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) AUGUST 16, 1999
                   -------------------------------------



                      NORTH FORK BANCORPORATION, INC.

             (EXACT NAME OF REGISTRANT AS SPECIFIED IN CHARTER)


       DELAWARE                   1-10458                   36-3154608
----------------------    ------------------------   -----------------------
(STATE OR OTHER           (COMMISSION FILE NUMBER)     (I.R.S. EMPLOYER
  JURISDICTION                                           IDENTIFICATION NO.)
 OF INCORPORATION)


    275 BROAD HOLLOW ROAD MELVILLE, NEW YORK              11747
    ----------------------------------------            --------
    (ADDRESS OF PRINCIPAL EXECUTIVE OFFICES)           (ZIP CODE)



(REGISTRANT'S TELEPHONE NUMBER, INCLUDING AREA CODE)      (516) 844-1004
                                                    ------------------------


ITEM 5.     OTHER EVENTS


            On August 16, 1999, North Fork Bancorporation, Inc., a Delaware
corporation (the "Registrant"), announced that it had entered into an
Agreement and Plan of Merger (the "Merger Agreement") with JSB Financial,
Inc., a Delaware corporation ("JSB"), pursuant to which JSB will merge with
and into the Registrant (the "Merger").

            The press release issued by the Registrant with respect to the
announcement of the proposed Merger is attached hereto as Exhibit 99.1 and
is incorporated herein by reference in its entirety. Also attached hereto
as Exhibit 99.2 and incorporated herein by reference is the presentation to
be given by the Registrant to investment analysts on August 17, 1999 with
respect to the proposed Merger.

            The press release and the analyst presentation incorporated
herein by reference contain certain forward looking statements with respect
to the financial condition, results of operations and business of the
Registrant following the consummation of the Merger, including statements
relating to (a) the cost savings, revenue enhancements and other
efficiencies that are expected to be realized as a result of the Merger and
(b) estimated pro forma 2000 earnings per share. Factors that may cause
actual results to differ materially from those contemplated by such forward
looking statements include, among others, the following possibilities: (1)
expected cost savings, revenue enhancements or other efficiencies from the
Merger cannot be fully realized; (2) deposit attrition, customer loss or
revenue loss following the Merger is greater than expected; (3) competitive
pressure in the banking and financial services industry increases
significantly; (4) changes in the interest rate environment reduce margins;
and (5) general economic conditions, either nationally or in New York, are
less favorable than expected.


ITEM 7.     FINANCIAL STATEMENT AND EXHIBITS

(c)   Exhibits

            99.1        Press Release issued by North Fork Bancorporation,
                        Inc. on August 16, 1999

            99.2        Analyst Presentation


                                SIGNATURE


            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.

                                          NORTH FORK
                                             BANCORPORATION, INC.


                                          By: /s/ Daniel M. Healy
                                             Name:  Daniel M. Healy
                                             Title: Executive Vice President
                                                    and Chief Financial Officer



Date: August 16, 1999




                               EXHIBIT INDEX



Exhibit
Number                  Description

99.1                    Press Release issued by North Fork Bancorporation,
                        Inc. on August 16, 1999

99.2                    Analyst Presentation
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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) AUGUST 16, 1999
                   -------------------------------------

                      NORTH FORK BANCORPORATION, INC.

             (EXACT NAME OF REGISTRANT AS SPECIFIED IN CHARTER)

       DELAWARE                   1-10458                   36-3154608
----------------------    ------------------------   -----------------------
(STATE OR OTHER           (COMMISSION FILE NUMBER)     (I.R.S. EMPLOYER
  JURISDICTION                                           IDENTIFICATION NO.)
 OF INCORPORATION)

    275 BROAD HOLLOW ROAD MELVILLE, NEW YORK              11747
    ----------------------------------------            --------
    (ADDRESS OF PRINCIPAL EXECUTIVE OFFICES)           (ZIP CODE)

(REGISTRANT'S TELEPHONE NUMBER, INCLUDING AREA CODE)      (516) 844-1004
                                                    ------------------------

ITEM 5.     OTHER EVENTS

            On August 16, 1999, North Fork Bancorporation, Inc., a Delaware
corporation (the "Registrant"), announced that it had entered into an
Agreement and Plan of Merger (the "Merger Agreement") with JSB Financial,
Inc., a Delaware corporation ("JSB"), pursuant to which JSB will merge with
and into the Registrant (the "Merger").

            The press release issued by the Registrant with respect to the
announcement of the proposed Merger is attached hereto as Exhibit 99.1 and
is incorporated herein by reference in its entirety. Also attached hereto
as Exhibit 99.2 and incorporated herein by reference is the presentation to
be given by the Registrant to investment analysts on August 17, 1999 with
respect to the proposed Merger.

            The press release and the analyst presentation incorporated
herein by reference contain certain forward looking statements with respect
to the financial condition, results of operations and business of the
Registrant following the consummation of the Merger, including statements
relating to (a) the cost savings, revenue enhancements and other
efficiencies that are expected to be realized as a result of the Merger and
(b) estimated pro forma 2000 earnings per share. Factors that may cause
actual results to differ materially from those contemplated by such forward
looking statements include, among others, the following possibilities: (1)
expected cost savings, revenue enhancements or other efficiencies from the
Merger cannot be fully realized; (2) deposit attrition, customer loss or
revenue loss following the Merger is greater than expected; (3) competitive
pressure in the banking and financial services industry increases
significantly; (4) changes in the interest rate environment reduce margins;
and (5) general economic conditions, either nationally or in New York, are
less favorable than expected.

ITEM 7.     FINANCIAL STATEMENT AND EXHIBITS

(c)   Exhibits

            99.1        Press Release issued by North Fork Bancorporation,
                        Inc. on August 16, 1999

            99.2        Analyst Presentation

                                SIGNATURE

            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.

                                          NORTH FORK
                                             BANCORPORATION, INC.

                                          By: /s/ Daniel M. Healy
                                             Name:  Daniel M. Healy
                                             Title: Executive Vice President
                                                    and Chief Financial Officer

Date: August 16, 1999

                               EXHIBIT INDEX

Exhibit
Number                  Description

99.1                    Press Release issued by North Fork Bancorporation,
                        Inc. on August 16, 1999

99.2                    Analyst Presentation