PART I

              INFORMATION REQUIRED IN THE SECTION 10(A) PROSPECTUS

ITEM 1.           PLAN INFORMATION

                  Omitted.

ITEM 2.           REGISTRANT INFORMATION AND EMPLOYEE PLAN ANNUAL INFORMATION

                  Omitted

                                     PART II

               INFORMATION REQUIRED IN THE REGISTRATION STATEMENT

ITEM 3.           INCORPORATION OF DOCUMENTS BY REFERENCE

         THE   CONTENTS  OF   INTERCHANGE   FINANCIAL   SERVICES   CORPORATION'S
         REGISTRATION  STATEMENT  ON  FORM  S-8,  REGISTRATION  #33-82530,   ARE
         INCORPORATED HEREIN BY REFERENCE.

                  The  following   documents  filed  by  Interchange   Financial
         Services  Corporation  (the  "Company")  with the  Commission  are also
         incorporated herein by reference:

               (a)  The  Company's  Quarterly  Reports  on  Form  10-Q  for  the
                    quarters ended March 31, 1997 and June 30, 1997;

               (b)  The Company's  Annual Report on Form 10-K for the year ended
                    December 31, 1996; and

               (c)  The  description of the Company's  Common Stock contained in
                    its  Registration  Statement  on Form S-2 dated  October 29,
                    1992. (File 33-49840)

     In addition  to the  foregoing,  all  documents  subsequently  filed by the
Company  pursuant  to  Sections  13(a),  13(c),  14 and 15(d) of the  Securities
Exchange  Act  of  1934,  prior  to the  filing  of a  post-effective  amendment
indicating that all of the securities  offered hereunder have been sold or which
deregisters  all  securities  then  remaining  unsold,  shall  be  deemed  to be
incorporated by reference in this  Registration  Statement and to be part hereof
from the date of filing of such documents. Any statement contained in a document
incorporated by reference in this  Registration  Statement shall be deemed to be
modified or superseded for purposes of this Registration Statement to the extent
that a statement  contained herein or in any subsequently filed document that is
also 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statement so modified or superseded  shall not be deemed,  except as so modified
or superseded, to constitute a part of this Registration Statement.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 8.  EXHIBITS
            

          4(a) Interchange  Financial Services  Corporation Stock Option Plan of
               1989

          4(b) Form of Stock Option Agreement under Stock Option Plan

         *4(c) 1995  Amendment  (increasing  the number of shares from 80,000 to
               270,000)  and  1997  AMENDMENT  (adding  restricted  stock  grant
               authority) to Interchange  Financial  Services  Corporation Stock
               Option Plan of 1989 (now  entitled  "Stock  Option and  Incentive
               Stock Plan of 1997")

         *5    Opinion of Norris, McLaughlin & Marcus, P.A.

        *23(a) Consent of Deloitte & Touche, LLP

         23(b) Consent of Norris, McLaughlin & Marcus P.A.(included in Exhibit
                5)

         24    Power of Attorney (included on signature page)

 .........
         *Filed herewith
<PAGE>

                                   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 Township of Saddle Brook, State of New Jersey on the 25th day
of September, 1997.

                                     INTERCHANGE FINANCIAL SERVICES CORPORATION

                                     By:  /S/ANTHONY LABOZZETTA
                                           Anthony Labozzetta
                                           Senior Vice President and Treasurer
                                          (Chief Accounting Officer)

         KNOW  ALL MEN BY THESE  PRESENTS,  that  each  person  whose  signature
appears below constitutes and appoints Anthony S. Abbate and Anthony Labozzetta,
and either of them (with full power in each to act  alone),  his true and lawful
attorney-in-fact,  with  full  power of  substitution,  for him and in his name,
place  and  stead,  in any and all  capacities,  to sign any and all  amendments
(including post-effective  amendments) to this Registrant Statement, and to file
the  same,  with  all  exhibits  thereto,  and  other  documents  in  connection
therewith, with the Securities and Exchange Commission,  granting unto each said
attorney-in-fact  and agent full power and  authority to do and perform each and
every  act and  thing  requisite  and  necessary  to be done  in and  about  the
premises,  as  fully  to all  intents  and  purposes  as he might or could do in
person,  hereby  ratifying and  confirming all that said  attorneys-in-fact,  or
their  substitute or substitutes,  may lawfully do or cause to be done by virtue
hereof.

         Pursuant  to the  requirements  of the  Securities  Act of  1993,  this
Registration  Statement  has  been  signed  by  the  following  persons  in  the
capacities and on the dates indicated below.

/S/ANTHONY D. ANDORA   Chairman of the Board              September 25, 1997
Anthony D. Andora      and Director


/S/ANTHONY S. ABBATE   President, Chief Executive         September 25, 1997
Anthony S. Abbate      Officer and Director

/S/ANTHONY LABOZZETTA  Senior Vice President and          September 25, 1997
Anthony Labozzetta     Treasurer
                       (Chief Accounting Officer)

/S/DONALD L. CORRELL     Director                         September 25, 1997
Donald L. Correll


/S/ANTHONY R. COSCIA     Director                         September 25, 1997
Anthony R. Coscia


/S/JOHN J ECCLESTON      Director                         September 25, 1997
John J. Eccleston


/S/DAVID R. FICCA        Director                         September 25, 1997
David R. Ficca


/S/JAMES E. HEALEY       Director                         September 25, 1997
James E. Healey


/S/NICHOLAS R. MARCALUS  Director                         September 25, 1997
Nicholas R. Marcalus


/S/ELEANORE S. NISSLEY   Director                         September 25, 1997
Eleanore S. Nissley


/S/JEREMIAH F. O'CONNOR  Director                         September 25, 1997
Jeremiah F. O'Connor


/S/ROBERT P. RITTEREISER Director                         September 25, 1997
Robert P. Rittereiser


/S/BENJAMIN P. ROSENZWEIG Director                        September 25, 1997
Benjamin Rosenzweig
[{"type": "S-8", "sequence": "1", "description": "REGISTRATION STATEMENT", "secsgml_size_bytes": 6710}]
{"company-data": {"conformed-name": "INTERCHANGE FINANCIAL SERVICES CORP /NJ/", "cik": "0000755933", "assigned-sic": "6021", "irs-number": "222553159", "state-of-incorporation": "NJ", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "S-8", "act": "33", "file-number": "333-36689", "film-number": "97688056"}, "business-address": {"street1": "PARK 80 WEST PLAZA TWO", "street2": "ATTN INTERCHANGE STATE BANK", "city": "SADDLE BROOK", "state": "NJ", "zip": "07662", "phone": "2017032265"}, "mail-address": {"street1": "PARK 80 WEST", "street2": "PLAZE II", "city": "SADDLE BROOK", "state": "NJ", "zip": "07663"}, "former-company": [{"former-conformed-name": "INTERCHANGER STATE BANK", "date-changed": "19870416"}, {"former-conformed-name": "INTERCHANGE FINANCIAL SERVICES CORP", "date-changed": "19861209"}]}
PART I

              INFORMATION REQUIRED IN THE SECTION 10(A) PROSPECTUS

ITEM 1.           PLAN INFORMATION

                  Omitted.

ITEM 2.           REGISTRANT INFORMATION AND EMPLOYEE PLAN ANNUAL INFORMATION

                  Omitted

                                     PART II

               INFORMATION REQUIRED IN THE REGISTRATION STATEMENT

ITEM 3.           INCORPORATION OF DOCUMENTS BY REFERENCE

         THE   CONTENTS  OF   INTERCHANGE   FINANCIAL   SERVICES   CORPORATION'S
         REGISTRATION  STATEMENT  ON  FORM  S-8,  REGISTRATION  #33-82530,   ARE
         INCORPORATED HEREIN BY REFERENCE.

                  The  following   documents  filed  by  Interchange   Financial
         Services  Corporation  (the  "Company")  with the  Commission  are also
         incorporated herein by reference:

               (a)  The  Company's  Quarterly  Reports  on  Form  10-Q  for  the
                    quarters ended March 31, 1997 and June 30, 1997;

               (b)  The Company's  Annual Report on Form 10-K for the year ended
                    December 31, 1996; and

               (c)  The  description of the Company's  Common Stock contained in
                    its  Registration  Statement  on Form S-2 dated  October 29,
                    1992. (File 33-49840)

     In addition  to the  foregoing,  all  documents  subsequently  filed by the
Company  pursuant  to  Sections  13(a),  13(c),  14 and 15(d) of the  Securities
Exchange  Act  of  1934,  prior  to the  filing  of a  post-effective  amendment
indicating that all of the securities  offered hereunder have been sold or which
deregisters  all  securities  then  remaining  unsold,  shall  be  deemed  to be
incorporated by reference in this  Registration  Statement and to be part hereof
from the date of filing of such documents. Any statement contained in a document
incorporated by reference in this  Registration  Statement shall be deemed to be
modified or superseded for purposes of this Registration Statement to the extent
that a statement  contained herein or in any subsequently filed document that is
also 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 8.  EXHIBITS
            

          4(a) Interchange  Financial Services  Corporation Stock Option Plan of
               1989

          4(b) Form of Stock Option Agreement under Stock Option Plan

         *4(c) 1995  Amendment  (increasing  the number of shares from 80,000 to
               270,000)  and  1997  AMENDMENT  (adding  restricted  stock  grant
               authority) to Interchange  Financial  Services  Corporation Stock
               Option Plan of 1989 (now  entitled  "Stock  Option and  Incentive
               Stock Plan of 1997")

         *5    Opinion of Norris, McLaughlin & Marcus, P.A.

        *23(a) Consent of Deloitte & Touche, LLP

         23(b) Consent of Norris, McLaughlin & Marcus P.A.(included in Exhibit
                5)

         24    Power of Attorney (included on signature page)

 .........
         *Filed herewith
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 Township of Saddle Brook, State of New Jersey on the 25th day
of September, 1997.

                                     INTERCHANGE FINANCIAL SERVICES CORPORATION

                                     By:  /S/ANTHONY LABOZZETTA
                                           Anthony Labozzetta
                                           Senior Vice President and Treasurer
                                          (Chief Accounting Officer)

         KNOW  ALL MEN BY THESE  PRESENTS,  that  each  person  whose  signature
appears below constitutes and appoints Anthony S. Abbate and Anthony Labozzetta,
and either of them (with full power in each to act  alone),  his true and lawful
attorney-in-fact,  with  full  power of  substitution,  for him and in his name,
place  and  stead,  in any and all  capacities,  to sign any and all  amendments
(including post-effective  amendments) to this Registrant Statement, and to file
the  same,  with  all  exhibits  thereto,  and  other  documents  in  connection
therewith, with the Securities and Exchange Commission,  granting unto each said
attorney-in-fact  and agent full power and  authority to do and perform each and
every  act and  thing  requisite  and  necessary  to be done  in and  about  the
premises,  as  fully  to all  intents  and  purposes  as he might or could do in
person,  hereby  ratifying and  confirming all that said  attorneys-in-fact,  or
their  substitute or substitutes,  may lawfully do or cause to be done by virtue
hereof.

         Pursuant  to the  requirements  of the  Securities  Act of  1993,  this
Registration  Statement  has  been  signed  by  the  following  persons  in  the
capacities and on the dates indicated below.

/S/ANTHONY D. ANDORA   Chairman of the Board              September 25, 1997
Anthony D. Andora      and Director

/S/ANTHONY S. ABBATE   President, Chief Executive         September 25, 1997
Anthony S. Abbate      Officer and Director

/S/ANTHONY LABOZZETTA  Senior Vice President and          September 25, 1997
Anthony Labozzetta     Treasurer
                       (Chief Accounting Officer)

/S/DONALD L. CORRELL     Director                         September 25, 1997
Donald L. Correll

/S/ANTHONY R. COSCIA     Director                         September 25, 1997
Anthony R. Coscia

/S/JOHN J ECCLESTON      Director                         September 25, 1997
John J. Eccleston

/S/DAVID R. FICCA        Director                         September 25, 1997
David R. Ficca

/S/JAMES E. HEALEY       Director                         September 25, 1997
James E. Healey

/S/NICHOLAS R. MARCALUS  Director                         September 25, 1997
Nicholas R. Marcalus

/S/ELEANORE S. NISSLEY   Director                         September 25, 1997
Eleanore S. Nissley

/S/JEREMIAH F. O'CONNOR  Director                         September 25, 1997
Jeremiah F. O'Connor

/S/ROBERT P. RITTEREISER Director                         September 25, 1997
Robert P. Rittereiser

/S/BENJAMIN P. ROSENZWEIG Director                        September 25, 1997
Benjamin Rosenzweig