submission
FORM 4
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940
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(Print or Type Responses)
1. Name and Address of Reporting Person *
MANCINO JOSEPH L
   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)
(Last)
(First)
(Middle)
615 MERRICK AVENUE		 3. Date of Earliest Transaction (Month/Day/Year)
11/30/2004
(Street)

WESTBURY, NY 11590		 4. If Amendment, Date 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
(City)
(State)
(Zip)
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

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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 Underlying Securities
(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 of Derivative Security: 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  

Reporting Owners

Reporting Owner Name / Address Relationships
 Director  10% Owner  Officer  Other
MANCINO JOSEPH L
615 MERRICK AVENUE
WESTBURY, NY 11590		   X      

Signatures

 /s/ Mancino, Joseph L.   12/01/2004
**Signature of Reporting Person Date

Explanation of Responses:

* 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).
(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.

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