**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)       |

| 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                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 April 20, 2007 |

**SIGNATURES**

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