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<TITLE>SECURITIES AND EXCHANGE COMMISSION</TITLE>
<META NAME="author" CONTENT="Kenneth Ceonzo">
<META NAME="date" CONTENT="10/12/2004">
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<P style="margin:0pt; line-height:17pt; font-family:CG Times (W1); font-size:15pt" align=center><B>SECURITIES AND EXCHANGE COMMISSION</B></P>
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<P style="margin:0pt; line-height:14pt; font-family:CG Times (W1); font-size:12pt" align=center><B>Washington, D.C. &nbsp;20549</B></P>
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<P style="margin:0pt; line-height:16pt; font-family:CG Times (W1); font-size:14pt" align=center><B>FORM 8-K</B></P>
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<P style="margin:0pt; line-height:16pt; font-family:CG Times (W1); font-size:14pt" align=center><B>CURRENT REPORT</B></P>
<P style="margin:0pt; line-height:14pt; font-family:CG Times (W1); font-size:12pt" align=center><B>PURSUANT TO SECTION 13 OR 15(d) OF THE</B></P>
<P style="margin:0pt; line-height:14pt; font-family:CG Times (W1); font-size:12pt" align=center><B>SECURITIES EXCHANGE ACT OF 1934</B></P>
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<P style="margin:0pt; line-height:14pt; font-family:CG Times (W1); font-size:12pt" align=center>Date of Report (Date of earliest event reported): &nbsp;October 8, 2004</P>
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<P style="margin:0pt; line-height:15pt; font-family:CG Times (W1); font-size:13pt" align=center><B>DIME COMMUNITY BANCSHARES, INC.</B></P>
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<TABLE cellspacing=0><TR><TD style="border-bottom:1.5pt solid #000000" valign=top width=195.2><P style="margin:0pt; line-height:14pt; font-family:CG Times (W1); font-size:12pt" align=center>Delaware</P>
</TD><TD valign=top width=39.2>&nbsp;</TD><TD style="border-bottom:1.5pt solid #000000" valign=top width=180.2><P style="margin:0pt; line-height:14pt; font-family:CG Times (W1); font-size:12pt" align=center>0-27782</P>
</TD><TD valign=top width=40.2>&nbsp;</TD><TD style="border-bottom:1.5pt solid #000000" valign=top width=163.2><P style="margin:0pt; line-height:14pt; font-family:CG Times (W1); font-size:12pt" align=center>11-3297463</P>
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<TR><TD valign=top width=195.2><P style="margin:0pt; line-height:10pt; font-family:CG Times (W1); font-size:8pt" align=center>(State or other jurisdiction of incorporation)</P>
</TD><TD valign=top width=39.2>&nbsp;</TD><TD valign=top width=180.2><P style="margin:0pt; line-height:10pt; font-family:CG Times (W1); font-size:8pt" align=center>(Commission File Number)</P>
</TD><TD valign=top width=40.2>&nbsp;</TD><TD valign=top width=163.2><P style="margin:0pt; line-height:10pt; font-family:CG Times (W1); font-size:8pt" align=center>(IRS Employer </P>
<P style="margin:0pt; line-height:10pt; font-family:CG Times (W1); font-size:8pt" align=center>Identification No.)</P>
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<P style="margin:0pt; line-height:14pt; font-family:CG Times (W1); font-size:12pt" align=center><B>209 Havemeyer Street, Brooklyn, New York &nbsp;&nbsp;11211</B></P>
<P style="margin:0pt; line-height:14pt; font-family:CG Times (W1); font-size:12pt" align=center>(Address of principal executive offices, including zip code)</P>
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<P style="margin-top:0pt; margin-bottom:-14pt; line-height:14pt; font-family:CG Times (W1); font-size:12pt" align=center>Registrant's telephone number, including area code:</P>
<P style="margin:0pt; text-indent:252pt; line-height:14pt; font-family:CG Times (W1); font-size:12pt" align=center>(718) 782-6200</P>
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<P style="margin:0pt; line-height:14pt; font-family:CG Times (W1); font-size:12pt" align=center><B>None</B></P>
<P style="margin:0pt; line-height:14pt; font-family:CG Times; font-size:12pt" align=center>(Former name or former address, if changed since last report)</P>
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<P style="margin-top:0pt; margin-bottom:-14pt; line-height:14pt; font-family:CG Times (W1); font-size:12pt"><B>Items 1 through 8.</B></P>
<B><P style="margin:0pt; text-indent:180pt; line-height:14pt; font-family:CG Times (W1); font-size:12pt">Not Applicable.</B></P>
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<P style="margin:0pt; line-height:14pt; font-family:CG Times (W1); font-size:12pt"><B>Item 7. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Financial Statements, Pro Forma Financial Information and Exhibits.</B></P>
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<P style="margin-top:0pt; margin-bottom:-14pt; text-indent:72pt; line-height:14pt; font-family:CG Times (W1); font-size:12pt">&nbsp;&nbsp;&nbsp;<B><U>&nbsp;Exhibit No.</U></B></P>
<B><U></U></B><P style="margin:0pt; text-indent:288pt; line-height:14pt; font-family:CG Times (W1); font-size:12pt"><B><U>Description</U></B></P>
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<P style="margin-top:0pt; margin-bottom:-14pt; padding-left:252pt; text-indent:-144pt; line-height:14pt; font-family:CG Times (W1); font-size:12pt">99</P>
<P style="margin:0pt; padding-left:252pt; line-height:14pt; font-family:CG Times (W1); font-size:12pt">News release issued on October 8, 2004</P>
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<P style="margin:0pt; line-height:14pt; font-family:CG Times (W1); font-size:12pt"><B>Item 9. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulation FD Disclosure.</B></P>
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<P style="margin:0pt; text-indent:36pt; line-height:14pt; font-family:CG Times (W1); font-size:12pt">On October 8, 2004, Dime Community Bancshares, Inc. issued a news release announcing the extension of the expiration date to October 22, 2004, of the exchange offer for the 7.0% capital securities being issued by Dime Community Capital Trust I.</P>
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<P style="margin:0pt; text-indent:36pt; line-height:14pt; font-family:CG Times (W1); font-size:12pt">A copy of this presentation is attached as Exhibit 99</P>
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<P style="margin:0pt; line-height:14pt; font-family:CG Times (W1); font-size:12pt" align=center><B>SIGNATURES</B></P>
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<P style="margin:0pt; line-height:14pt; font-family:CG Times (W1); font-size:12pt">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.</P>
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<P style="margin:0pt; padding-left:216pt; line-height:14pt; font-family:CG Times (W1); font-size:12pt"><B>DIME COMMUNITY BANCSHARES, INC.</B></P>
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<P style="margin:0pt; padding-left:216pt; line-height:15pt; font-family:CG Times (W1); font-size:13pt"><B>/s/ KENNETH J. MAHON</B></P>
<P style="margin:0pt; padding-left:153pt; line-height:15pt; font-family:CG Times (W1); font-size:13pt"><B>By: &nbsp;___________________________________________</B></P>
<P style="margin:0pt; padding-left:180pt; line-height:14pt; font-family:CG Times (W1); font-size:12pt">Kenneth J. Mahon</P>
<P style="margin:0pt; padding-left:180pt; line-height:14pt; font-family:CG Times (W1); font-size:12pt">Executive Vice President and Chief Financial Officer</P>
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<P style="margin:0pt; line-height:14pt; font-family:CG Times (W1); font-size:12pt">Dated: October 12, 2004</P>
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<P style="page-break-before:always; margin:0pt; line-height:14pt; font-family:CG Times (W1); font-size:12pt" align=center><B>EXHIBIT INDEX</B></P>
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<P style="margin-top:0pt; margin-bottom:-14pt; line-height:14pt; font-family:CG Times (W1); font-size:12pt"><B><U>Exhibit</U></B></P>
<B><P style="margin:0pt; text-indent:180pt; line-height:14pt; font-family:CG Times (W1); font-size:12pt"><U>Description</U></B></P>
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<P style="margin-top:0pt; margin-bottom:-14pt; padding-left:180pt; text-indent:-144pt; line-height:14pt; font-family:CG Times (W1); font-size:12pt">99</P>
<P style="margin:0pt; padding-left:180pt; line-height:14pt; font-family:CG Times (W1); font-size:12pt">News release issued on October 8, 2004.</P>
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SECURITIES AND EXCHANGE COMMISSION
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):  October 8, 2004
DIME COMMUNITY BANCSHARES, INC.
(Exact name of registrant as specified in its charter)
Delaware
0-27782
11-3297463
(State or other jurisdiction of incorporation)
(Commission File Number)
(IRS Employer
Identification No.)
209 Havemeyer Street, Brooklyn, New York   11211
(Address of principal executive offices, including zip code)
Registrant's telephone number, including area code:
(718) 782-6200
None
(Former name or former address, if changed since last report)
Items 1 through 8.
Not Applicable.
Item 7.       Financial Statements, Pro Forma Financial Information and Exhibits.
Exhibit No.
Description
99
News release issued on October 8, 2004
Item 9.       Regulation FD Disclosure.
On October 8, 2004, Dime Community Bancshares, Inc. issued a news release announcing the extension of the expiration date to October 22, 2004, of the exchange offer for the 7.0% capital securities being issued by Dime Community Capital Trust I.
A copy of this presentation is attached as Exhibit 99
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.
DIME COMMUNITY BANCSHARES, INC.
/s/ KENNETH J. MAHON
By:  ___________________________________________
Kenneth J. Mahon
Executive Vice President and Chief Financial Officer
Dated: October 12, 2004
EXHIBIT INDEX
Exhibit
Description
99
News release issued on October 8, 2004.