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<TITLE>INDEPENDENCE COMMUNITY BANK CORP.</TITLE>
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<B><FONT size="2">As filed with the Securities and Exchange
Commission on April&nbsp;23, 2004</FONT></B>
</DIV>

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<B><FONT size="2">Registration
No.&nbsp;333-&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face="wingdings">l</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></B>
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<B><FONT size="4">SECURITIES AND EXCHANGE COMMISSION</FONT></B>

<DIV align="center">
<B>Washington,&nbsp;D.C. 20549</B>
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<B><FONT size="5">Form S-8</FONT></B>

<DIV align="center">
<B>REGISTRATION STATEMENT</B>
</DIV>

<DIV align="center">
<B>UNDER</B>
</DIV>

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<B>THE SECURITIES ACT OF 1933</B>
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<B><FONT size="6">Independence Community Bank Corp.</FONT></B>

<DIV align="center">
<I><FONT size="2">(Exact name of Registrant as Specified in its
Charter)</FONT></I>
</DIV>

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<TR>
    <TD width="52%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="45%"><FONT size="2">&nbsp;</FONT></TD>
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    <TD align="center" valign="top">
    <B><FONT size="2">Delaware<BR>
     </FONT></B><I><FONT size="2">(State or Other Jurisdiction<BR>
    of Incorporation or Organization)</FONT></I></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="bottom">
    <B><FONT size="2">11-3387931<BR>
     </FONT></B><I><FONT size="2">(IRS Employer Identification
    No.)</FONT></I></TD>
</TR>

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<DIV align="center">
<B><FONT size="2">195 Montague Street, Brooklyn, New&nbsp;York
11201</FONT></B>
</DIV>

<DIV align="center">
<I><FONT size="2">(Address of Principal Executive Offices) (Zip
Code)</FONT></I>
</DIV>

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<B><FONT size="2">SI Bank&nbsp;&#38; Trust 401(k) Savings Plan
in RSI Retirement Trust</FONT></B>

<DIV align="center">
<I><FONT size="2">(Full Title of Plan)</FONT></I>
</DIV>

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<B><FONT size="2">John K. Schnock,&nbsp;Esq.</FONT></B>

<DIV align="center">
<B><FONT size="2">Senior Vice President, Secretary and
Counsel</FONT></B>
</DIV>

<DIV align="center">
<B><FONT size="2">195 Montague Street</FONT></B>
</DIV>

<DIV align="center">
<B><FONT size="2">Brooklyn, New&nbsp;York 11201</FONT></B>
</DIV>

<DIV align="center">
<I><FONT size="2">(Name and Address of Agent for
Service)</FONT></I>
</DIV>

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<B><FONT size="2">(718)&nbsp;722-5300</FONT></B>

<DIV align="center">
<I><FONT size="2">Telephone Number, Including Area Code, of
Agent for Service</FONT></I>
</DIV>

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<B><I><FONT size="2">Copies to:</FONT></I></B>

<DIV align="center">
<B><FONT size="2">Lee Meyerson,&nbsp;Esq.</FONT></B>
</DIV>

<DIV align="center">
<B><FONT size="2">Simpson Thacher&nbsp;&#38; Bartlett
LLP</FONT></B>
</DIV>

<DIV align="center">
<B><FONT size="2">425 Lexington Avenue</FONT></B>
</DIV>

<DIV align="center">
<B><FONT size="2">New&nbsp;York, New&nbsp;York 10017</FONT></B>
</DIV>

<DIV align="center">
<B><FONT size="2">(212)&nbsp;455-2000</FONT></B>
</DIV>

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<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<FONT size="2">This Registration Statement shall become
effective immediately upon filing with the Securities and
Exchange Commission in accordance with Section&nbsp;8(a) of the
Securities Act of 1933, as amended, and Rule&nbsp;462 thereunder.
</FONT>

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<B><FONT size="2">CALCULATION OF REGISTRATION FEE</FONT></B>

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    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="14%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="14%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="14%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="17%"><FONT size="2">&nbsp;</FONT></TD>
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    <TD colspan="9"></TD>
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    <TD colspan="3"></TD>
    <TD></TD>
    <TD align="center" nowrap><B><FONT size="1">Proposed Maximum</FONT></B></TD>
    <TD></TD>
    <TD align="center" nowrap><B><FONT size="1">Proposed Maximum</FONT></B></TD>
    <TD></TD>
    <TD></TD>
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<TR>
    <TD></TD>
    <TD></TD>
    <TD align="center" nowrap><B><FONT size="1">Amount to be</FONT></B></TD>
    <TD></TD>
    <TD align="center" nowrap><B><FONT size="1">Offering Price Per</FONT></B></TD>
    <TD></TD>
    <TD align="center" nowrap><B><FONT size="1">Aggregate Offering</FONT></B></TD>
    <TD></TD>
    <TD align="center" nowrap><B><FONT size="1">Amount of</FONT></B></TD>
</TR>

<TR>
    <TD align="center" nowrap><B><FONT size="1">Title of Securities to be Registered</FONT></B></TD>
    <TD></TD>
    <TD align="center" nowrap><B><FONT size="1">Registered(1)</FONT></B></TD>
    <TD></TD>
    <TD align="center" nowrap><B><FONT size="1">Share(2)</FONT></B></TD>
    <TD></TD>
    <TD align="center" nowrap><B><FONT size="1">Price(2)</FONT></B></TD>
    <TD></TD>
    <TD align="center" nowrap><B><FONT size="1">Registration Fee(2)</FONT></B></TD>
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    <TD colspan="9"></TD>
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    <TD align="left" valign="top">
    <DIV style="margin-left:10px; text-indent:-10px">
    <FONT size="2">Common stock, $0.01&nbsp;par value per share
    </FONT></DIV>
    </TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="bottom">
    <FONT size="2">150,000(3)
    </FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="bottom">
    <FONT size="2">$37.025
    </FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="bottom">
    <FONT size="2">$5,553,750
    </FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="bottom">
    <FONT size="2">$704
    </FONT></TD>
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    <TD><FONT size="2">(1)&nbsp;</FONT></TD>
    <TD align="left">
    <FONT size="2">Represents an estimate of such presently
    undeterminable number of shares as may be purchased with
    employee contributions pursuant to the SI Bank&nbsp;&#38; Trust
    401(k) Savings Plan in RSI Retirement Trust (the
    &#147;Plan&#148;). This Registration Statement also covers any
    additional shares of common stock that are acquired under the
    employee benefit plan listed above by reason of any stock
    dividend, stock split, recapitalization or other similar
    transaction effected without the receipt of consideration which
    results in an increase in the number of the Registrant&#146;s
    outstanding shares of common stock.
    </FONT></TD>
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<TR>
    <TD>&nbsp;</TD>
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    <TD><FONT size="2">(2)&nbsp;</FONT></TD>
    <TD align="left">
    <FONT size="2">Pursuant to Rule&nbsp;457(h)(1) under the
    Securities Act of 1933, the proposed maximum offering price per
    share and the proposed maximum aggregate offering price are
    estimated for the purpose of calculating the amount of
    registration fee and are based upon the average of the high and
    low prices of shares of common stock of Independence Community
    Bank Corp. (&#147;Independence common stock&#148;) reported on
    the Nasdaq National Market System on April&nbsp;20, 2004.
    </FONT></TD>
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<TR>
    <TD>&nbsp;</TD>
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    <TD><FONT size="2">(3)&nbsp;</FONT></TD>
    <TD align="left">
    <FONT size="2">In addition, pursuant to Rule&nbsp;416(c) under
    the Securities Act of 1933, this Registration Statement also
    covers an indeterminate amount of plan interests to be offered
    or sold pursuant to the employee benefit plan described above.
    </FONT></TD>
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<B><FONT size="2">PART&nbsp;I</FONT></B>

<P align="center">
<B><FONT size="2">INFORMATION REQUIRED IN THE SECTION&nbsp;10(a)
PROSPECTUS</FONT></B>

<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<FONT size="2">The documents containing the information
specified in Part&nbsp;I will be sent or given to employees as
specified by Rule&nbsp;428(b)(1) of the Securities Act of 1933,
as amended (the &#147;Securities Act&#148;). Such documents are
not being filed with the SEC either as part of this Registration
Statement or as prospectuses or prospectus supplements pursuant
to Rule&nbsp;424 of the Securities Act. Such documents and the
documents incorporated by reference in this Registration
Statement pursuant to Item&nbsp;3 of Part&nbsp;II hereof, taken
together, constitute a prospectus that meets the requirements of
Section&nbsp;10(a) of the Securities Act.
</FONT>

<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<FONT size="2">Employees participating in the Plan may obtain a
copy of the Plan or the documents incorporated by reference in
Item&nbsp;3 of Part&nbsp;II below, at no cost, by writing or
telephoning Independence Community Bank Corp.
(&#147;Independence&#148;) at: 195&nbsp;Montague Street,
Brooklyn, New&nbsp;York 11201, (718)&nbsp;722-5300, Attention:
John K. Schnock. These documents are also incorporated by
reference in the Section&nbsp;10(a) prospectus.
</FONT>

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<B><FONT size="2">PART&nbsp;II</FONT></B>

<P align="center">
<B><FONT size="2">INFORMATION REQUIRED IN THE REGISTRATION
STATEMENT</FONT></B>

<DIV>&nbsp;</DIV>

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    <TD width="8%"></TD>
    <TD width="92%"></TD>
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<TR valign="top">
    <TD><B><FONT size="2">Item&nbsp;3.</FONT></B></TD>
    <TD>
    <B><I><FONT size="2">Incorporation of Documents by
    Reference</FONT></I></B></TD>
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<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<FONT size="2">The following documents filed or to be filed with
the Securities and Exchange Commission by Independence are
incorporated herein by reference:
</FONT>
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    <TD width="3%"></TD>
    <TD width="97%"></TD>
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<TR valign="top">
    <TD>&nbsp;</TD>
    <TD align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    <FONT size="2">(a)&nbsp;Annual Report on Form&nbsp;10-K for the
    year ended December&nbsp;31, 2003;
    </FONT></TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    <FONT size="2">(b)&nbsp;Current Reports on Form&nbsp;8-K filed
    on January&nbsp;20, 2004, March&nbsp;2, 2004, March&nbsp;3,
    2004, April&nbsp;8, 2004, April&nbsp;14, 2004, April&nbsp;20,
    2004 and April&nbsp;21, 2004; and
    </FONT></TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    <FONT size="2">(c)&nbsp;The description of Independence&#146;s
    common stock contained in its registration statement filed under
    Section&nbsp;12 of the Securities Exchange Act of 1934, as
    amended (the &#147;Exchange Act&#148;), and any amendment or
    report filed for the purpose of updating that description.
    </FONT></TD>
</TR>

</TABLE>

<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<FONT size="2">In addition, the Annual Report on Form&nbsp;11-K
for the fiscal ended December&nbsp;31, 2002, as filed by the SI
Bank&nbsp;&#38; Trust 401(k) Savings Plan in RSI Retirement
Trust with the SEC, is incorporated by reference in this
Registration Statement and made a part hereof.
</FONT>

<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<FONT size="2">All documents filed by Independence pursuant to
Sections&nbsp;13(a), 13(c), 14 and 15(d) of the Exchange Act
subsequent to the date of this Registration Statement and prior
to the filing of a post-effective amendment to this Registration
Statement indicating that all securities offered hereunder have
been sold or which deregisters all securities remaining shall be
deemed to be incorporated by reference in this Registration
Statement and to be a part hereof from the date of filing of
such documents. Any statement contained in a document
incorporated by reference or deemed to be incorporated by
reference herein shall be deemed to be modified or superseded
for purposes of this Registration Statement to the extent that a
statement contained in any other subsequently filed document
that also is or is deemed to be incorporated by reference herein
modifies or supersedes such statement. Any statement so modified
or superseded shall not be deemed, except as so modified or
superseded, to constitute a part of this Registration Statement.
</FONT>

<DIV>&nbsp;</DIV>

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<TR>
    <TD width="8%"></TD>
    <TD width="92%"></TD>
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<TR valign="top">
    <TD><B><FONT size="2">Item&nbsp;4.</FONT></B></TD>
    <TD>
    <B><I><FONT size="2">Description of Securities.</FONT></I></B></TD>
</TR>

</TABLE>

<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<FONT size="2">Not applicable.
</FONT>

<DIV>&nbsp;</DIV>

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<TR>
    <TD width="8%"></TD>
    <TD width="92%"></TD>
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<TR valign="top">
    <TD><B><FONT size="2">Item&nbsp;5.</FONT></B></TD>
    <TD>
    <B><I><FONT size="2">Interests of Named Experts and
    Counsel</FONT></I></B></TD>
</TR>

</TABLE>

<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<FONT size="2">Not applicable.
</FONT>

<P align="center"><FONT size="2">1
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<DIV>&nbsp;</DIV>

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<TR>
    <TD width="8%"></TD>
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<TR valign="top">
    <TD><B><FONT size="2">Item&nbsp;6.</FONT></B></TD>
    <TD>
    <B><I><FONT size="2">Indemnification of Directors and
    Officers</FONT></I></B></TD>
</TR>

</TABLE>

<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<FONT size="2">In accordance with the General Corporation law of
the State of Delaware, Articles&nbsp;9 and 10 of the
Registrant&#146;s Certificate of Incorporation and
Article&nbsp;VI of the Registrant&#146;s Bylaws provide as
follows:
</FONT>

<P align="left">
<B><FONT size="2">Article 9 of Certificate of
Incorporation</FONT></B>

<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I><FONT size="2">Liability of Directors and
Officers.</FONT></I><FONT size="2"> The personal liability of
the directors and officers of the Corporation for monetary
damages shall be eliminated to the fullest extent permitted by
the General Corporation Law of the State of Delaware as it
exists on the effective date of this Certificate of
Incorporation or as such law may be thereafter in effect. No
amendment, modification or repeal of this Article&nbsp;9 shall
adversely affect the rights provided hereby with respect to any
claim, issue or matter in any proceeding that is based in any
respect on any alleged action or failure to act prior to such
amendment, modification or repeal.
</FONT>

<P align="left">
<B><FONT size="2">Article 10 of Certificate of
Incorporation</FONT></B>

<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I><FONT size="2">Indemnification.</FONT></I><FONT size="2"> The
Corporation shall indemnify its directors, officers, employees,
agents and former directors, officers, employees and agents, and
any other persons serving at the request of the Corporation as a
director, officer, employee or agent of another corporation,
association, partnership, joint venture, trust or other
enterprise, against expenses (including attorneys&#146; fees,
judgments, fines and amounts paid in settlement) incurred in
connection with any pending or threatened action, suit or
proceeding, whether civil, criminal, administrative or
investigative, with respect to which such director, officer,
employee, agent or other person is a party, or is threatened to
be made a party, to the full extent permitted by the General
Corporation Law of the State of Delaware, provided, however,
that the Corporation shall not be liable for any amounts which
may be due to any person in connection with a settlement of any
action, suit or proceeding effected without its prior written
consent or any action, suit or proceeding initiated by any
person seeking indemnification hereunder without its prior
written consent. The indemnification provided herein
(i)&nbsp;shall not be deemed exclusive of any other right to
which any person seeking indemnification may be entitled under
any bylaw, agreement or vote of shareholders or disinterested
directors or otherwise, both as to action in his or her official
capacity and as to action in any other capacity, and
(ii)&nbsp;shall inure to the benefit of the heirs, executors and
administrators of any such person. The Corporation shall have
the power, but shall not be obligated, to purchase and maintain
insurance on behalf of any person or persons enumerated above
against any liability asserted against or incurred by them or
any of them arising out of their status as corporate directors,
officers, employees, or agents whether or not the Corporation
would have the power to indemnify them against such liability
under the provisions of this Article&nbsp;10.
</FONT>

<P align="left">
<B><FONT size="2">Article VI of Bylaws&nbsp;&#151;
Indemnification, Etc. of Directors, Officers and
Employees</FONT></B>

<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<FONT size="2">6.1&nbsp;<I>Indemnification.</I> The Corporation
shall provide indemnification to its directors, officers,
employees, agents and former directors, officers, employees and
agents and to others in accordance with the Corporation&#146;s
Certificate of Incorporation.
</FONT>

<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<FONT size="2">6.2&nbsp;<I>Advancement of Expenses.</I>
Reasonable expenses (including attorneys&#146; fees) incurred by
a director, officer or employee of the Corporation in defending
any civil, criminal, administrative or investigative action,
suit or proceeding described in Section&nbsp;6.1 may be paid by
the Corporation in advance of the final disposition of such
action, suit or proceeding as authorized by the Board of
Directors only upon receipt of an undertaking by or on behalf of
such person to repay such amount if it shall ultimately be
determined that the person is not entitled to be indemnified by
the Corporation.
</FONT>

<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<FONT size="2">6.3&nbsp;<I>Other Rights and Remedies.</I> The
indemnification and advancement of expenses provided by, or
granted pursuant to, this Article&nbsp;VI shall not be deemed
exclusive of any other rights to which those seeking
indemnification or advancement of expenses may be entitled under
the Corporation&#146;s Certificate of Incorporation, any
agreement, vote of stockholders or disinterested directors or
otherwise, both as to actions in their official capacity and as
to actions in another capacity while holding such office, and
shall
</FONT>

<P align="center"><FONT size="2">2
</FONT>
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<DIV align="left">
<FONT size="2">continue as to a person who has ceased to be a
director, officer or employee and shall inure to the benefit of
the heirs, executors and administrators of such person.
</FONT>
</DIV>

<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<FONT size="2">6.4&nbsp;<I>Insurance.</I> Upon resolution passed
by the Board of Directors, the Corporation may purchase and
maintain insurance on behalf of any person who is or was a
director, officer of employee of the Corporation, or is or was
serving at the request of the corporation as a director, officer
or employee of another corporation, partnership, joint venture,
trust or other enterprise, against any liability asserted
against him or incurred by him in any such capacity or arising
out of his status as such, whether or not the Corporation would
have the power to indemnify him against such liability under the
provisions of its Certificate of Incorporation or this
Article&nbsp;VI.
</FONT>

<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<FONT size="2">6.5&nbsp;<I>Modification.</I> The duties of the
Corporation to indemnify and to advance expenses to a director,
officer or employee provided in this Article&nbsp;VI shall be in
the nature of a contract between the Corporation and each such
person, and no amendment or repeal of any provision of this
Article&nbsp;VI shall alter, to the detriment of such person,
the right of such person to the advance of expenses or
indemnification related to a claim based on an act or failure to
act which took place prior to such amendment or repeal.
</FONT>

<DIV>&nbsp;</DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">

<TR>
    <TD width="8%"></TD>
    <TD width="92%"></TD>
</TR>

<TR valign="top">
    <TD><B><FONT size="2">Item&nbsp;7.</FONT></B></TD>
    <TD>
    <B><I><FONT size="2">Exemption from Registration
    Claimed</FONT></I></B></TD>
</TR>

</TABLE>

<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<FONT size="2">Not applicable.
</FONT>

<DIV>&nbsp;</DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">

<TR>
    <TD width="8%"></TD>
    <TD width="92%"></TD>
</TR>

<TR valign="top">
    <TD><B><FONT size="2">Item&nbsp;8.</FONT></B></TD>
    <TD>
    <B><I><FONT size="2">Exhibits</FONT></I></B></TD>
</TR>

</TABLE>

<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<FONT size="2">The following exhibits are filed with this
Registration Statement on Form&nbsp;S-8.
</FONT>

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<TR>
    <TD width="6%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="5%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="85%"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR>
    <TD colspan="3" align="center" nowrap><B><FONT size="1">Exhibit</FONT></B></TD>
    <TD></TD>
    <TD></TD>
</TR>

<TR>
    <TD colspan="3" align="center" nowrap><B><FONT size="1">Number</FONT></B></TD>
    <TD></TD>
    <TD align="center" nowrap><B><FONT size="1">Document Description</FONT></B></TD>
</TR>

<TR>
    <TD colspan="3" align="center" nowrap><HR size="1" noshade></TD>
    <TD></TD>
    <TD align="center" nowrap><HR size="1" noshade></TD>
</TR>

<TR>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top" nowrap><FONT size="2">23</FONT></TD>
    <TD align="left" valign="top" nowrap><FONT size="2">.1</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top">
    <FONT size="2">Consent of Ernst&nbsp;&#38; Young LLP as to
    Independence Community Bank Corp.
    </FONT></TD>
</TR>

<TR>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top" nowrap><FONT size="2">23</FONT></TD>
    <TD align="left" valign="top" nowrap><FONT size="2">.2</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top">
    <FONT size="2">Consent of PricewaterhouseCoopers LLP as to the
    SI Bank&nbsp;&#38; Trust 401(k) Savings Plan in RSI Retirement
    Trust
    </FONT></TD>
</TR>

<TR>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top" nowrap><FONT size="2">24</FONT></TD>
    <TD align="left" valign="top" nowrap><FONT size="2">.1</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top">
    <FONT size="2">Power of Attorney (included on the signature page
    of this registration statement)
    </FONT></TD>
</TR>

</TABLE>
</CENTER>

<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<FONT size="2">The Registrant undertakes that the Plan has been
or will be submitted to the Internal Revenue Service
(&#147;IRS&#148;) in order to receive a determination letter
that the Plan is qualified under Section&nbsp;401 of the
Internal Revenue Code, as amended, and will submit any
amendments to the Plan to the IRS in a timely manner, and will
make all changes required by the IRS in order to qualify, or
continue the qualification, of the Plan.
</FONT>

<DIV>&nbsp;</DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">

<TR>
    <TD width="9%"></TD>
    <TD width="91%"></TD>
</TR>

<TR valign="top">
    <TD><B><FONT size="2">Item&nbsp;17.</FONT></B></TD>
    <TD>
    <B><I><FONT size="2">Undertakings</FONT></I></B></TD>
</TR>

</TABLE>

<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<FONT size="2">The undersigned Registrant hereby undertakes:
</FONT>

<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<FONT size="2">(1)&nbsp;To file, during any period in which
offers or sales are being made, a post-effective amendment to
this registration statement:
</FONT>
<P>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    <FONT size="2">(i)&nbsp;To include any prospectus required by
    Section&nbsp;10(a)(3) of the Securities Act;
    </FONT></TD>
</TR>

<TR>
    <TD>&nbsp;</TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    <FONT size="2">(ii)&nbsp;To reflect in the prospectus any facts
    or events arising after the effective date of the registration
    statement (or the most recent post-effective amendment thereof)
    which, individually or in the aggregate, represent a fundamental
    change in the information set forth in the registration
    statement. Notwithstanding the foregoing, any increase or
    decrease in volume of securities offered (if the total dollar
    value of securities offered would not exceed that which was
    registered) and any deviation from the low or high and of the
    estimated maximum offering range may be reflected in the form of
    prospectus filed with the Commission pursuant to
    Rule&nbsp;424(b) if, in the aggregate, the changes in volume and
    price represent no more than a 20&nbsp;percent change in the
    maximum aggregate offering price set forth in the
    &#147;Calculation of Registration Fee&#148; table in the
    effective registration statement.
    </FONT></TD>
</TR>

</TABLE>

<P align="center"><FONT size="2">3
</FONT>

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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>
<P>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    <FONT size="2">(iii)&nbsp;To include any material information
    with respect to the plan of distribution not previously
    disclosed in the registration statement or any material change
    to such information in the registration statement;
    </FONT></TD>
</TR>

</TABLE>
<P>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">

<TR>
    <TD width="3%"></TD>
    <TD width="97%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD align="left">
    <FONT size="2">provided, however, that paragraphs&nbsp;(1)(i)
    and (1)(ii) do not apply if the registration statement is on
    Form&nbsp;S-3, Form&nbsp;S-8 or Form&nbsp;F-3, and the
    information required to be included in a post-effective
    amendment by those paragraphs is contained in periodic reports
    filed with or furnished to the Commission by the Registrant
    pursuant to Section&nbsp;13 or Section&nbsp;15(d) of the
    Securities Exchange Act of 1934 that are incorporated by
    reference in the registration statement.
    </FONT></TD>
</TR>

</TABLE>

<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<FONT size="2">(2)&nbsp;That, for the purpose of determining any
liability under the Securities Act, each such post-effective
amendment shall be deemed to be a new registration statement
relating to the securities offered therein, and the offering of
such securities at that time shall be deemed to be the initial
bona fide offering thereof.
</FONT>

<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<FONT size="2">(3)&nbsp;To remove from registration by means of
a post-effective amendment any of the securities being
registered which remain unsold at the termination of the
offering.
</FONT>

<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<FONT size="2">The undersigned Registrant hereby undertakes
that, for purposes of determining any liability under the
Securities Act, each filing of the Registrant&#146;s annual
report pursuant to Section&nbsp;13(a) or Section&nbsp;15(d) of
the Securities Exchange Act of 1934 (and, where applicable, each
filing of an employee benefit plan&#146;s annual report pursuant
to Section&nbsp;15(d) of the Securities Exchange Act of 1934)
that is incorporated by reference in the registration statement
shall be deemed to be a new registration statement relating to
the securities offered therein, and the offering of such
securities at that time shall be deemed to be the initial bona
fide offering thereof.
</FONT>

<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<FONT size="2">Insofar as indemnification for liabilities
arising under the Securities Act may be permitted to directors,
officers and controlling persons of the Registrant pursuant to
the foregoing provisions, or otherwise, the Registrant has been
advised that in the opinion of the Securities and Exchange
Commission such indemnification is against public policy as
expressed in the Act and is, therefore, unenforceable. In the
event that a claim for indemnification against such liabilities
(other than the payment by the Registrant of expenses incurred
or paid by a director, officer or controlling person of the
Registrant in the successful defense of any action, suit or
proceeding) is asserted by such director, officer or controlling
person in connection with the securities being registered, the
Registrant will, unless in the opinion of its counsel the matter
has been settled by controlling precedent, submit to a court of
appropriate jurisdiction the question whether such
indemnification by it is against public policy as expressed in
the Securities Act and will be governed by the final
adjudication of such issue.
</FONT>

<P align="center"><FONT size="2">4
</FONT>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<P align="center">
<B><FONT size="2">SIGNATURES</FONT></B>

<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<FONT size="2">Pursuant to the requirements of the Securities
Act of 1933, the Registrant certifies that it has reasonable
grounds to believe that it meets all of the requirements for
filing on Form&nbsp;S-8 and has duly caused this Registration
Statement to be signed on its behalf by the undersigned,
thereunto duly authorized, in the City of Brooklyn, State of
New&nbsp;York, on the 23rd&nbsp;of April, 2004.
</FONT>
<P>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">

<TR>
    <TD width="40%"></TD>
    <TD width="60%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD align="left">
    <FONT size="2">INDEPENDENCE COMMUNITY BANK CORP.
    </FONT></TD>
</TR>

</TABLE>
<P>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">

<TR>
    <TD width="40%"></TD>
    <TD width="2%"></TD>
    <TD width="58%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD><FONT size="2">By:&nbsp;</FONT></TD>
    <TD align="center">
    <FONT size="2">/s/ ALAN H. FISHMAN
    </FONT></TD>
</TR>

</TABLE>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">

<TR>
    <TD width="40%"></TD>
    <TD width="60%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD align="left">
    <HR size="1" align="left" noshade></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD align="center">
    <FONT size="2">Alan H. Fishman
    </FONT></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD align="center">
    <I><FONT size="2">President and Chief Executive
    Officer</FONT></I></TD>
</TR>

</TABLE>

<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<FONT size="2">KNOW ALL MEN BY THESE PRESENTS, that each person
whose signature appears below hereby authorizes Charles J. Hamm,
Alan H. Fishman, Frank W. Baier and John K. Schnock, each with
full power of substitution, to execute in the name and on behalf
of such person any amendment or any post-effective amendment to
this registration statement and any subsequent registration
statement filed pursuant to Rule&nbsp;462 under the Securities
Act of 1933 and to file the same, with exhibits thereto, and
other documents in connection therewith, making such changes in
this registration statement and any such subsequent registration
statement as Independence deems appropriate, and appoints
Charles J. Hamm, Alan H. Fishman, Frank W. Baier and John K.
Schnock, each with full power of substitution, attorney-in-fact
to sign any amendment and any post-effective amendment to this
registration statement and any such subsequent registration
statement and to file same, with exhibits thereto, and other
documents in connection therewith.
</FONT>

<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<FONT size="2">Pursuant to the requirements of the Securities
Act of 1933, as amended, this Registration Statement has been
signed by the following persons in the capacities and on the
date indicated.
</FONT>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0">

<TR>
    <TD width="5%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="39%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="36%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="11%"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR>
    <TD colspan="3"></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
</TR>

<TR>
    <TD colspan="3" align="center" nowrap><B><FONT size="1">Signature</FONT></B></TD>
    <TD></TD>
    <TD align="center" nowrap><B><FONT size="1">Title</FONT></B></TD>
    <TD></TD>
    <TD align="center" nowrap><B><FONT size="1">Date</FONT></B></TD>
</TR>

<TR>
    <TD colspan="3" align="center" nowrap><HR size="1" noshade></TD>
    <TD></TD>
    <TD align="center" nowrap><HR size="1" noshade></TD>
    <TD></TD>
    <TD align="center" nowrap><HR size="1" noshade></TD>
</TR>

<TR>
    <TD colspan="7"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR>
    <TD colspan="3" align="center" valign="top">
    <FONT size="2">/s/ CHARLES J. HAMM<BR>
    <HR size="1" noshade>Charles J. Hamm
    </FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top">
    <FONT size="2">Chairman of the Board
    </FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top">
    <FONT size="2">April&nbsp;23, 2004
    </FONT></TD>
</TR>

<TR>
    <TD colspan="7"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR>
    <TD colspan="3" align="center" valign="top">
    <FONT size="2">/s/ DONALD M. KARP<BR>
    <HR size="1" noshade>Donald M. Karp
    </FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top">
    <FONT size="2">Vice Chairman of the Board
    </FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top">
    <FONT size="2">April&nbsp;23, 2004
    </FONT></TD>
</TR>

<TR>
    <TD colspan="7"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR>
    <TD colspan="3" align="center" valign="top">
    <FONT size="2">/s/ VICTOR M. RICHEL<BR>
    <HR size="1" noshade>Victor M. Richel
    </FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top">
    <FONT size="2">Vice Chairman of the Board
    </FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top">
    <FONT size="2">April&nbsp;23, 2004
    </FONT></TD>
</TR>

<TR>
    <TD colspan="7"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR>
    <TD colspan="3" align="center" valign="top">
    <FONT size="2">/s/ HARRY P. DOHERTY<BR>
    <HR size="1" noshade>Harry P. Doherty
    </FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top">
    <FONT size="2">Vice Chairman of the Board
    </FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top">
    <FONT size="2">April&nbsp;23, 2004
    </FONT></TD>
</TR>

<TR>
    <TD colspan="7"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR>
    <TD colspan="3" align="center" valign="top">
    <FONT size="2">/s/ ALAN H. FISHMAN<BR>
    <HR size="1" noshade>Alan H. Fishman
    </FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top">
    <FONT size="2">President and Chief Executive Officer
    </FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top">
    <FONT size="2">April&nbsp;23, 2004
    </FONT></TD>
</TR>

<TR>
    <TD colspan="7"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR>
    <TD colspan="3" align="center" valign="top">
    <FONT size="2">/s/ FRANK W. BAIER<BR>
    <HR size="1" noshade>Frank W. Baier
    </FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top">
    <FONT size="2">Executive Vice President, Chief Financial Officer
    and Treasurer
    </FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top">
    <FONT size="2">April&nbsp;23, 2004
    </FONT></TD>
</TR>

<TR>
    <TD colspan="7"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR>
    <TD colspan="3" align="center" valign="top">
    <FONT size="2">/s/ WILLARD N. ARCHIE<BR>
    <HR size="1" noshade>Willard N. Archie
    </FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top">
    <FONT size="2">Director
    </FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top">
    <FONT size="2">April&nbsp;23, 2004
    </FONT></TD>
</TR>

</TABLE>
</CENTER>

<P align="center"><FONT size="2">5
</FONT>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0">

<TR>
    <TD width="5%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="39%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="36%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="11%"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR>
    <TD colspan="3"></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
    <TD></TD>
</TR>

<TR>
    <TD colspan="3" align="center" nowrap><B><FONT size="1">Signature</FONT></B></TD>
    <TD></TD>
    <TD align="center" nowrap><B><FONT size="1">Title</FONT></B></TD>
    <TD></TD>
    <TD align="center" nowrap><B><FONT size="1">Date</FONT></B></TD>
</TR>

<TR>
    <TD colspan="3" align="center" nowrap><HR size="1" noshade></TD>
    <TD></TD>
    <TD align="center" nowrap><HR size="1" noshade></TD>
    <TD></TD>
    <TD align="center" nowrap><HR size="1" noshade></TD>
</TR>

<TR>
    <TD colspan="7"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR>
    <TD colspan="3" align="center" valign="top">
    <FONT size="2">/s/ ROBERT B. CATELL<BR>
    <HR size="1" noshade>Robert B. Catell
    </FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top">
    <FONT size="2">Director
    </FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top">
    <FONT size="2">April&nbsp;23, 2004
    </FONT></TD>
</TR>

<TR>
    <TD colspan="7"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR>
    <TD colspan="3" align="center" valign="top">
    <FONT size="2">/s/ ROHIT M. DESAI<BR>
    <HR size="1" noshade>Rohit M. Desai
    </FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top">
    <FONT size="2">Director
    </FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top">
    <FONT size="2">April&nbsp;23, 2004
    </FONT></TD>
</TR>

<TR>
    <TD colspan="7"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR>
    <TD colspan="3" align="center" valign="top">
    <FONT size="2">/s/ CHAIM Y. EDELSTEIN<BR>
    <HR size="1" noshade>Chaim Y. Edelstein
    </FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top">
    <FONT size="2">Director
    </FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top">
    <FONT size="2">April&nbsp;23, 2004
    </FONT></TD>
</TR>

<TR>
    <TD colspan="7"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR>
    <TD colspan="3" align="center" valign="top">
    <FONT size="2">/s/ ROBERT W. GELFMAN<BR>
    <HR size="1" noshade>Robert W. Gelfman
    </FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top">
    <FONT size="2">Director
    </FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top">
    <FONT size="2">April&nbsp;23, 2004
    </FONT></TD>
</TR>

<TR>
    <TD colspan="7"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR>
    <TD colspan="3" align="center" valign="top">
    <FONT size="2">/s/ SCOTT M. HAND<BR>
    <HR size="1" noshade>Scott M. Hand
    </FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top">
    <FONT size="2">Director
    </FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top">
    <FONT size="2">April&nbsp;23, 2004
    </FONT></TD>
</TR>

<TR>
    <TD colspan="7"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR>
    <TD colspan="3" align="center" valign="top">
    <FONT size="2">/s/ DAVID L. HINDS<BR>
    <HR size="1" noshade>David L. Hinds
    </FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top">
    <FONT size="2">Director
    </FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top">
    <FONT size="2">April&nbsp;23, 2004
    </FONT></TD>
</TR>

<TR>
    <TD colspan="7"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR>
    <TD colspan="3" align="center" valign="top">
    <FONT size="2">/s/ DENIS P. KELLEHER<BR>
    <HR size="1" noshade>Denis P. Kelleher
    </FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top">
    <FONT size="2">Director
    </FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top">
    <FONT size="2">April&nbsp;23, 2004
    </FONT></TD>
</TR>

<TR>
    <TD colspan="7"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR>
    <TD colspan="3" align="center" valign="top">
    <FONT size="2">/s/ JOHN R. MORRIS<BR>
    <HR size="1" noshade>John R. Morris
    </FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top">
    <FONT size="2">Director
    </FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top">
    <FONT size="2">April&nbsp;23, 2004
    </FONT></TD>
</TR>

<TR>
    <TD colspan="7"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR>
    <TD colspan="3" align="center" valign="top">
    <FONT size="2">/s/ MARIA FIORINI RAMIREZ<BR>
    <HR size="1" noshade>Maria Fiorini Ramirez
    </FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top">
    <FONT size="2">Director
    </FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top">
    <FONT size="2">April&nbsp;23, 2004
    </FONT></TD>
</TR>

<TR>
    <TD colspan="7"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR>
    <TD colspan="3" align="center" valign="top">
    <FONT size="2">/s/ ALLAN WEISSGLASS<BR>
    <HR size="1" noshade>Allan Weissglass
    </FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top">
    <FONT size="2">Director
    </FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top">
    <FONT size="2">April&nbsp;23, 2004
    </FONT></TD>
</TR>

</TABLE>
</CENTER>

<P align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<FONT size="2">Pursuant to the requirements of the Securities
Act of 1933, the trustee of the employee benefit plan has duly
caused this Registration Statement to be signed on its behalf by
the undersigned, thereunto duly authorized, in the City of
Brooklyn, State of New&nbsp;York, on April&nbsp;23, 2004.
</FONT>
<P>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">

<TR>
    <TD width="40%"></TD>
    <TD width="60%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD align="left">
    <FONT size="2">SI BANK&nbsp;&#38; TRUST 401(K) SAVINGS PLAN IN
    RSI
    </FONT></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD align="left">
    <FONT size="2">RETIREMENT TRUST
    </FONT></TD>
</TR>

</TABLE>
<P>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">

<TR>
    <TD width="40%"></TD>
    <TD width="2%"></TD>
    <TD width="58%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD><FONT size="2">By:&nbsp;</FONT></TD>
    <TD align="center">
    <FONT size="2">/s/ ALAN H. FISHMAN
    </FONT></TD>
</TR>

</TABLE>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0">

<TR>
    <TD width="40%"></TD>
    <TD width="60%"></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD align="left">
    <HR size="1" align="left" noshade></TD>
</TR>

<TR valign="top">
    <TD>&nbsp;</TD>
    <TD align="center">
    <FONT size="2">Alan H. Fishman, on behalf of the SI Bank &#38;
    Trust 401(K) Savings Plan as the Trustee
    </FONT></TD>
</TR>

</TABLE>

<P align="center"><FONT size="2">6
</FONT>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<P align="center">
<B><FONT size="2">INDEX TO EXHIBITS</FONT></B>

<CENTER>
<TABLE width="100%" align="center" cellspacing="0" cellpadding="0" border="0">

<TR>
    <TD width="6%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="5%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="3%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="85%"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR>
    <TD colspan="3" align="center" nowrap><B><FONT size="1">Exhibit</FONT></B></TD>
    <TD></TD>
    <TD></TD>
</TR>

<TR>
    <TD colspan="3" align="center" nowrap><B><FONT size="1">Number</FONT></B></TD>
    <TD></TD>
    <TD align="center" nowrap><B><FONT size="1">Document Description</FONT></B></TD>
</TR>

<TR>
    <TD colspan="3" align="center" nowrap><HR size="1" noshade></TD>
    <TD></TD>
    <TD align="center" nowrap><HR size="1" noshade></TD>
</TR>

<TR>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top" nowrap><FONT size="2">23</FONT></TD>
    <TD align="left" valign="top" nowrap><FONT size="2">.1</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top">
    <FONT size="2">Consent of Ernst&nbsp;&#38; Young LLP as to
    Independence Community Bank Corp.
    </FONT></TD>
</TR>

<TR>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top" nowrap><FONT size="2">23</FONT></TD>
    <TD align="left" valign="top" nowrap><FONT size="2">.2</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top">
    <FONT size="2">Consent of PricewaterhouseCoopers LLP as to the
    SI Bank&nbsp;&#38; Trust 401(k) Savings Plan in RSI Retirement
    Trust
    </FONT></TD>
</TR>

<TR>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top" nowrap><FONT size="2">24</FONT></TD>
    <TD align="left" valign="top" nowrap><FONT size="2">.1</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top">
    <FONT size="2">Power of Attorney (included on the signature page
    of this registration statement)
    </FONT></TD>
</TR>

</TABLE>
</CENTER>

</BODY>
</HTML>
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INDEPENDENCE COMMUNITY BANK CORP.
As filed with the Securities and Exchange
Commission on April 23, 2004
Registration
No. 333-
l
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
Form S-8
REGISTRATION STATEMENT
UNDER
THE SECURITIES ACT OF 1933
Independence Community Bank Corp.
(Exact name of Registrant as Specified in its
Charter)
Delaware
(State or Other Jurisdiction
of Incorporation or Organization)
11-3387931
(IRS Employer Identification
    No.)
195 Montague Street, Brooklyn, New York
11201
(Address of Principal Executive Offices) (Zip
Code)
SI Bank & Trust 401(k) Savings Plan
in RSI Retirement Trust
(Full Title of Plan)
John K. Schnock, Esq.
Senior Vice President, Secretary and
Counsel
195 Montague Street
Brooklyn, New York 11201
(Name and Address of Agent for
Service)
(718) 722-5300
Telephone Number, Including Area Code, of
Agent for Service
Copies to:
Lee Meyerson, Esq.
Simpson Thacher & Bartlett
LLP
425 Lexington Avenue
New York, New York 10017
(212) 455-2000
This Registration Statement shall become
effective immediately upon filing with the Securities and
Exchange Commission in accordance with Section 8(a) of the
Securities Act of 1933, as amended, and Rule 462 thereunder.
CALCULATION OF REGISTRATION FEE
Proposed Maximum
Proposed Maximum
Amount to be
Offering Price Per
Aggregate Offering
Amount of
Title of Securities to be Registered
Registered(1)
Share(2)
Price(2)
Registration Fee(2)
Common stock, $0.01 par value per share
150,000(3)
$37.025
$5,553,750
$704
(1)
Represents an estimate of such presently
    undeterminable number of shares as may be purchased with
    employee contributions pursuant to the SI Bank & Trust
    401(k) Savings Plan in RSI Retirement Trust (the
    "Plan"). This Registration Statement also covers any
    additional shares of common stock that are acquired under the
    employee benefit plan listed above by reason of any stock
    dividend, stock split, recapitalization or other similar
    transaction effected without the receipt of consideration which
    results in an increase in the number of the Registrant's
    outstanding shares of common stock.
(2)
Pursuant to Rule 457(h)(1) under the
    Securities Act of 1933, the proposed maximum offering price per
    share and the proposed maximum aggregate offering price are
    estimated for the purpose of calculating the amount of
    registration fee and are based upon the average of the high and
    low prices of shares of common stock of Independence Community
    Bank Corp. ("Independence common stock") reported on
    the Nasdaq National Market System on April 20, 2004.
(3)
In addition, pursuant to Rule 416(c) under
    the Securities Act of 1933, this Registration Statement also
    covers an indeterminate amount of plan interests to be offered
    or sold pursuant to the employee benefit plan described above.
PART I
INFORMATION REQUIRED IN THE SECTION 10(a)
PROSPECTUS
The documents containing the information
specified in Part I will be sent or given to employees as
specified by Rule 428(b)(1) of the Securities Act of 1933,
as amended (the "Securities Act"). Such documents are
not being filed with the SEC either as part of this Registration
Statement or as prospectuses or prospectus supplements pursuant
to Rule 424 of the Securities Act. Such documents and the
documents incorporated by reference in this Registration
Statement pursuant to Item 3 of Part II hereof, taken
together, constitute a prospectus that meets the requirements of
Section 10(a) of the Securities Act.
Employees participating in the Plan may obtain a
copy of the Plan or the documents incorporated by reference in
Item 3 of Part II below, at no cost, by writing or
telephoning Independence Community Bank Corp.
("Independence") at: 195 Montague Street,
Brooklyn, New York 11201, (718) 722-5300, Attention:
John K. Schnock. These documents are also incorporated by
reference in the Section 10(a) prospectus.
PART II
INFORMATION REQUIRED IN THE REGISTRATION
STATEMENT
Item 3.
Incorporation of Documents by
    Reference
The following documents filed or to be filed with
the Securities and Exchange Commission by Independence are
incorporated herein by reference:
(a) Annual Report on Form 10-K for the
    year ended December 31, 2003;
(b) Current Reports on Form 8-K filed
    on January 20, 2004, March 2, 2004, March 3,
    2004, April 8, 2004, April 14, 2004, April 20,
    2004 and April 21, 2004; and
(c) The description of Independence's
    common stock contained in its registration statement filed under
    Section 12 of the Securities Exchange Act of 1934, as
    amended (the "Exchange Act"), and any amendment or
    report filed for the purpose of updating that description.
In addition, the Annual Report on Form 11-K
for the fiscal ended December 31, 2002, as filed by the SI
Bank & Trust 401(k) Savings Plan in RSI Retirement
Trust with the SEC, is incorporated by reference in this
Registration Statement and made a part hereof.
All documents filed by Independence pursuant to
Sections 13(a), 13(c), 14 and 15(d) of the Exchange Act
subsequent to the date of this Registration Statement and prior
to the filing of a post-effective amendment to this Registration
Statement indicating that all securities offered hereunder have
been sold or which deregisters all securities remaining shall be
deemed to be incorporated by reference in this Registration
Statement and to be a part hereof from the date of filing of
such documents. Any statement contained in a document
incorporated by reference or deemed to be incorporated by
reference herein shall be deemed to be modified or superseded
for purposes of this Registration Statement to the extent that a
statement contained in any other subsequently filed document
that also is or is deemed to be incorporated by reference herein
modifies or supersedes such statement. Any statement so modified
or superseded shall not be deemed, except as so modified or
superseded, to constitute a part of this Registration Statement.
Item 4.
Description of Securities.
Not applicable.
Item 5.
Interests of Named Experts and
    Counsel
Not applicable.
1
Item 6.
Indemnification of Directors and
    Officers
In accordance with the General Corporation law of
the State of Delaware, Articles 9 and 10 of the
Registrant's Certificate of Incorporation and
Article VI of the Registrant's Bylaws provide as
follows:
Article 9 of Certificate of
Incorporation
Liability of Directors and
Officers.
The personal liability of
the directors and officers of the Corporation for monetary
damages shall be eliminated to the fullest extent permitted by
the General Corporation Law of the State of Delaware as it
exists on the effective date of this Certificate of
Incorporation or as such law may be thereafter in effect. No
amendment, modification or repeal of this Article 9 shall
adversely affect the rights provided hereby with respect to any
claim, issue or matter in any proceeding that is based in any
respect on any alleged action or failure to act prior to such
amendment, modification or repeal.
Article 10 of Certificate of
Incorporation
Indemnification.
The
Corporation shall indemnify its directors, officers, employees,
agents and former directors, officers, employees and agents, and
any other persons serving at the request of the Corporation as a
director, officer, employee or agent of another corporation,
association, partnership, joint venture, trust or other
enterprise, against expenses (including attorneys' fees,
judgments, fines and amounts paid in settlement) incurred in
connection with any pending or threatened action, suit or
proceeding, whether civil, criminal, administrative or
investigative, with respect to which such director, officer,
employee, agent or other person is a party, or is threatened to
be made a party, to the full extent permitted by the General
Corporation Law of the State of Delaware, provided, however,
that the Corporation shall not be liable for any amounts which
may be due to any person in connection with a settlement of any
action, suit or proceeding effected without its prior written
consent or any action, suit or proceeding initiated by any
person seeking indemnification hereunder without its prior
written consent. The indemnification provided herein
(i) shall not be deemed exclusive of any other right to
which any person seeking indemnification may be entitled under
any bylaw, agreement or vote of shareholders or disinterested
directors or otherwise, both as to action in his or her official
capacity and as to action in any other capacity, and
(ii) shall inure to the benefit of the heirs, executors and
administrators of any such person. The Corporation shall have
the power, but shall not be obligated, to purchase and maintain
insurance on behalf of any person or persons enumerated above
against any liability asserted against or incurred by them or
any of them arising out of their status as corporate directors,
officers, employees, or agents whether or not the Corporation
would have the power to indemnify them against such liability
under the provisions of this Article 10.
Article VI of Bylaws —
Indemnification, Etc. of Directors, Officers and
Employees
6.1
Indemnification.
The Corporation
shall provide indemnification to its directors, officers,
employees, agents and former directors, officers, employees and
agents and to others in accordance with the Corporation's
Certificate of Incorporation.
6.2
Advancement of Expenses.
Reasonable expenses (including attorneys' fees) incurred by
a director, officer or employee of the Corporation in defending
any civil, criminal, administrative or investigative action,
suit or proceeding described in Section 6.1 may be paid by
the Corporation in advance of the final disposition of such
action, suit or proceeding as authorized by the Board of
Directors only upon receipt of an undertaking by or on behalf of
such person to repay such amount if it shall ultimately be
determined that the person is not entitled to be indemnified by
the Corporation.
6.3
Other Rights and Remedies.
The
indemnification and advancement of expenses provided by, or
granted pursuant to, this Article VI shall not be deemed
exclusive of any other rights to which those seeking
indemnification or advancement of expenses may be entitled under
the Corporation's Certificate of Incorporation, any
agreement, vote of stockholders or disinterested directors or
otherwise, both as to actions in their official capacity and as
to actions in another capacity while holding such office, and
shall
2
continue as to a person who has ceased to be a
director, officer or employee and shall inure to the benefit of
the heirs, executors and administrators of such person.
6.4
Insurance.
Upon resolution passed
by the Board of Directors, the Corporation may purchase and
maintain insurance on behalf of any person who is or was a
director, officer of employee of the Corporation, or is or was
serving at the request of the corporation as a director, officer
or employee of another corporation, partnership, joint venture,
trust or other enterprise, against any liability asserted
against him or incurred by him in any such capacity or arising
out of his status as such, whether or not the Corporation would
have the power to indemnify him against such liability under the
provisions of its Certificate of Incorporation or this
Article VI.
6.5
Modification.
The duties of the
Corporation to indemnify and to advance expenses to a director,
officer or employee provided in this Article VI shall be in
the nature of a contract between the Corporation and each such
person, and no amendment or repeal of any provision of this
Article VI shall alter, to the detriment of such person,
the right of such person to the advance of expenses or
indemnification related to a claim based on an act or failure to
act which took place prior to such amendment or repeal.
Item 7.
Exemption from Registration
    Claimed
Not applicable.
Item 8.
Exhibits
The following exhibits are filed with this
Registration Statement on Form S-8.
Exhibit
Number
Document Description
23
.1
Consent of Ernst & Young LLP as to
    Independence Community Bank Corp.
23
.2
Consent of PricewaterhouseCoopers LLP as to the
    SI Bank & Trust 401(k) Savings Plan in RSI Retirement
    Trust
24
.1
Power of Attorney (included on the signature page
    of this registration statement)
The Registrant undertakes that the Plan has been
or will be submitted to the Internal Revenue Service
("IRS") in order to receive a determination letter
that the Plan is qualified under Section 401 of the
Internal Revenue Code, as amended, and will submit any
amendments to the Plan to the IRS in a timely manner, and will
make all changes required by the IRS in order to qualify, or
continue the qualification, of the Plan.
Item 17.
Undertakings
The undersigned Registrant hereby undertakes:
(1) To file, during any period in which
offers or sales are being made, a post-effective amendment to
this registration statement:
(i) To include any prospectus required by
    Section 10(a)(3) of the Securities Act;
(ii) To reflect in the prospectus any facts
    or events arising after the effective date of the registration
    statement (or the most recent post-effective amendment thereof)
    which, individually or in the aggregate, represent a fundamental
    change in the information set forth in the registration
    statement. Notwithstanding the foregoing, any increase or
    decrease in volume of securities offered (if the total dollar
    value of securities offered would not exceed that which was
    registered) and any deviation from the low or high and of the
    estimated maximum offering range may be reflected in the form of
    prospectus filed with the Commission pursuant to
    Rule 424(b) if, in the aggregate, the changes in volume and
    price represent no more than a 20 percent change in the
    maximum aggregate offering price set forth in the
    "Calculation of Registration Fee" table in the
    effective registration statement.
3
(iii) To include any material information
    with respect to the plan of distribution not previously
    disclosed in the registration statement or any material change
    to such information in the registration statement;
provided, however, that paragraphs (1)(i)
    and (1)(ii) do not apply if the registration statement is on
    Form S-3, Form S-8 or Form F-3, and the
    information required to be included in a post-effective
    amendment by those paragraphs is contained in periodic reports
    filed with or furnished to the Commission by the Registrant
    pursuant to Section 13 or Section 15(d) of the
    Securities Exchange Act of 1934 that are incorporated by
    reference in the registration statement.
(2) That, for the purpose of determining any
liability under the Securities Act, each such post-effective
amendment shall be deemed to be a new registration statement
relating to the securities offered therein, and the offering of
such securities at that time shall be deemed to be the initial
bona fide offering thereof.
(3) To remove from registration by means of
a post-effective amendment any of the securities being
registered which remain unsold at the termination of the
offering.
The undersigned Registrant hereby undertakes
that, for purposes of determining any liability under the
Securities Act, each filing of the Registrant's annual
report pursuant to Section 13(a) or Section 15(d) of
the Securities Exchange Act of 1934 (and, where applicable, each
filing of an employee benefit plan's annual report pursuant
to Section 15(d) of the Securities Exchange Act of 1934)
that is incorporated by reference in the registration statement
shall be deemed to be a new registration statement relating to
the securities offered therein, and the offering of such
securities at that time shall be deemed to be the initial bona
fide offering thereof.
Insofar as indemnification for liabilities
arising under the Securities Act may be permitted to directors,
officers and controlling persons of the Registrant pursuant to
the foregoing provisions, or otherwise, the Registrant has been
advised that in the opinion of the Securities and Exchange
Commission such indemnification is against public policy as
expressed in the Act and is, therefore, unenforceable. In the
event that a claim for indemnification against such liabilities
(other than the payment by the Registrant of expenses incurred
or paid by a director, officer or controlling person of the
Registrant in the successful defense of any action, suit or
proceeding) is asserted by such director, officer or controlling
person in connection with the securities being registered, the
Registrant will, unless in the opinion of its counsel the matter
has been settled by controlling precedent, submit to a court of
appropriate jurisdiction the question whether such
indemnification by it is against public policy as expressed in
the Securities Act and will be governed by the final
adjudication of such issue.
4
SIGNATURES
Pursuant to the requirements of the Securities
Act of 1933, the Registrant certifies that it has reasonable
grounds to believe that it meets all of the requirements for
filing on Form S-8 and has duly caused this Registration
Statement to be signed on its behalf by the undersigned,
thereunto duly authorized, in the City of Brooklyn, State of
New York, on the 23rd of April, 2004.
INDEPENDENCE COMMUNITY BANK CORP.
By:
/s/ ALAN H. FISHMAN
Alan H. Fishman
President and Chief Executive
    Officer
KNOW ALL MEN BY THESE PRESENTS, that each person
whose signature appears below hereby authorizes Charles J. Hamm,
Alan H. Fishman, Frank W. Baier and John K. Schnock, each with
full power of substitution, to execute in the name and on behalf
of such person any amendment or any post-effective amendment to
this registration statement and any subsequent registration
statement filed pursuant to Rule 462 under the Securities
Act of 1933 and to file the same, with exhibits thereto, and
other documents in connection therewith, making such changes in
this registration statement and any such subsequent registration
statement as Independence deems appropriate, and appoints
Charles J. Hamm, Alan H. Fishman, Frank W. Baier and John K.
Schnock, each with full power of substitution, attorney-in-fact
to sign any amendment and any post-effective amendment to this
registration statement and any such subsequent registration
statement and to file same, with exhibits thereto, and other
documents in connection therewith.
Pursuant to the requirements of the Securities
Act of 1933, as amended, this Registration Statement has been
signed by the following persons in the capacities and on the
date indicated.
Signature
Title
Date
/s/ CHARLES J. HAMM
Charles J. Hamm
Chairman of the Board
April 23, 2004
/s/ DONALD M. KARP
Donald M. Karp
Vice Chairman of the Board
April 23, 2004
/s/ VICTOR M. RICHEL
Victor M. Richel
Vice Chairman of the Board
April 23, 2004
/s/ HARRY P. DOHERTY
Harry P. Doherty
Vice Chairman of the Board
April 23, 2004
/s/ ALAN H. FISHMAN
Alan H. Fishman
President and Chief Executive Officer
April 23, 2004
/s/ FRANK W. BAIER
Frank W. Baier
Executive Vice President, Chief Financial Officer
    and Treasurer
April 23, 2004
/s/ WILLARD N. ARCHIE
Willard N. Archie
Director
April 23, 2004
5
Signature
Title
Date
/s/ ROBERT B. CATELL
Robert B. Catell
Director
April 23, 2004
/s/ ROHIT M. DESAI
Rohit M. Desai
Director
April 23, 2004
/s/ CHAIM Y. EDELSTEIN
Chaim Y. Edelstein
Director
April 23, 2004
/s/ ROBERT W. GELFMAN
Robert W. Gelfman
Director
April 23, 2004
/s/ SCOTT M. HAND
Scott M. Hand
Director
April 23, 2004
/s/ DAVID L. HINDS
David L. Hinds
Director
April 23, 2004
/s/ DENIS P. KELLEHER
Denis P. Kelleher
Director
April 23, 2004
/s/ JOHN R. MORRIS
John R. Morris
Director
April 23, 2004
/s/ MARIA FIORINI RAMIREZ
Maria Fiorini Ramirez
Director
April 23, 2004
/s/ ALLAN WEISSGLASS
Allan Weissglass
Director
April 23, 2004
Pursuant to the requirements of the Securities
Act of 1933, the trustee of the employee benefit plan has duly
caused this Registration Statement to be signed on its behalf by
the undersigned, thereunto duly authorized, in the City of
Brooklyn, State of New York, on April 23, 2004.
SI BANK & TRUST 401(K) SAVINGS PLAN IN
    RSI
RETIREMENT TRUST
By:
/s/ ALAN H. FISHMAN
Alan H. Fishman, on behalf of the SI Bank &
    Trust 401(K) Savings Plan as the Trustee
6
INDEX TO EXHIBITS
Exhibit
Number
Document Description
23
.1
Consent of Ernst & Young LLP as to
    Independence Community Bank Corp.
23
.2
Consent of PricewaterhouseCoopers LLP as to the
    SI Bank & Trust 401(k) Savings Plan in RSI Retirement
    Trust
24
.1
Power of Attorney (included on the signature page
    of this registration statement)