**UNITED      STATES**

**SECURITIES      AND EXCHANGE COMMISSION**

**WASHINGTON,      D.C. 20549**

**FORM      8-K**

**CURRENT      REPORT**

**UNITED      FINANCIAL BANCORP, INC.**

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

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

----

| **Item                2.02** | **Results                of Operations and Financial                Condition.** |
|------------------------------|----------------------------------------------------------------------------------|

| **Item                9.01.** | **Financial                Statements and                Exhibits.** |
|-------------------------------|----------------------------------------------------------------------|

| (a) | Not                Applicable. |
|-----|--------------------------------|

| (b) | Not                Applicable. |
|-----|--------------------------------|

| (c) | Not                Applicable. |
|-----|--------------------------------|

| (d) | Exhibits. |
|-----|-----------|

|   | Exhibit                No. | Description                                      |
|--------|----------------------------|--------------------------------------------------|
|   |                       |                                             |
|   | 99.1                       | Press                release dated July 19, 2007 |
|   |                       |                                             |

**SIGNATURES**

|                               | **UNITED                FINANCIAL BANCORP, INC.** |                                                                      |
|------------------------------------|---------------------------------------------------|---------------------------------------------------------------------------|
|                               |                                              |                                                                      |   |
|                               |                                              |                                                                      |   |
| DATE:                July 23, 2007 | By:                                               | /s/                Richard B. Collins                                     |   |
|                               |                                              | Richard                B. Collins                                         |   |
|                               |                                              | President                and Chief Executive                Officer  |
|                               |                                              |                                                                      |   |