SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934

Date of Report (date of earliest event reported): November 319, 2003

WARWICK COMMUNITY BANCORP, INC.

(Exact name of Registrant as specified in its Charter)

Delaware

State or other jurisdiction of
incorporation)

000-23293

(Commission File No.)

06-1497903

(IRS Employer Identification
Number)

18 Oakland Avenue, Warwick, New York 10990-0591

(Address of principal executive offices, including zip code)

Registrant's telephone number, including area code: (845) 986-2206

N/A

(Former name or former address, if changed since last Report)

~~Item~~ITEM 125. ~~Results~~OTHER ~~of Operations and Financial Condition~~EVENTS

On November 319, 2003, the Registrant issued ~~its~~the ~~earnings~~press release, ~~for~~attached ~~the~~to ~~quarterly~~this ~~period~~report ~~ended~~as ~~September~~Exhibit 3099.1, ~~2003.~~announcing ~~The~~that ~~earnings~~it ~~release~~has adopted its tenth stock repurchase program, ~~attached~~under which the Company may repurchase up to ~~this~~5% ~~report~~of asits ~~Exhibit~~outstanding ~~99.1,~~common isstock ~~incorporated~~in ~~herein~~open bymarket ~~reference~~purchases or otherwise.

~~SIGNATURES~~ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS

~~Pursuant~~(c) The tofollowing ~~the~~exhibit ~~requirements~~is offiled ~~the~~as ~~Securities~~part ~~Exchange Act~~ of ~~1934, the Registrant has duly caused~~ this Report ~~to be signed on its behalf by the undersigned thereunto duly authorized.~~:

~~WARWICK~~ 99.1 ~~COMMUNITY~~Press ~~BANCORP~~Release dated November 19, ~~INC~~2003.

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SIGNATURES

Date: November 5, 2003	By: /s/ Fred G. Kowal
	Fred G. Kowal
	Chairman and Chief Executive Officer

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the undersigned thereunto duly authorized.

~~EXHIBIT~~WARWICK ~~INDEX~~COMMUNITY BANCORP, INC. Date: November 19, 2003 By: /s/ Ronald J. Gentile Ronald J. Gentile President and Chief Operating Officer

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EXHIBIT INDEX

Exhibit No.	~~Description~~	Description
99.1	~~Press Release dated November 3, 2003~~	Press Release dated November 19, 2003

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