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<TITLE>SECURITIES AND EXCHANGE COMMISSION</TITLE>
<META NAME="author" CONTENT="Kenneth Ceonzo">
<META NAME="date" CONTENT="10/21/2004">
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<P style="margin:0pt; line-height:17pt; font-family:Times New Roman; font-size:15pt" align=center><B>UNITED STATES</B></P>
<P style="margin:0pt; line-height:17pt; font-family:Times New Roman; 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:Times New Roman; 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:Times New Roman; font-size:14pt" align=center><B>FORM 8-K</B></P>
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<P style="margin:0pt; line-height:16pt; font-family:Times New Roman; font-size:14pt" align=center><B>CURRENT REPORT</B></P>
<P style="margin:0pt; line-height:14pt; font-family:Times New Roman; 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:Times New Roman; 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:Times New Roman; font-size:12pt" align=center>Date of Report (Date of earliest event reported): &nbsp;October 21, 2004</P>
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<P style="margin:0pt; line-height:15pt; font-family:Times New Roman; 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:Times New Roman; 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:Times New Roman; 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:Times New Roman; 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:Times New Roman; 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:Times New Roman; 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:Times New Roman; font-size:8pt" align=center>(IRS Employer </P>
<P style="margin:0pt; line-height:10pt; font-family:Times New Roman; font-size:8pt" align=center>Identification No.)</P>
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<P style="margin:0pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=center><B>209 Havemeyer Street, Brooklyn, New York &nbsp;&nbsp;11211</B></P>
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<P style="margin:0pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=center>Registrant's telephone number, including area code: &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(718) 782-6200</P>
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<P style="margin:0pt; line-height:14pt; font-family:Times New Roman; font-size:12pt" align=center><B>None</B></P>
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<P style="margin:0pt; line-height:14pt; font-family:CG Times (W1); font-size:12pt"><B>Item 5.05 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Amendments to the Registrant's Code of Ethics</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 21, 2004, the Company amended its Business Code of Ethics to indicate that it and its subsidiaries will not advance loans to Directors, executive/senior officers, principal shareholders or their immediate families.</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/ &nbsp;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 21, 2004</P>
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{"company-data": {"conformed-name": "DIME COMMUNITY BANCSHARES INC", "cik": "0001005409", "assigned-sic": "6035", "irs-number": "113297463", "state-of-incorporation": "DE", "fiscal-year-end": "0630"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-27782", "film-number": "041089951"}, "business-address": {"street1": "209 HAVEMEYER ST", "street2": "C/O DIME SAVINGS BANK OF WILLIAMSBURGH", "city": "BROOKLYN", "state": "NY", "zip": "11211", "phone": "7187826200"}, "mail-address": {"street1": "209 HAVEMEYER STREET", "city": "BROOKLYN", "state": "NY", "zip": "11211"}, "former-company": {"former-conformed-name": "DIME COMMUNITY BANCORP INC", "date-changed": "19951227"}}
SECURITIES AND EXCHANGE COMMISSION
UNITED STATES
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 21, 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)
Item 5.05       Amendments to the Registrant's Code of Ethics
On October 21, 2004, the Company amended its Business Code of Ethics to indicate that it and its subsidiaries will not advance loans to Directors, executive/senior officers, principal shareholders or their immediate families.
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 21, 2004