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

| 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                8.01 | Other                Events. |
|--------------------------|------------------------------|

| 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) | Exhibits |
|--------|-----|----------|

|   | Number | Description                                          |
|--------|--------|------------------------------------------------------|
|   |   |                                                 |
|   | 99.1   | Press                Release dated February 21, 2008 |

----

|                                   |   | NAUGATUCK                VALLEY FINANCIAL CORPORATION |
|----------------------------------------|--------|-------------------------------------------------------|
|                                   |   |                                                  |   |
|                                   |   |                                                  |   |
|                                   |   |                                                  |   |
|                                   |   |                                                  |   |
| Date:                February 21, 2008 |   | By:                                                   | /s/              John C. Roman  |
|                                   |   |                                                  | John                C. Roman |
|                                   |   |                                                  | President                and Chief Executive Officer |