SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT

                       Pursuant to Section 13 or 15(d) of
                       the Securities Exchange Act of 1934

       Date of Report (Date of earliest event reported): November 27, 2007
                                                         -------------------


                         United Financial Bancorp, Inc.
                         ------------------------------
             (Exact name of registrant as specified in its charter)


          Maryland                      333-144245            Being Applied For
----------------------------      ---------------------     --------------------
(State or other jurisdiction      (Commission File No.)     (I.R.S. Employer
    of incorporation)                                       Identification No.)


                                  95 Elm Street
                      West Springfield, Massachusetts                01089
                      -------------------------------                -----
                 (Address of principal executive office)          (Zip code)


Registrant's telephone number, including area code:  (413) 787-1700
                                                     --------------



                                 Not Applicable
          ------------------------------------------------------------
          (Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K is intended to simultaneously
satisfy the filing obligation of the registrant under any of the following
provisions:
 X Written communications pursuant to Rule 425 under the Securities Act (17 CFR
---
230.425)
   Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
---
240.14a-12)
   Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange
---
Act (17 CFR 240.14d-2(b))
   Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange
---
Act (17 CFR 240.13e-4 (c))



Item 8.01         Other Events.
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     On November 27, 2007,  United  Financial  Bancorp,  Inc., a recently formed
Maryland  corporation (the  "Company"),  the proposed holding company for United
Bank and  successor  company  for  United  Financial  Bancorp,  Inc.,  a Federal
corporation ("United Financial-Federal"), issued a press release announcing that
it has completed the syndicated offering portion of its second step conversion.

     The  Company  also  announced  today  that it  anticipates  that a total of
9,562,500 shares will be sold in the subscription  offering,  community offering
and  syndicated  offering  combined.  In addition,  upon the  completion  of the
conversion   and   stock   offering,   each   public   stockholder   of   United
Financial-Federal  will receive 1.04056 shares of the Company's  common stock in
exchange for each of his or her shares of United Financial-Federal common stock.
The Company also announced that it has received the regulatory,  stockholder and
depositor  approvals  necessary  to complete  the  second-step  conversion.  The
transaction  is  scheduled  to close on December  3, 2007,  at which time United
Mutual Holding Company will cease to exist.

     A copy of the  press  release  dated  November  27,  2007,  which  provides
additional information, is attached as Exhibit 99.1 to this report.

Item 9.01.                 Financial Statements and Exhibits.

        (a) Not Applicable.

        (b) Not Applicable.

        (c) Exhibits.

                  Exhibit No.              Description
                  -----------              -----------

                       99.1                Press release dated November 27, 2007
















                                   SIGNATURES

     Pursuant to the  requirements  of the Securities  Exchange Act of 1934, the
Registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned, hereunto duly authorized.

                                                  UNITED FINANCIAL BANCORP, INC.


DATE:  November 27, 2007                By: /s/ Richard B. Collins
       -----------------------------       -------------------------------------
                                           Richard B. Collins
                                           President and Chief Executive Officer










                                                                   Exhibit 99.1
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