**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): May
      13, 2006





**UNITED
      FINANCIAL BANCORP, INC.**


(Exact
      Name of Registrant as Specified in its Charter)





Federal
            
            000-51369
            
            83-0395247(State
                or Other Jurisdiction
            
            (Commission
                File No.)
            
            (I.R.S.
                Employerof
                Incorporation)
            
            
            
            Identification
                No.)





95
                Elm Street, West Springfield, Massachusetts
            01089(Address
                of Principal Executive Offices)
            (Zip
                Code)





Registrant’s
      telephone number, including area code:  (413)
      787-1700





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 (see General Instruction A.2. below):





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))





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











**Item
      1.01**  **Entry
      Into a Material Definitive Agreement**





On
      May 5,
      2006, United Bank (the “Bank”), the principal operating subsidiary of United
      Financial Bancorp, Inc. (the “Registrant”), entered into a Separation Agreement
      and General Release (the “Agreement”) with its former Executive Vice President
      and Chief Financial Officer, Mr. Donald F.X. Lynch. The Agreement was effective
      on May 13, 2006.





The
      Agreement provides that Mr. Lynch will receive a lump sum payment of one year’s
      salary (less appropriate taxes and deductions), his 2005 bonus, the continuation
      for one year of his health and dental insurance, and the transfer to Mr. Lynch
      of ownership of his company car. Additionally, pursuant to the Agreement, the
      Bank amended Mr. Lynch’s Supplemental Executive Retirement Plan to permit him to
      receive early retirement benefits under the plan regardless of the fact that
      Mr.
      Lynch’s separation date occurred prior to his attaining age 62. The Agreement
      also provides for a mutual release by the Bank and Mr. Lynch from claims against
      the other.





Mr.
      Lynch’s departure from the Registrant and the Bank was previously announced by
      the Registrant in a Form 8-K filed on March 10, 2006.





The
      Agreement is attached as Exhibit 10.1 and incorporated herein by reference.





**Item
      9.01**  **Financial
      Statements and Exhibits**





(a)  Financial
      statements of businesses acquired: Not Applicable.





(b) Pro
      forma
      financial information: Not Applicable.





(c) Shell
      Company Transactions: Not Applicable





(d)                        
          Exhibit:    Exhibit 10.1: Separation
          Agreement and General Release with Donald F.X. Lynch











**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, hereunto
      duly authorized.








**UNITED
                FINANCIAL BANCORP, INC.**DATE:
            May
                16, 2006
            
            By:
            /s/****Richard
                B. CollinsRichard
                B. CollinsPresident
                and Chief Executive Officer