| Maryland                                            | 000-52947                  | 74-3242562            |
|-----------------------------------------------------|----------------------------|-----------------------|
| (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)       |

| [  ] | Written      communications pursuant to Rule 425 under the Securities Act (17 CFR      230.425) |
|----------------|-------------------------------------------------------------------------------------------------|

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

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

| [  ] | 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 January 26,      2009. |
|   |             |                                            |

|                                   | UNITED      FINANCIAL BANCORP, INC. |
|----------------------------------------|-------------------------------------|
|                                   |                                |   |
| DATE:  January 27,      2009 | By:                                 |   |
|                                   |                                | Richard      B. Collins |
|                                   |                                | President and Chief Executive      Officer |
|                                   |                                |   |