As filed with the Securities and Exchange Commission on July 28, 2006.
                                                    Registration No. ___________


                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549


                                    FORM S-8
                             REGISTRATION STATEMENT
                                      UNDER
                           THE SECURITIES ACT OF 1933


                           Roma Financial Corporation
             -------------------------------------------------------
             (Exact name of Registrant as specified in its charter)

           United States                                       51-0533946
-------------------------------                            ------------------
(State or other jurisdiction of                            (I.R.S. Employer
incorporation or organization)                             Identification No.)

                  2300 Route 33 Robbinsville, New Jersey 08691
                 ----------------------------------------------
                    (Address of principal executive offices)

                                    Roma Bank
                               401(k) Savings Plan
                               -------------------
                            (Full Title of the Plan)

                               Margaret T. Norton
                              Senior Vice President
                                  2300 Route 33
                         Robbinsville, New Jersey 08691
                                 (609) 223-8300
                                 --------------
            (Name, address and telephone number of agent for service)

                                   Copies to:
                               Richard Fisch, Esq.
                              Evan M. Seigel, Esq.
                            Malizia Spidi & Fisch, PC
                            901 New York Avenue, N.W.
                                 Suite 210 East
                             Washington, D.C. 20001
                                 (202) 434-4660
                                 --------------
<TABLE>
<CAPTION>
                                          CALCULATION OF REGISTRATION FEE
===================================================================================================================
Title of                                            Proposed Maximum        Proposed Maximum            Amount of
Securities to                 Amount to be              Offering                Offering               Registration
be Registered(1)              Registered(2)        Price Per Share(3)           Price (4)                  Fee
----------------              -------------        ------------------          -----------                ----
<S>                              <C>                     <C>                   <C>                       <C>
Common Stock
$0.10 par value
per share                        73,342                  $14.93                $1,094,996                $117.16
===================================================================================================================
</TABLE>

(1)      In addition,  pursuant to Rule 416(c) under the Securities Act of 1933,
         this  registration  statement  also covers an  indeterminate  amount of
         interests  to be  offered  or sold  pursuant  to the Roma  Bank  401(k)
         Savings Plan (the "Plan"), as described herein.
(2)      Estimates the maximum number of shares  expected to be issued under the
         Plan assuming that all employer and employee  contributions to the Plan
         are  used  to  purchase  shares  of  Common  Stock  of  Roma  Financial
         Corporation (the "Company"),  together with an indeterminate  number of
         shares which may be necessary to adjust the number of additional shares
         of Common Stock  reserved  for issuance  pursuant to the Plan and being
         registered  herein,  as the result of a stock  split,  stock  dividend,
         reclassification,  recapitalization,  or similar  adjustment(s)  of the
         Common Stock of the Company.
(3)      Estimated  solely for the purpose of calculating the  registration  fee
         and  calculated  pursuant to Rule 457(c)  based upon the average of the
         high and low prices of the Common Stock of the  Registrant  as reported
         on the Nasdaq National Market on July 27, 2006.
(4)      Estimated based on (2) and (3) above.

         THIS REGISTRATION  STATEMENT SHALL BECOME EFFECTIVE  AUTOMATICALLY UPON
THE DATE OF FILING,  IN ACCORDANCE  WITH SECTION 8(A) OF THE  SECURITIES  ACT OF
1933.

<PAGE>



                                     PART I

              INFORMATION REQUIRED IN THE SECTION 10(A) PROSPECTUS

ITEM 1.  PLAN INFORMATION. *
------

ITEM 2.  REGISTRANT INFORMATION AND EMPLOYEE PLAN ANNUAL INFORMATION. *
------

         *This  Registration  Statement  relates to the  registration  of 73,342
shares of Common Stock, $0.10 par value per share, of Roma Financial Corporation
(the  "Company")  reserved for issuance and delivery  under the Roma Bank 401(k)
Savings Plan (the "Plan"). Documents containing the information required by Part
I of this  Registration  Statement will be sent or given to  participants in the
Plan as  specified  by Rule  428(b)(1).  Such  documents  are not filed with the
Securities and Exchange  Commission  (the  "Commission")  either as part of this
Registration  Statement or as prospectuses or prospectus supplements pursuant to
Rule 424, in reliance on Rule 428.


                                     PART II

               INFORMATION REQUIRED IN THE REGISTRATION STATEMENT

ITEM 3.  INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE.
------

     The  Company  became  subject  to  the  informational  requirements  of the
Securities  Exchange  Act of  1934  (the  "1934  Act")  on  May  12,  2006  and,
accordingly,  files periodic reports and other  information with the Commission.
Reports,  proxy  statements and other  information  concerning the Company filed
with the  Commission  may be inspected and copies may be obtained (at prescribed
rates) at the  Commission's  Public  Reference  Section,  Room  1024,  450 Fifth
Street, N.W., Washington, D.C. 20549.

     The  following  documents  filed by the  Company are  incorporated  in this
Registration Statement by reference:

     1.   The  description  of the  Company's  securities  as  contained  in the
          Company's  Registration  Statement  on Form  8-A,  as  filed  with the
          Commission on May 12, 2006;

     2.   The  Prospectus,  filed  with  the  SEC by the  Registrant  (File  No.
          333-132415)  on  May  23,  2006,   which  includes  the   consolidated
          statements of financial  condition of Roma Financial  Corporation  and
          subsidiaries  as of  December  31,  2005  and  2004,  and the  related
          consolidated  statements of income, changes in stockholders equity and
          cash  flows  for each of the  years  in the  three-year  period  ended
          December 31,  2005,  together  with related  notes and report of Beard
          Miller Company LLP dated February 28, 2006.

     3.   Form 8-K filed on July 11, 2006.

     4.   Form 8-K filed on July 12, 2006.

     5.   The  Company`s  Quarterly  Report on Form 10-Q for the  quarter  ended
          March 31, 2006.

                                      - 2

<PAGE>

     All documents subsequently filed by the Company pursuant to Sections 13(a),
13(c),  14, and 15(d) of the 1934 Act,  prior to the filing of a  post-effective
amendment  which  indicates that all securities  offered 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 a part hereof
from the date of filing of such documents.

ITEM 4.  DESCRIPTION OF SECURITIES.
------

         Not Applicable.

ITEM 5.  INTERESTS OF NAMED EXPERTS AND COUNSEL.
------

         Not Applicable.

ITEM 6.  INDEMNIFICATION OF DIRECTORS AND OFFICERS.
------

     Section  545.121  of the  Office of Thrift  Supervision  (OTS)  regulations
provides indemnification for directors and officers of Roma Bank. Although there
are no  indemnification  provisions in the charter and bylaws of the Registrant,
all the  directors  and officers of the  Registrant  hold the same position with
Roma Bank and have indemnification under OTS Regulations as described below.

     Generally,  federal  regulations  define areas for  indemnity  coverage for
federal savings associations as follows:

     (a) Any person  against  whom any action is brought or  threatened  because
that  person is or was a  director  or  officer  of the  savings  bank  shall be
indemnified by the savings bank for:

          (i) Any amount for which that person  becomes  liable under a judgment
in such action; and

          (ii) Reasonable costs and expenses,  including  reasonable  attorneys'
fees,  actually  paid or incurred by that person in defending  or settling  such
action,  or in  enforcing  his or her  rights  under  this  section if he or she
attains a favorable judgment in such enforcement action.

     (b)  Indemnification  shall be made to such person under  paragraph  (b) of
this Section only if:

          (i) Final judgment on the merits is in his or her favor; or

          (ii) In case of:

               a.   Settlement,
               b.   Final judgment against him or her, or
               c.   Final  judgment  in his  or her  favor,  other  than  on the
                    merits, if a majority of the disinterested  directors of the
                    savings  bank  determine  that he or she was  acting in good
                    faith within the scope of his or her

                                      - 3 -

<PAGE>

                    employment or authority as he or she could  reasonably  have
                    perceived it under the circumstances and for a purpose he or
                    she could  reasonably have believed under the  circumstances
                    was in the best interest of the savings bank or its members.
                    However, no indemnification shall be made unless the savings
                    bank  gives  the  Office  at  least  60 days  notice  of its
                    intention  to make such  indemnification.  Such notice shall
                    state the facts on which the action arose,  the terms of any
                    settlement,  and any  disposition  of the action by a court.
                    Such notice,  a copy  thereof,  and a certified  copy of the
                    resolution  containing  the  required  determination  by the
                    board of directors  shall be sent to the Regional  Director,
                    who shall promptly  acknowledge receipt thereof.  The notice
                    period  shall  run from the  date of such  receipt.  No such
                    indemnification shall be made if the OTS advises the savings
                    bank in writing, within such notice period, of its objection
                    thereto.

     (c) As used in this paragraph:

          (i)  "Action"  means any  judicial or  administrative  proceeding,  or
               threatened  proceeding,  whether civil,  criminal,  or otherwise,
               including any appeal or other proceeding for review;

          (ii) "Court" includes,  without  limitation,  any court to which or in
               which any appeal or any proceeding for review is brought;

          (iii) "Final Judgment" means a judgment, decree, or order which is not
               appealable  or as to which the period for appeal has expired with
               no appeal taken;

          (iv) "Settlement"  includes  the entry of a  judgment  by  consent  or
               confession or a plea of guilty or of nolo contendere.

     Each person who was or is made a party or is  threatened to be made a party
to or is otherwise  involved in any action,  suit or proceeding,  whether civil,
criminal,  administrative  or  investigative  (hereinafter a  "proceeding"),  by
reason of the fact that he is or was a  Director,  officer  or  employee  of the
Company or is or was  serving  at the  request  of the  Company  as a  Director,
Officer or employee of another  corporation or of a partnership,  joint venture,
trust or other enterprise, including service with respect to an employee benefit
plan  (hereinafter  an  "indemnitee"),  whether the basis of such  proceeding is
alleged action in an official capacity as a Director,  officer or employee or in
any other  capacity while serving as a Director,  officer or employee,  shall be
indemnified and held harmless by the Company to the fullest extent authorized by
the  Regulations  of the OTS,  as the same  exists or may  hereafter  be amended
against all expense,  liability and loss (including  attorneys' fees, judgments,
fines,  ERISA  excise  taxes  or  penalties  and  amounts  paid  in  settlement)
reasonably incurred or suffered by such indemnitee in connection therewith.

     The right to indemnification conferred herein shall include the right to be
paid by the Company the expenses  incurred in defending  any such  proceeding in
advance  of its final  disposition,  to the  fullest  extent  authorized  by the
Regulations of the OTS. The rights to indemnification  and to the advancement of
expenses  conferred  herein  shall be  contract  rights  and such  rights  shall
continue  as to an  indemnitee  who has  ceased  to be a  Director,  officer  or
employee and shall inure to the benefit of the indemnitee's heirs, executors and
administrators.

                                      - 4 -

<PAGE>

ITEM 7.  EXEMPTION FROM REGISTRATION CLAIMED.
------

     Not Applicable.

ITEM 8.  EXHIBITS.
------

     For a list of all exhibits  filed or included as part of this  Registration
Statement, see "Index to Exhibits" at the end of this Registration Statement.

     In lieu of an opinion of counsel  concerning the Plan's compliance with the
requirements of ERISA,  the Company hereby  undertakes that it has submitted the
Plan and any  amendment  thereto to the Internal  Revenue  Service  ("IRS") in a
timely manner and will make all changes  required by the IRS in order to qualify
the Plan.

ITEM 9.  UNDERTAKINGS.
------

     (a)  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 of 1933;

          (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;

          (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  (a)(1)(i) and (a)(1)(ii) do no apply if the
registration statement is on Form S-3, Form S-8, and the information required to
be included in a  post-effective  amendment by those  paragraphs is contained in
periodic reports filed by the registrant  pursuant to Section 13 or 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 of 1933, 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.

     (b) The  undersigned  registrant  hereby  undertakes  that, for purposes of
determining  any liability  under the Securities Act of 1933, each filing of the
registrant's annual report pursuant to section 13(a) or

                                      - 5 -

<PAGE>

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.

     (c) The undersigned  registrant hereby undertakes to deliver or cause to be
delivered with the prospectus,  to each person to whom the prospectus is sent or
given,  the latest annual report,  to security  holders that is  incorporated by
reference  in  the  prospectus  and  furnished   pursuant  to  and  meeting  the
requirements  of Rule 14a-3 or Rule 14c-3 under the  Securities  Exchange Act of
1934;  and,  where  interim  financial  information  required to be presented by
Article 3 of Regulation S-X is not set forth in the prospectus,  to deliver,  or
cause to be  delivered to each person to whom the  prospectus  is sent or given,
the latest  quarterly  report that is specifically  incorporated by reference in
the prospectus to provide such interim financial information.

     (d) Insofar as indemnification for liabilities arising under the Securities
Act of 1933 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
1933  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  expressed in the 1933 Act and
will be governed by the final adjudication of such issue.

                                      - 6 -

<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 City of Robbinsville in the State of New Jersey, on the 26th
day of July, 2006.

                                    ROMA FINANCIAL CORPORATION


Dated: July 26, 2006               By: /s/Peter A. Inverso
       -------------                   -----------------------------------------
                                       Peter A. Inverso
                                       President and Chief Executive Officer
                                       (Duly Authorized Representative)

                                POWER OF ATTORNEY

     We, the undersigned directors and officers of Roma Financial Corporation do
hereby severally  constitute and appoint Peter A. Inverso as our true and lawful
attorney  and agent,  to do any and all  things  and acts in our Roma  Financial
Corporation  names in the capacities  indicated below and to execute any and all
instruments for us and in our names in the capacities indicated below which said
Peter A.  Inverso may deem  necessary  or  advisable  to enable  Roma  Financial
Corporation  to comply with the  Securities  Act of 1933,  as  amended,  and any
rules,  regulations and requirements of the Securities and Exchange  Commission,
in  connection  with the  Registration  Statement  on Form S-8  relating  to the
registrant,  including specifically,  but not limited to, power and authority to
sign,  for  any of us in  our  names  in the  capacities  indicated  below,  the
Registration  Statement  and any and all  amendments  (including  post-effective
amendments)  thereto;  and we hereby  ratify and  confirm all that said Peter A.
Inverso shall do or cause to be done by virtue hereof.

     Pursuant  to  the   requirements  of  the  Securities  Act  of  1933,  this
Registration  Statement  has been signed below by the  following  persons in the
capacities indicated as of the date indicated.
<TABLE>
<CAPTION>

<S>                                                           <C>
/s/Maurice T. Perilli                                         /s/Peter A. Inverso
--------------------------------------------                  -----------------------------------------------
Maurice T. Perilli                                            Peter A. Inverso
Chairman of the Board and                                     Director, President and Chief Executive Officer
Executive Vice President                                      (Principal Executive Officer)


Date:    July 26, 2006                                        Date:  July 26, 2006
         -----------------------------------                         ----------------------------------------


/s/Simon H. Belli                                             /s/Louis A. Natale, Jr.
--------------------------------------------                  -----------------------------------------------
Simon H. Belli                                                Louis A. Natale, Jr.
Director                                                      Director


Date:    July 26, 2006                                        Date:  July 26, 2006
         -----------------------------------                         ----------------------------------------

<PAGE>




/s/Rudolph A. Palombi, Sr.                                    /s/Michele Siekerka
--------------------------------------------                  -----------------------------------------------
Rudolph A. Palombi, Sr.                                       Michele Siekerka
Director                                                      Director


Date:    July 26, 2006                                        Date:  July 26, 2006
         -----------------------------------                         ----------------------------------------


/s/Robert H. Rosen                                            /s/Sharon L. Lamont
--------------------------------------------                  -----------------------------------------------

Robert H. Rosen                                               Sharon L. Lamont
Director                                                      Chief Financial Officer
                                                              (Principal Financial and Accounting Officer)


Date:    July 26, 2006                                        Date:  July 26, 2006
         -----------------------------------                         ----------------------------------------
</TABLE>

<PAGE>



                                   SIGNATURES

     Pursuant  to the  requirements  of the  Securities  Act of  1933,  the plan
administrator  of the  Roma  Bank  401(k)  Savings  Plan has  duly  caused  this
registration statement to be signed on its behalf by the undersigned,  thereunto
duly authorized,  in the City of Robbinsville,  State of New Jersey on this 26th
day of July, 2006.



                                      Roma Bank
                                      401(k) Savings Plan



                                      By:  /s/Margaret T. Norton
                                           ------------------------------------
                                           Margaret T. Norton
                                           Its Senior Vice President
                                           As Plan Administrator on behalf of
                                           Roma Bank


<PAGE>


                                INDEX TO EXHIBITS



Exhibit                  Description
-------                  -----------

4.1           Roma Bank 401(k) Savings Bank, with amendments

4.2           Summary Plan Description of the Plan

4.3           Trust Document for the Plan

5.1           Favorable determination letter dated March 18, 2004, confirming
              that the Plan is qualified under Section 401 of the Internal
              Revenue Code of 1986, as amended

23.1          Consent of Beard Miller Company LLP
[{"type": "S-8", "sequence": "1", "filename": "fs8_080106-0375.txt", "description": "FORM S-8 - ROMA BANK 401K SAVINGSS PLAN", "secsgml_size_bytes": 25469}]
{"company-data": {"conformed-name": "ROMA FINANCIAL CORP", "cik": "0001355823", "assigned-sic": "6035", "irs-number": "510533946", "state-of-incorporation": "X1", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "S-8", "act": "33", "file-number": "333-136112", "film-number": "06988009"}, "business-address": {"street1": "2300 ROUTE 33", "city": "ROBBINSVILLE", "state": "NJ", "zip": "08691", "phone": "(800) 223-8300"}, "mail-address": {"street1": "2300 ROUTE 33", "city": "ROBBINSVILLE", "state": "NJ", "zip": "08691"}}
As filed with the Securities and Exchange Commission on July 28, 2006.
                                                    Registration No. ___________

                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                    FORM S-8
                             REGISTRATION STATEMENT
                                      UNDER
                           THE SECURITIES ACT OF 1933

                           Roma Financial Corporation
             -------------------------------------------------------
             (Exact name of Registrant as specified in its charter)

           United States                                       51-0533946
-------------------------------                            ------------------
(State or other jurisdiction of                            (I.R.S. Employer
incorporation or organization)                             Identification No.)

                  2300 Route 33 Robbinsville, New Jersey 08691
                 ----------------------------------------------
                    (Address of principal executive offices)

                                    Roma Bank
                               401(k) Savings Plan
                               -------------------
                            (Full Title of the Plan)

                               Margaret T. Norton
                              Senior Vice President
                                  2300 Route 33
                         Robbinsville, New Jersey 08691
                                 (609) 223-8300
                                 --------------
            (Name, address and telephone number of agent for service)

                                   Copies to:
                               Richard Fisch, Esq.
                              Evan M. Seigel, Esq.
                            Malizia Spidi & Fisch, PC
                            901 New York Avenue, N.W.
                                 Suite 210 East
                             Washington, D.C. 20001
                                 (202) 434-4660
                                 --------------
CALCULATION OF REGISTRATION FEE
===================================================================================================================
Title of                                            Proposed Maximum        Proposed Maximum            Amount of
Securities to                 Amount to be              Offering                Offering               Registration
be Registered(1)              Registered(2)        Price Per Share(3)           Price (4)                  Fee
----------------              -------------        ------------------          -----------                ----
Common Stock
$0.10 par value
per share                        73,342                  $14.93                $1,094,996                $117.16
===================================================================================================================
(1)      In addition,  pursuant to Rule 416(c) under the Securities Act of 1933,
         this  registration  statement  also covers an  indeterminate  amount of
         interests  to be  offered  or sold  pursuant  to the Roma  Bank  401(k)
         Savings Plan (the "Plan"), as described herein.
(2)      Estimates the maximum number of shares  expected to be issued under the
         Plan assuming that all employer and employee  contributions to the Plan
         are  used  to  purchase  shares  of  Common  Stock  of  Roma  Financial
         Corporation (the "Company"),  together with an indeterminate  number of
         shares which may be necessary to adjust the number of additional shares
         of Common Stock  reserved  for issuance  pursuant to the Plan and being
         registered  herein,  as the result of a stock  split,  stock  dividend,
         reclassification,  recapitalization,  or similar  adjustment(s)  of the
         Common Stock of the Company.
(3)      Estimated  solely for the purpose of calculating the  registration  fee
         and  calculated  pursuant to Rule 457(c)  based upon the average of the
         high and low prices of the Common Stock of the  Registrant  as reported
         on the Nasdaq National Market on July 27, 2006.
(4)      Estimated based on (2) and (3) above.

         THIS REGISTRATION  STATEMENT SHALL BECOME EFFECTIVE  AUTOMATICALLY UPON
THE DATE OF FILING,  IN ACCORDANCE  WITH SECTION 8(A) OF THE  SECURITIES  ACT OF
1933.
PART I

              INFORMATION REQUIRED IN THE SECTION 10(A) PROSPECTUS

ITEM 1.  PLAN INFORMATION. *
------

ITEM 2.  REGISTRANT INFORMATION AND EMPLOYEE PLAN ANNUAL INFORMATION. *
------

         *This  Registration  Statement  relates to the  registration  of 73,342
shares of Common Stock, $0.10 par value per share, of Roma Financial Corporation
(the  "Company")  reserved for issuance and delivery  under the Roma Bank 401(k)
Savings Plan (the "Plan"). Documents containing the information required by Part
I of this  Registration  Statement will be sent or given to  participants in the
Plan as  specified  by Rule  428(b)(1).  Such  documents  are not filed with the
Securities and Exchange  Commission  (the  "Commission")  either as part of this
Registration  Statement or as prospectuses or prospectus supplements pursuant to
Rule 424, in reliance on Rule 428.

                                     PART II

               INFORMATION REQUIRED IN THE REGISTRATION STATEMENT

ITEM 3.  INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE.
------

     The  Company  became  subject  to  the  informational  requirements  of the
Securities  Exchange  Act of  1934  (the  "1934  Act")  on  May  12,  2006  and,
accordingly,  files periodic reports and other  information with the Commission.
Reports,  proxy  statements and other  information  concerning the Company filed
with the  Commission  may be inspected and copies may be obtained (at prescribed
rates) at the  Commission's  Public  Reference  Section,  Room  1024,  450 Fifth
Street, N.W., Washington, D.C. 20549.

     The  following  documents  filed by the  Company are  incorporated  in this
Registration Statement by reference:

     1.   The  description  of the  Company's  securities  as  contained  in the
          Company's  Registration  Statement  on Form  8-A,  as  filed  with the
          Commission on May 12, 2006;

     2.   The  Prospectus,  filed  with  the  SEC by the  Registrant  (File  No.
          333-132415)  on  May  23,  2006,   which  includes  the   consolidated
          statements of financial  condition of Roma Financial  Corporation  and
          subsidiaries  as of  December  31,  2005  and  2004,  and the  related
          consolidated  statements of income, changes in stockholders equity and
          cash  flows  for each of the  years  in the  three-year  period  ended
          December 31,  2005,  together  with related  notes and report of Beard
          Miller Company LLP dated February 28, 2006.

     3.   Form 8-K filed on July 11, 2006.

     4.   Form 8-K filed on July 12, 2006.

     5.   The  Company`s  Quarterly  Report on Form 10-Q for the  quarter  ended
          March 31, 2006.

                                      - 2
All documents subsequently filed by the Company pursuant to Sections 13(a),
13(c),  14, and 15(d) of the 1934 Act,  prior to the filing of a  post-effective
amendment  which  indicates that all securities  offered 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 a part hereof
from the date of filing of such documents.

ITEM 4.  DESCRIPTION OF SECURITIES.
------

         Not Applicable.

ITEM 5.  INTERESTS OF NAMED EXPERTS AND COUNSEL.
------

         Not Applicable.

ITEM 6.  INDEMNIFICATION OF DIRECTORS AND OFFICERS.
------

     Section  545.121  of the  Office of Thrift  Supervision  (OTS)  regulations
provides indemnification for directors and officers of Roma Bank. Although there
are no  indemnification  provisions in the charter and bylaws of the Registrant,
all the  directors  and officers of the  Registrant  hold the same position with
Roma Bank and have indemnification under OTS Regulations as described below.

     Generally,  federal  regulations  define areas for  indemnity  coverage for
federal savings associations as follows:

     (a) Any person  against  whom any action is brought or  threatened  because
that  person is or was a  director  or  officer  of the  savings  bank  shall be
indemnified by the savings bank for:

          (i) Any amount for which that person  becomes  liable under a judgment
in such action; and

          (ii) Reasonable costs and expenses,  including  reasonable  attorneys'
fees,  actually  paid or incurred by that person in defending  or settling  such
action,  or in  enforcing  his or her  rights  under  this  section if he or she
attains a favorable judgment in such enforcement action.

     (b)  Indemnification  shall be made to such person under  paragraph  (b) of
this Section only if:

          (i) Final judgment on the merits is in his or her favor; or

          (ii) In case of:

               a.   Settlement,
               b.   Final judgment against him or her, or
               c.   Final  judgment  in his  or her  favor,  other  than  on the
                    merits, if a majority of the disinterested  directors of the
                    savings  bank  determine  that he or she was  acting in good
                    faith within the scope of his or her

                                      - 3 -
employment or authority as he or she could  reasonably  have
                    perceived it under the circumstances and for a purpose he or
                    she could  reasonably have believed under the  circumstances
                    was in the best interest of the savings bank or its members.
                    However, no indemnification shall be made unless the savings
                    bank  gives  the  Office  at  least  60 days  notice  of its
                    intention  to make such  indemnification.  Such notice shall
                    state the facts on which the action arose,  the terms of any
                    settlement,  and any  disposition  of the action by a court.
                    Such notice,  a copy  thereof,  and a certified  copy of the
                    resolution  containing  the  required  determination  by the
                    board of directors  shall be sent to the Regional  Director,
                    who shall promptly  acknowledge receipt thereof.  The notice
                    period  shall  run from the  date of such  receipt.  No such
                    indemnification shall be made if the OTS advises the savings
                    bank in writing, within such notice period, of its objection
                    thereto.

     (c) As used in this paragraph:

          (i)  "Action"  means any  judicial or  administrative  proceeding,  or
               threatened  proceeding,  whether civil,  criminal,  or otherwise,
               including any appeal or other proceeding for review;

          (ii) "Court" includes,  without  limitation,  any court to which or in
               which any appeal or any proceeding for review is brought;

          (iii) "Final Judgment" means a judgment, decree, or order which is not
               appealable  or as to which the period for appeal has expired with
               no appeal taken;

          (iv) "Settlement"  includes  the entry of a  judgment  by  consent  or
               confession or a plea of guilty or of nolo contendere.

     Each person who was or is made a party or is  threatened to be made a party
to or is otherwise  involved in any action,  suit or proceeding,  whether civil,
criminal,  administrative  or  investigative  (hereinafter a  "proceeding"),  by
reason of the fact that he is or was a  Director,  officer  or  employee  of the
Company or is or was  serving  at the  request  of the  Company  as a  Director,
Officer or employee of another  corporation or of a partnership,  joint venture,
trust or other enterprise, including service with respect to an employee benefit
plan  (hereinafter  an  "indemnitee"),  whether the basis of such  proceeding is
alleged action in an official capacity as a Director,  officer or employee or in
any other  capacity while serving as a Director,  officer or employee,  shall be
indemnified and held harmless by the Company to the fullest extent authorized by
the  Regulations  of the OTS,  as the same  exists or may  hereafter  be amended
against all expense,  liability and loss (including  attorneys' fees, judgments,
fines,  ERISA  excise  taxes  or  penalties  and  amounts  paid  in  settlement)
reasonably incurred or suffered by such indemnitee in connection therewith.

     The right to indemnification conferred herein shall include the right to be
paid by the Company the expenses  incurred in defending  any such  proceeding in
advance  of its final  disposition,  to the  fullest  extent  authorized  by the
Regulations of the OTS. The rights to indemnification  and to the advancement of
expenses  conferred  herein  shall be  contract  rights  and such  rights  shall
continue  as to an  indemnitee  who has  ceased  to be a  Director,  officer  or
employee and shall inure to the benefit of the indemnitee's heirs, executors and
administrators.

                                      - 4 -
ITEM 7.  EXEMPTION FROM REGISTRATION CLAIMED.
------

     Not Applicable.

ITEM 8.  EXHIBITS.
------

     For a list of all exhibits  filed or included as part of this  Registration
Statement, see "Index to Exhibits" at the end of this Registration Statement.

     In lieu of an opinion of counsel  concerning the Plan's compliance with the
requirements of ERISA,  the Company hereby  undertakes that it has submitted the
Plan and any  amendment  thereto to the Internal  Revenue  Service  ("IRS") in a
timely manner and will make all changes  required by the IRS in order to qualify
the Plan.

ITEM 9.  UNDERTAKINGS.
------

     (a)  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 of 1933;

          (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;

          (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  (a)(1)(i) and (a)(1)(ii) do no apply if the
registration statement is on Form S-3, Form S-8, and the information required to
be included in a  post-effective  amendment by those  paragraphs is contained in
periodic reports filed by the registrant  pursuant to Section 13 or 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 of 1933, 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.

     (b) The  undersigned  registrant  hereby  undertakes  that, for purposes of
determining  any liability  under the Securities Act of 1933, each filing of the
registrant's annual report pursuant to section 13(a) or

                                      - 5 -
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.

     (c) The undersigned  registrant hereby undertakes to deliver or cause to be
delivered with the prospectus,  to each person to whom the prospectus is sent or
given,  the latest annual report,  to security  holders that is  incorporated by
reference  in  the  prospectus  and  furnished   pursuant  to  and  meeting  the
requirements  of Rule 14a-3 or Rule 14c-3 under the  Securities  Exchange Act of
1934;  and,  where  interim  financial  information  required to be presented by
Article 3 of Regulation S-X is not set forth in the prospectus,  to deliver,  or
cause to be  delivered to each person to whom the  prospectus  is sent or given,
the latest  quarterly  report that is specifically  incorporated by reference in
the prospectus to provide such interim financial information.

     (d) Insofar as indemnification for liabilities arising under the Securities
Act of 1933 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
1933  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  expressed in the 1933 Act and
will be governed by the final adjudication of such issue.

                                      - 6 -
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 Robbinsville in the State of New Jersey, on the 26th
day of July, 2006.

                                    ROMA FINANCIAL CORPORATION

Dated: July 26, 2006               By: /s/Peter A. Inverso
       -------------                   -----------------------------------------
                                       Peter A. Inverso
                                       President and Chief Executive Officer
                                       (Duly Authorized Representative)

                                POWER OF ATTORNEY

     We, the undersigned directors and officers of Roma Financial Corporation do
hereby severally  constitute and appoint Peter A. Inverso as our true and lawful
attorney  and agent,  to do any and all  things  and acts in our Roma  Financial
Corporation  names in the capacities  indicated below and to execute any and all
instruments for us and in our names in the capacities indicated below which said
Peter A.  Inverso may deem  necessary  or  advisable  to enable  Roma  Financial
Corporation  to comply with the  Securities  Act of 1933,  as  amended,  and any
rules,  regulations and requirements of the Securities and Exchange  Commission,
in  connection  with the  Registration  Statement  on Form S-8  relating  to the
registrant,  including specifically,  but not limited to, power and authority to
sign,  for  any of us in  our  names  in the  capacities  indicated  below,  the
Registration  Statement  and any and all  amendments  (including  post-effective
amendments)  thereto;  and we hereby  ratify and  confirm all that said Peter A.
Inverso shall do or cause to be done by virtue hereof.

     Pursuant  to  the   requirements  of  the  Securities  Act  of  1933,  this
Registration  Statement  has been signed below by the  following  persons in the
capacities indicated as of the date indicated.
/s/Maurice T. Perilli                                         /s/Peter A. Inverso
--------------------------------------------                  -----------------------------------------------
Maurice T. Perilli                                            Peter A. Inverso
Chairman of the Board and                                     Director, President and Chief Executive Officer
Executive Vice President                                      (Principal Executive Officer)

Date:    July 26, 2006                                        Date:  July 26, 2006
         -----------------------------------                         ----------------------------------------

/s/Simon H. Belli                                             /s/Louis A. Natale, Jr.
--------------------------------------------                  -----------------------------------------------
Simon H. Belli                                                Louis A. Natale, Jr.
Director                                                      Director

Date:    July 26, 2006                                        Date:  July 26, 2006
         -----------------------------------                         ----------------------------------------
/s/Rudolph A. Palombi, Sr.                                    /s/Michele Siekerka
--------------------------------------------                  -----------------------------------------------
Rudolph A. Palombi, Sr.                                       Michele Siekerka
Director                                                      Director

Date:    July 26, 2006                                        Date:  July 26, 2006
         -----------------------------------                         ----------------------------------------

/s/Robert H. Rosen                                            /s/Sharon L. Lamont
--------------------------------------------                  -----------------------------------------------

Robert H. Rosen                                               Sharon L. Lamont
Director                                                      Chief Financial Officer
                                                              (Principal Financial and Accounting Officer)

Date:    July 26, 2006                                        Date:  July 26, 2006
         -----------------------------------                         ----------------------------------------
SIGNATURES

     Pursuant  to the  requirements  of the  Securities  Act of  1933,  the plan
administrator  of the  Roma  Bank  401(k)  Savings  Plan has  duly  caused  this
registration statement to be signed on its behalf by the undersigned,  thereunto
duly authorized,  in the City of Robbinsville,  State of New Jersey on this 26th
day of July, 2006.

                                      Roma Bank
                                      401(k) Savings Plan

                                      By:  /s/Margaret T. Norton
                                           ------------------------------------
                                           Margaret T. Norton
                                           Its Senior Vice President
                                           As Plan Administrator on behalf of
                                           Roma Bank
INDEX TO EXHIBITS

Exhibit                  Description
-------                  -----------

4.1           Roma Bank 401(k) Savings Bank, with amendments

4.2           Summary Plan Description of the Plan

4.3           Trust Document for the Plan

5.1           Favorable determination letter dated March 18, 2004, confirming
              that the Plan is qualified under Section 401 of the Internal
              Revenue Code of 1986, as amended

23.1          Consent of Beard Miller Company LLP