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<B><FONT FACE="CG Times (W1),Times New Roman" SIZE=5><P ALIGN="CENTER">SECURITIES AND EXCHANGE COMMISSION</P>
</B></FONT><FONT FACE="CG Times (W1),Times New Roman"><P ALIGN="CENTER"></P>
<B><P ALIGN="CENTER">Washington, D.C.  20549</P>
</B>
<P>&nbsp;</P>
<P>&nbsp;</P>
<P>&nbsp;</P>
</FONT><B><FONT FACE="CG Times (W1),Times New Roman" SIZE=4><P ALIGN="CENTER">FORM 8-K</P>
</FONT><FONT FACE="CG Times (W1),Times New Roman" SIZE=1><P ALIGN="CENTER"></P>
</FONT><FONT FACE="CG Times (W1),Times New Roman" SIZE=4><P ALIGN="CENTER">CURRENT REPORT</P>
</FONT><FONT FACE="CG Times (W1),Times New Roman"><P ALIGN="CENTER">PURSUANT TO SECTION 13 OR 15(d) OF THE</P>
<P ALIGN="CENTER">SECURITIES EXCHANGE ACT OF 1934</P>
</B>
<P>&nbsp;</P>
<P>&nbsp;</P>
<P ALIGN="CENTER">Date of Report (Date of earliest event reported):  November 15, 2001</P>
<P ALIGN="CENTER"></P>
<P ALIGN="CENTER">&nbsp;</P>
</FONT><B><FONT FACE="CG Times (W1),Times New Roman" SIZE=4><P ALIGN="CENTER">DIME COMMUNITY BANCSHARES, INC.</P>
</B></FONT><FONT FACE="CG Times (W1),Times New Roman" SIZE=1><P ALIGN="CENTER">(Exact name of registrant as specified in its charter)</P>
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<P>&nbsp;</P>
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<FONT FACE="CG Times (W1),Times New Roman"><P ALIGN="CENTER">Delaware</FONT></TD>
<TD WIDTH="6%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="29%" VALIGN="TOP">
<FONT FACE="CG Times (W1),Times New Roman"><P ALIGN="CENTER">0-27782</FONT></TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="26%" VALIGN="TOP">
<FONT FACE="CG Times (W1),Times New Roman"><P ALIGN="CENTER">11-3297463</FONT></TD>
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<FONT FACE="CG Times (W1),Times New Roman" SIZE=1><P ALIGN="CENTER">(State or other jurisdiction of incorporation)</FONT></TD>
<TD WIDTH="6%" VALIGN="TOP">&nbsp;</TD>
<TD WIDTH="29%" VALIGN="TOP">
<FONT FACE="CG Times (W1),Times New Roman" SIZE=1><P ALIGN="CENTER">(Commission File Number)</FONT></TD>
<TD WIDTH="7%" VALIGN="TOP">&nbsp;</TD>
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<FONT FACE="CG Times (W1),Times New Roman" SIZE=1><P ALIGN="CENTER">(IRS Employer </P>
<P ALIGN="CENTER">Identification No.)</FONT></TD>
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<P>&nbsp;</P>
<B><P ALIGN="CENTER">209 Havemeyer Street, Brooklyn, New York   11211</P>
</B><P ALIGN="CENTER">(Address of principal executive offices, including zip code)</P>

<P ALIGN="CENTER">Registrant's telephone number, including area code:&#9;(718) 782-6200</P>

<P>&nbsp;</P>
<P>&nbsp;</P>
<B><P ALIGN="CENTER">None</P>
</B></FONT><FONT FACE="CG Times"><P ALIGN="CENTER">(Former name or former address, if changed since last report)</P>
</FONT><FONT FACE="CG Times (W1),Times New Roman" SIZE=1><P ALIGN="CENTER"></P>
</FONT><FONT FACE="CG Times (W1),Times New Roman"><P ALIGN="CENTER">&nbsp;</P>
<P ALIGN="CENTER">&nbsp;</P>
<B><P>Items 1 through 8.&#9;&#9;&#9;Not Applicable.</P>

<P>Item 9.       Regulation FD Disclosure.</P>
</B>
<P>&#9;On November 15, 2001, Dime Community Bancshares, Inc. held its Annual Shareholder Meeting.  At the Annual Shareholder Meeting, during management's "State of the Company" financial presentation, management noted that the Company would be instituting a Small Business Banking Service in December 2001. This service has been designed to provide a range of small business banking services such as merchant processing, unlimited check writing and quarterly business tax payment remittances.  The services will be offered to small businesses located in the neighborhoods surrounding our eighteen branch locations.  </P>
<P ALIGN="JUSTIFY"></P>
<P>&#9;Management also noted that its debit Mastercard program, initiated in September 2000, is currently generating $225,000 in annual fee income.  This level approximates the Company's target level of $250,000 at implementation.</P>

<B><P>&nbsp;</P>
<P ALIGN="CENTER">SIGNATURES</P>
</B>
<P>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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<B><P>DIME COMMUNITY BANCSHARES, INC.</P>
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<P>&nbsp;</P>
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<P>By:  ___________________________________________</P><DIR>

</B></FONT><FONT FACE="CG Times (W1),Times New Roman"><P>Kenneth J. Mahon</P>
<P>Executive Vice President and Chief Financial Officer</P>

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<P>Dated: November 16, 2001</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):  November 15, 2001
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 9.       Regulation FD Disclosure.
On November 15, 2001, Dime Community Bancshares, Inc. held its Annual Shareholder Meeting.  At the Annual Shareholder Meeting, during management's "State of the Company" financial presentation, management noted that the Company would be instituting a Small Business Banking Service in December 2001. This service has been designed to provide a range of small business banking services such as merchant processing, unlimited check writing and quarterly business tax payment remittances.  The services will be offered to small businesses located in the neighborhoods surrounding our eighteen branch locations.
Management also noted that its debit Mastercard program, initiated in September 2000, is currently generating $225,000 in annual fee income.  This level approximates the Company's target level of $250,000 at implementation.
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.
By:  ___________________________________________
Kenneth J. Mahon
Executive Vice President and Chief Financial Officer
Dated: November 16, 2001