Flushing Financial 8-K June 30, 2004 Press Release UNITED STATES
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) July 20, 2004
FLUSHING FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter)
000-24272
(Commission File Number)
DELAWARE
(State or other jurisdiction of incorporation)
11-3209278
(I.R.S. Employer Identification Number)
144-51 NORTHERN BOULEVARD FLUSHING, NEW YORK 11354
(Address of principal executive offices)
(718) 961-5400
(Registrant's telephone number, including area code)
Not Applicable
(Former name or former address, if changed since last report)

Item 12. Results of Operations and Financial Condition

Flushing Financial Corporation (Nasdaq: FFIC), the parent holding company for Flushing Savings Bank, FSB, on July 20, 2004 announced its results for the three and six months ended June 30, 2004. Attached as Exhibit 99.1 is the Company's press release dated July 20, 2004.

Item 7(c). Exhibits

99.1. Press release of Flushing Financial Corporation, dated July 20, 2004.

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.


Date: July 21, 2004


		FLUSHING FINANCIAL CORPORATION

	By:	/s/ Michael J. Hegarty

	Name:	Michael J. Hegarty
	Title:	President & Chief Executive Officer

INDEX TO EXHIBITS


Exhibit		Page
99.1	Press release of Flushing Financial Corporation,
	dated July 20, 2004	5