**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 19, 2007





NAUGATUCK
      VALLEY FINANCIAL CORPORATION


(Exact
      Name of Registrant as Specified in Its Charter)





United
                States
            0-50876
            65-1233977(State
                or other jurisdiction of
            (Commission
            (IRS
                Employerincorporation
                or organization)
            File
                Number)
            Identification
                No.)333
                Church Street, Naugatuck, Connecticut
            
            06770(Address
                of principal executive offices)
            
            (Zip
                Code)





(203)
      720-5000


(Registrant’s
      telephone number, including area code)





Not
      Applicable


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








Check
      the
      appropriate box below if the Form 8-K filing is intended to simultaneously
      satisfy the filing obligation of the registrant under any of the following
      provisions:





o  Written
      communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)





o  Soliciting
      material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
      240.14a-12)





o  Pre-commencement
      communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR
      240.14d-2(b))





oPre-commencement
      communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR
      240.13e-4(c))











Item
      2.02 Results of Operations
      and Financial Condition




On
      July
      19, 2007, Naugatuck
      Valley
      Financial Corporation (the “Company”) issued a press release announcingunaudited financial results for the six months ended June 30, 2007 and
      announcing the declaration of a cash dividend for the quarter ended June 30,
      2007, of $.05 per share to stockholders of record on August 6, 2007 with a
      payment date on or around September 1, 2007.  For more information,
      reference is made to the Company’s press release dated July 19, 2007, a copy of
      which is attached to this Report as Exhibit 99.1 and is furnished
      herewith.




**Item
      9.01Financial Statements
      and
      Exhibits**




(d) The
      following exhibit is filed herewith:




Exhibit
                99.1
            Press
                Release dated July 19, 2007




















**SIGNATURES**





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.








NAUGATUCK
                VALLEY FINANCIAL CORPORATIONDate:
                July 19, 2007
            By:
            /s/
                John C. RomanJohn
                C. RomanPresident
                and Chief Executive Officer