****SECURITIES AND EXCHANGE COMMISSION****Washington, D.C. 20549****
****FORM 10-Q****
|    | QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934  |
|----|------------------------------------------------------------------------------------------|
|    | For the quarterly period ended March 31, 2004                                            |
| OR |
|    | TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 |
|    | For the transition period from ______________________ to ________________________        |
|    | Commission File Number: 0-23293                                                          |

****Warwick Community Bancorp, Inc.***(Exact name of registrant as specified in its charter)***
| **Delaware***(State or other jurisdictionof incorporation or organization)* |                                                                                    | **06-1497903***(I.R.S. EmployerIdentification No.)* |
|-----------------------------------------------------------------------------|------------------------------------------------------------------------------------|-----------------------------------------------------|
|                                                                             | **18 Oakland Avenue, Warwick, New York***(Address of principal executive offices)* | **10990-0591***(Zip code)*                          |
|                                                                             | **(845) 986-2206***(Registrant's telephone number, including area code)*           |                                                     |

            Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the Registrant was required to file such reports), and (2) has been subject to suchfiling for the past 90 days.

                        Yes   X           No        

            Indicate by check mark whether the Registrant is an accelerated filer (as defined in Rule 12b-2 of theAct).

YES   X              NO        

            As of May 10, 2004, there were 4,523,143 shares of the registrant's common stock outstanding.

****
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****FORM 10-Q****
****Warwick Community Bancorp, Inc.****
****INDEX****
|  |  | Page**PART I - FINANCIAL INFORMATION**Number Item 1.Financial Statements -- Unaudited Consolidated Statements of Financial Condition atMarch 31, 2004 and December 31, 20034 Consolidated Statements of Income for the three monthsended March 31, 2004 and 20035 Consolidated Statement of Changes in Equity forthe three months ended March 31, 2004 and 20036 Consolidated Statements of Cash Flows for the threemonths ended March 31, 2004 and 20037 Notes to Unaudited Consolidated Financial Statements8-12 Item 2.Management's Discussion and Analysis of FinancialCondition and Results of Operations12-20 Item 3.Quantitative and Qualitative Disclosures about Market Risk21 Item 4.Controls and Procedures21 **PART II - OTHER INFORMATION** Item 1.Legal Proceedings22 Item 2.Changes in Securities, Use of Proceeds and Issuer Purchase of Securities22 Item 3.Defaults Upon Senior Securities22 Item 4.Submission of Matters to a Vote of Security Holders22 Item 5.Other Information22 Item 6.Exhibits and Reports on Form 8-K22 Signature Page23 Exhibit Index2NEXT PAGEStatements contained in this Form 10-Q which are not historical facts are forward-looking statements, as that term is defined in the Private Securities Litigation Reform Act of 1995. Suchforward-looking statements are subject to risks and uncertainties which could cause actual results to differ materially from those projected. Such risks and uncertainties include, but are not limitedto, general economic conditions; changes in interest rates, deposit flows, loan demand, real estate values and competition; changes in accounting principles, policies or guidelines; changes inlegislation or regulation; other economic, competitive, governmental, regulatory or technological factors affecting the Company's operations, pricing, products and services; and other risks detailedin documents filed by the Company with the Securities and Exchange Commission from time to time. Forward-looking statements made by us are based on beliefs, plans, objectives, goals, expectations,anticipations, estimates and intention of management as of the date made and are not guarantees of future performance. We expressly disclaim any obligation to update or revise any forward-lookingstatements based on the occurrence of future events, the receipt of new information, or otherwise.3NEXT PAGE
**PART I - FINANCIAL INFORMATION**

**Item 1.  Financial Statements - Unaudited**
**WARWICK COMMUNITY BANCORP, INC. AND SUBSIDIARIES****CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION****(Unaudited)**March 31,2004December 31,2003(Dollars in thousands)**ASSETS**Cash on hand and in banks$  69,200 $  55,344 Securities:Available-for-sale, at fair value316,823 337,705 Held-to-maturity, at amortized cost (fair value of $2,834 at March 31, 2004 and $3,185 at December 31, 2003)2,830 3,178 Total securities319,653 340,883 Real estate loans, net247,832 255,078 Consumer loans, net43,776 45,564 Commercial business loans, net30,244 25,261 Total loans321,852 325,903 Allowance for loan losses(7,658)(4,925)Total loans, net314,194 320,978 Accrued interest receivable3,188 3,229 Federal Home Loan Bank stock8,925 9,175 Bank premises ∓ equipment, net9,419 9,416 Other real estate owned, net499 505 Bank owned life insurance12,973 12,801 Goodwill and other intangible assets2,351 2,402 Other assets available for sale601 --- Other assets5,631 5,263 Total assets$746,634 $759,996  **LIABILITIES AND STOCKHOLDERS' EQUITY**Liabilities:Deposits:Time$  94,601 $  98,163 Money market65,423 70,120 Savings and NOW248,159 248,306 Non-interest-bearing checking69,675 70,983 Total depositor accounts477,858 487,572 Mortgage escrow funds1,549 1,878 Accrued interest payable1,121 1,191 Federal Home Loan Bank advances178,495 183,495 Other liabilities12,515 12,026 Total liabilities671,538 686,162  **STOCKHOLDERS' EQUITY**Preferred stock, $.01 par value; 5,000,000 authorized; none      issued--- --- Common stock, $.01 par value; 15,000,000 shares authorized;      6,742,465 and 6,739,465 shares issued as of March 31, 2004 and      December 31, 2003, respectively; 4,498,724 and 4,495,724 shares      outstanding as of March 31, 2004 and December 31, 2003,      respectively67 67 Additional paid-in capital67,635 67,329 Retained earnings49,525 51,580 Accumulated other comprehensive income, net1,313 (1,365)Unallocated ESOP common stock(2,997)(3,221)Unearned RRP common stock(914)(1,023)114,629 113,367 Treasury stock (2,243,741 and 2,243,741 shares at March 31,      2004 and December 31, 2003, respectively)(39,533)(39,533)Total stockholders' equity75,096 73,834 Total liabilities and stockholders' equity$746,634 $759,996 *See accompanying Notes to Unaudited Financial Statements.*4NEXT PAGE
**WARWICK COMMUNITY BANCORP, INC. AND SUBSIDIARIESCONSOLIDATED STATEMENTS OF INCOME(Unaudited)**
For the Three MonthsEnded March 31,20042003(In thousands, except per share amounts)Interest Income:Interest on loans$  5,391 $  7,859 Interest and dividends on securities3,571 2,940 Interest on short-term money market instruments82 113 Total interest income9,044 10,912  Interest Expense:Time deposits477 771 Money market deposits146 275 Savings and NOW deposits590 1,108 Mortgagors' escrow deposits6 13 Borrowed funds2,311 2,790 Total interest expense3,530 4,957 Net interest income5,514 5,955  Provision for Loan Losses(3,423)(80)Net interest income after provision for loan losses2,091 5,875  Non-Interest Income:Service and fee income1,232 1,429 Gain on securities transactions--- 123 Net gain on sale of loans16 135 Other income172 198 Total non-interest income1,420 1,885  Non-Interest Expense:Salaries and employee benefits2,859 2,649 FDIC insurance21 20 Occupancy566 537 Data processing375 333 Advertising54 54 Professional fees791 193 Other843 756 Total non-interest expense5,509 4,542  Income(loss) before provision (benefit)for income taxes(1,998)3,218 Provision (benefit) for Income Taxes(617)1,241 Net income (loss)$(1,381)$  1,977  Weighted Average:Common shares4,248 4,424 Dilutive stock options--- 230 4,248 4,654 Earnings(loss) per Share:Basic$  (0.33)$    0.45 Diluted$  (0.33)$    0.42 
*See accompanying Notes to Unaudited Financial Statements.*
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**WARWICK COMMUNITY BANCORP, INC. AND SUBSIDIARIESCONSOLIDATED STATEMENTS OF CHANGES IN EQUITY(Unaudited)**
CommonStockAdditionalPaid InCapitalRetainedEarningsAccumulated OtherComprehensiveIncome (Loss), netUnallocatedCommon StockHeld by ESOPUnearnedCommon StockHeld by RRPTreasuryStockComprehensiveIncome (Loss)(In thousands) BALANCE, December 31, 2002$66$64,518$47,855 $585 $(4,069)$(1,488)$ (26,359)Net Income, January 1, 2003 - March 31, 2003------1,977 --- --- --- --- $1,977 Unrealized appreciation onsecurities available-for-sale, net--------- 95 --- --- --- 95 Comprehensive income$2,072 Purchase of treasury stock--------- --- --- --- (5,603)Allocation of ESOP stock---212--- --- 209 --- --- Cash dividends paid------(677)--- --- --- --- Stock option plan---23--- --- --- --- 4 Earned portion of RRP--------- --- --- 123 --- BALANCE, March 31, 2003$66$64,753$49,155 $680 $(3,860)$(1,365)$(31,958)BALANCE, December 31, 2003$67$67,329$51,580 $(1,365)$(3,221)$(1,023)$(39,533)Net Loss, January 1, 2004 -March 31, 2004------(1,381)--- --- --- --- $(1,381)Unrealized appreciation onsecurities available-for-sale, net--------- 2,678 --- --- --- 2,678 Comprehensive income$1,297 Purchase of treasury stock--------- --- --- --- --- Allocation of ESOP stock---255--- --- 224 --- --- Cash dividends paid------(674)--- --- --- --- Stock option plan---51--- --- --- --- --- Earned portion of RRP--------- --- --- 109 --- BALANCE, March 31, 2004$67$67,635$49,525 $1,313 $(2,997)$(914)$(39,533)*See accompanying Notes to Unaudited Financial Statements.*6NEXT PAGE
**WARWICK COMMUNITY BANCORP, INC. AND SUBSIDIARIESCONSOLIDATED STATEMENTS OF CASH FLOWS(Unaudited)**
For the Three MonthsEnded March 31,20042003(In thousands)CASH FLOWS FROM OPERATING ACTIVITIESNet income (loss)$  (1,381)$      1,977 Adjustments to reconcile net income to net cash used in operating activities:Depreciation226 205 Amortization of core deposit intangibles52 52 Net amortization on investment securities, net459 748 Net decrease (increase) in accrued interest receivable41 (153)Net decrease (increase) BOLI, other real estate and other assets(1,135)507 Provision for loan losses3,423 80 Net gain on sales of loans(16)(135)Mortgage loans originated for sale(6,076)(20,303)Proceeds from mortgage loan sales4,548 21,593 Net gain on sales of securities--- (123)Net decrease in accrued interest payable(70)(30)Net increase (decrease) in accrued expenses and other liabilities489 (760)Total reconciliation adjustments1,941 1,681 Net cash provided by operating activities560 3,658 CASH FLOWS FROM INVESTING ACTIVITIESProceeds from maturities and calls of securities9,028 1,934 Purchases of securities(3,578)(115,182)Proceeds from sale of securities available-for-sale--- 2,180 Principal repayments from mortgage-backed securities19,872 30,232 Redemption of Federal Home Loan Bank capital stock250 375 Net decrease in loans3,286 33,928 Purchases of fixed assets, net(229)(166)Net cash provided by (used in) investing activities28,629 (46,699)CASH FLOWS FROM FINANCING ACTIVITIESNet (decrease)increase in deposits(9,714)56,443 Net decrease in escrow deposits(329)(501)Net decrease in borrowed funds( 5,000)(2,000)Dividends on common stock( 674)(677)Purchase of treasury stock--- (5,603)Stock options exercised51 25 ESOP allocation224 210 Earned portion of RRP.109 123 Net cash (used in) provided by financing activities(15,333)48,020 Net increase in cash13,856 4,979 Cash and Cash Equivalents, beginning of year55,344 59,667 Cash and Cash Equivalents, end of period$  69,200 $    64,646 SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:Cash paid during the year for-Interest on deposits and borrowed funds$    3,600 $      4,987 Income taxes84 728 
*See accompanying Notes to Unaudited Financial Statements.*
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**WARWICK COMMUNITY BANCORP, INC.NOTES TO UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS**

**1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES**

          Certain information and footnote disclosures normally included in the consolidated financial statements prepared in accordance withaccounting principles generally accepted in the United States of America have been condensed or omitted pursuant to the rules and regulations of the Securities and Exchange Commission ("SEC"). Theseunaudited condensed consolidated financial statements should be read in conjunction with the consolidated financial statements and notes thereto included in the December 31, 2003 Annual Report onForm 10-K, filed on March 15, 2004.

**          Basis of Presentation**

          The accompanying unaudited consolidated financial statements include the accounts of Warwick Community Bancorp, Inc. (" ParentCompany"), its savings bank subsidiary, The Warwick Savings Bank ("Warwick Savings"), and its commercial bank subsidiary, The Towne Center Bank ("Towne Center") and its title business subsidiary,Hardenburgh Abstract Company of Orange County, Inc. ("Hardenburgh"). The consolidated financial statements of the Parent Company and its subsidiaries (collectively, the "Company") conform togenerally accepted accounting principles and reporting practices followed by the banking industry. All significant intercompany balances and transactions are eliminated in consolidation.

          The unaudited consolidated financial statements included herein reflect all normal recurring adjustments which are, in the opinion ofmanagement, necessary to present a fair statement of the results for the interim periods presented. The results of operations for the three months ended March 31, 2004 are not necessarily indicativeof the results of operations that may be expected for the entire year ending December 31, 2004.

          **Earnings (Loss) Per Share**

           Basic earnings (loss)per share is computed by dividing net income (loss) by the weighted average number of common shares outstandingfor the period, adjusted for the unallocated portion of the shares held by the Warwick Community Bancorp, Inc. Employee Stock Ownership Plan ("ESOP") in accordance with American Institute ofCertified Public Accountants ("AICPA") Statement of Position 93-6, "Employers Accounting for Employee Stock Ownership Plans," and unearned shares held by the Recognition and Retention Plan of WarwickCommunity Bancorp, Inc. ("RRP"). Diluted earnings (loss) per share, which reflects the potential dilution that could occur if outstanding stock options were exercised and resulted in the issuance ofcommon stock that then shared in the earnings of the Company, is computed by dividing net income (loss) by the weighted average number of common shares and dilutive instruments.
**For the Three Months EndedMarch 31,****2004****2003**(In thousands, except pershare amounts)Net income (loss)$(1,381)$1,977 Basic weighted-average common shares outstanding4,248 4,424Plus: Dilutive stock options--- 230Diluted weighted-average common shares outstanding4,248 4,654Net income(loss) per common share:Basic$ (0.33)$  0.45Diluted$ (0.33)$  0.428NEXT PAGE**          Stock-Based Compensation**
          At March 31, 2004, the Company had stock-based employee compensation plans, including a stock option plan. The Company accounts for thisstock option plan under the recognition and measurement principles of Accounting Principles Board Opinion No. 25, "Accounting for Stock Issued to Employees" ("APB No. 25"), and relatedInterpretations. No stock-based employee compensation cost is reflected in net income, as all options granted under the plan had an exercise price equal to the market value of the underlying commonstock on the date of grant. The following table illustrates the effect on net income and earnings per share if the Company had applied the fair value recognition provisions of Financial Accounting Standards Board ("FASB") Statement of Financial Accounting Standards ("SFAS") No. 123, "Accounting for Stock-Based Compensation," to stock-based employeecompensation.
**For the Three MonthsEnded March 31,****2004****2003**(In thousands, except per shareamounts)Net (loss) income, as reported$(1,381)$1,977 Add: Stock-based compensation expenseincluded in reported net income, net ofrelated tax effects75 76 Deduct: Total stock-based compensationexpense determined under fairvalue based method for all awards, net ofrelated tax effect(98)(235)Pro forma net (loss) income$(1,404)$1,818 (Loss) earnings per share:Basic-as reported$(0.33)$0.45 Basic-pro forma$(0.33)$0.41 Diluted-as reported$(0.33)$0.42 Diluted-pro forma$(0.33)$0.39 There are 395,895 options that are currently exercisable. The fair value of each option was estimated on the date granted using the Black-Scholes option pricing model. There were no options grantedduring the first quarter of 2004. The fair value of the options granted in 2003 and 2002 was estimated to be $5.86 and $7.25, respectively. The following weighted-average assumptions were used forgrants in 2003 and 2002: risk free interest rate of 1.96% and 4.49%; expected dividend yield of 1.2%; expected life of five years; and expected volatility of 25.87% and 28.75%.
**          Comprehensive Income**

          Comprehensive income includes net income and all other changes in equity during a period except those resulting from investments byowners and distributions to owners. Other comprehensive income includes revenues, expenses, gains and losses that, under accounting principles generally accepted in the United States of America, areincluded in comprehensive income but excluded from net income. Comprehensive income and accumulated other comprehensive income are reported net of related income taxes. Accumulated othercomprehensive income for the Company consists solely of unrealized holding gains or losses on available for sale securities and an adjustment for the minimum pension liability.
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**2.          Agreement to Merge with Provident Bancorp, Inc.**

          On March 16, 2004, the Company announced that it had executed a definitive agreement with Provident Bancorp, Inc. ("Provident") in whichProvident will acquire the Company in exchange for cash and stock. The transaction was valued at approximately $153.4 million based upon the March 15 closing price for Provident. The total value ofthe transaction, and the implied value of the stock portion of the merger consideration, will fluctuate prior to completion of the merger as a result of fluctuations in the market price of Providentcommon stock prior to closing. Under the terms of the agreement, stockholders of the Company will be entitled to receive either cash or shares of Provident common stock, subject to election andallocation procedures which are intended to ensure that, in the aggregate, 50% of the shares of the Company are converted into the right to receive cash of $32.26 per share and that 50% are convertedinto the right to receive 2.781 shares of Provident common stock. It is currently anticipated that the merger will close in the fourth quarter of 2004 and is subject to receiving requisite regulatoryand shareholder approvals and other customary conditions.

**3.          Loan Portfolio Composition**

          The following table sets forth the composition of the Company's loan portfolio in dollar amounts and percentage of the portfolio at thedates indicated.
At March 31, 2004At December 31, 2003AmountPercentof TotalAmountPercentof Total(Dollars in thousands)**Real Estate Loans**:One- to four-family$  86,057 26.80%$  96,286 29.61%One-to four-family held for sale1,997 0.62   445 0.14   Multi family and commercial real estate154,605 48.14   154,180 47.41   Construction and development5,158 1.61   4,118 1.27             Total real estate loans247,817 77.17   255,029 78.43   Commercial business loans30,236 9.42   25,253 7.77   **Consumer loans:**Automobile14,510 4.52   17,562 5.40   Home equity27,748 8.64   26,588 8.18   Other consumer loans817 0.25   735 0.22             Total consumer loans43,075 13.41   44,885 13.80             Total loans321,128 100.00%325,167 100.00%Premiums and deferred loan costs, net724 736 Allowance for loan losses(7,658)(4,925)Total loans, net$314,194 $320,978 10NEXT PAGE**4.          Non-Performing Assets**
          The following table sets forth information regarding non-accrual loans,other past due loans, other real estate owned and other assets available for sale at the datesindicated.
March 31,2004December 31,2003(Dollars in thousands)Non-accrual loans:One- to four-family$2,066   $1,460   Multi family and commercial real estate---   ---   Commercial business loans---   ---   Consumer loans37   11   Total non-accrual loans2,103   1,471   Accruing loans delinquent 90 days or more:One- to four-family---   740   Commercial business loans119   ---   Total119   740   Total non-performing loans2,222   2,211   Foreclosed real estate:One- to four-family499   505   Total499   505   Other assets available for sale601   ---   Total non-performing assets$3,322   $2,716   Non-performing loans to total loans0.69%0.68%Total non-performing assets to total assets0.44%0.36%
          At March 31, 2004, the Company had $13.7 million in automobile leases originated through a third party. Substantially all of theseleases are scheduled to expire in 2004 and no leases have been originated since August 30, 2001. The third party originating the leases is responsible for any shortfall between the loan amount andthe proceeds from any insurance and the sale of the automobiles. In March 2004, the Company learned that this third party does not have the financial capability to pay any such shortfall. The Companyhas reviewed the actual sales prices of terminated lease vehicles as well as an independent assessment of the anticipated value of the automobiles as they become available for sale throughout 2004.The Company used this information to determine the appropriate provision for losses on this portion of its portfolio. At March 31, 2004, the total allowance for loan losses on the Company'sautomobile lease portfolio represented 29.9% of the outstanding balance of the portfolio, or $4.1 million. As leases terminate, the Company charges the allowance for loan losses for the differencebetween the recorded book value and the anticipated value of the automobiles and transfers the remaining book value from loans to other assets available for sale. Upon final sale of the automobile, again or loss may be recognized. During the quarter ended March 31, 2004, $1.3 million of leases terminated, $680,000 was charged to the allowance for loan losses and $601,000 was transferred toother assets available for sale.  The Company intends to continue to monitor the sales prices and anticipated value of the automobiles coming off lease and will record additional provisions for lossas and if appropriate.
11NEXT PAGE**5.          Allowance for Loan Losses**
          The following table sets forth the activity in the Company's allowance for loan losses at and for the periods indicated.
Three Months EndedMarch 31,Year EndedDecember 31,200420032003(Dollars in thousands)**Allowance for loan losses:**Balance at beginning of period$4,925$4,932$4,932**Charge-offs**:Commercial business------112Consumer loans691930Total charge-offs6919142**Recoveries**:Commercial business------19Consumer loans11026Total recoveries11045Provision for loan losses3,4238090Balance at end of Period$7,658$5,013$4,925Ratio of net charge-offs during the period toaverage loans outstanding0.21%---   0.03%Ratio of allowance for loan losses to total loansat end of period2.38%1.16%1.51%Ratio of allowance for loan losses to non-performing loans344.64%200.48%222.75%
**Item 2.  Management's Discussion and Analysis of Financial Condition and Results of Operations**

**General**

          The primary business of Warwick is the operation of its wholly owned subsidiaries, Warwick Savings, Towne Center and Hardenburgh.Presently, the only significant assets of Warwick are the capital stock of Warwick Savings, Towne Center and Hardenburgh, the note evidencing the loan Warwick made to the Warwick Community Bancorp,Inc. Employee Stock Ownership Plan ("ESOP") to allow the ESOP to purchase 8% of the Company's common stock issued in the Company's initial public offering and the investment of the net proceeds ofthe offering retained by the Company. The results of operations of the Company consists primarily those of Warwick Savings' activities.

          The Company's results of operations are dependent primarily on net interest income, which is the difference between the interest incomeearned on its interest-earning assets, such as loans and securities, and the interest expense on its interest-bearing liabilities, such as deposits and borrowed funds. Results of operations are alsoaffected by non-interest income and expense, the provision for loan losses and income tax expense. Non-interest income consists primarily of service charges, gain on sales of loans, gains (losses) onsecurities available for sale, net increases in the cash surrender value of bank-owned life insurance ("BOLI") and other fees. Non-interest expenses consist primarily of employee compensation12NEXT PAGEand benefits, occupancy expenses, federal deposit insurance premiums, net costs of real estate owned, data processing fees and other operating expenses. The Company's results of operations are alsosignificantly affected by general economic and competitive conditions (particularly changes in market interest rates), government policies, changes in accounting standards and actions of regulatoryagencies.
**Critical Accounting Policies and Estimates**

          "Management's Discussion and Analysis of Financial Condition and Results of Operation," is based upon the Company's consolidatedfinancial statements, which have been prepared in accordance with accounting principles generally accepted in the United States of America. The preparation of these financial statements requires theCompany to make estimates and judgments that affect the reported amounts of assets, liabilities, revenues and expenses. Accounting policy considered critical to our financial results is ourdetermination of the allowance for loan losses. Note 1 of the Company's Audited Consolidated Financial Statements for the year ended December 31, 2003 contains a summary of the Company's significantaccounting policies. Management believes the Company's policy with respect to the methodology for the determination of the allowance for loan losses involves a higher degree of complexity andrequires management to make difficult and subjective judgments which often require assumptions or estimates about highly uncertain matters. Changes in these judgments, assumptions or estimates couldmaterially impact results of operations. This critical policy and its application is periodically reviewed by the Audit Committee and the Board of Directors.

          The allowance for loan losses is based upon management's evaluation of the adequacy of the allowance, including an assessment of knownand inherent risks in the portfolio, giving consideration to the size and composition of the loan portfolio, actual loan loss experience, level of delinquencies, detailed analysis of individual loansfor which full collectibility may not be assured, the existence and estimated net realizable value of any underlying collateral and guarantees securing the loans, and current economic and marketconditions. Although management uses the best information available to it, the level of the allowance for loan losses remains an estimate which is subject to significant judgment and short-termchange. Various regulatory agencies, as an integral part of their examination process, periodically review the Company's allowance for loan losses. Such agencies may require the Company to makeadditional provisions for loan losses based upon information available to them at the time of their examination. Furthermore, the majority of the Company's loans are secured by real estate in thestates of New York and New Jersey. Accordingly, the collectibility of a substantial portion of the carrying value of the Company's loan portfolio is susceptible to changes in local market conditionsand may be adversely affected should real estate values decline or the New York and New Jersey areas experience adverse economic shock. Further adjustments to the allowance for loan losses may benecessary due to economic, operating, regulatory and other conditions beyond the Company's control.

**Financial Condition**

          *Total assets.* Total assets as of March 31, 2004 were $746.6 million, a decrease of $13.4 million, or 1.76%, from total assetsof $760.0 million at December 31, 2003. Average total assets for the three months ended March 31, 2004 were $747.2 million, a decrease of $54.5 million, or 6.8%, from average total assets of $801.7million at March 31, 2003.

          *Total securities.* Total securities decreased by $21.2 million, or 6.2%, to $319.7 million at March 31, 2004 from $340.9 millionat December 31, 2003. Securities available for sale decreased by $20.9 million, or 6.2%, primarily as the result of the prepayments on its mortgage-backed securities portfolio coupled with investmentsecurity calls due to the prevailing low interest rate environment.
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          *Net loans.* Net loans as of March 31, 2004 were $314.2 million, a decrease of $6.8 million , or 2.1%, from net loans of $321.0million at December 31, 2003. The decrease in net loans was primarily attributable to the $8.7 million decrease in one-to four- family real estate loans resulting from very high loan repayments.

          *Deposits.* Deposits as of March 31, 2004 were $477.8 million, down $9.7 million, or 2.0%, from December 31, 2003. Savings and NOW account balances, which totaled $248.2 million at March 31, 2004, represented 51.9% of deposits as of that date, compared with 50.9% at December31, 2003. Demand accounts totaled $69.7 million and represented 14.6% of total deposits at March 31, 2004, the same as December 31, 2003. Money market account balances, which totaled $65.4million at March 31, 2004, represented 13.7% of deposits as of that date, compared to 14.4% at December 31, 2003. Time certificates declined to 19.8% of deposits at March 31, 2004 from 20.1% atDecember 31, 2003.

          *FHLBNY advances.* Advances from the FHLBNY decreased $5.0 million, or 2.7%, to $178.5 million at March 31, 2004 from $183.5million at December 31, 2003. The decrease in borrowings was funded with the cash flows from loan and security repayments as set forth above.

          *Stockholders' Equity.* Stockholders' equity increased $1.3 million to $75.1 million at March 31, 2004, compared to $73.8 millionat December 31, 2003. The increase was primarily due to the increase of $2.7 million in the after-tax unrealized gains on securities available for sale. In addition, equity increased $638,000 due tothe allocation of employee stock ownership plan shares and the vesting of shares issued under the Company's recognition and retention plan. Partially offsetting these increases was a net loss of $1.4million and the payment of cash dividends of $674,000 at March 31, 2004.

          During the first quarter of 2004, the Company did not repurchase any of its common stock. On April 21, 2004, the Company declared adividend on its common stock of $0.15 per share of common stock. The dividend will be paid on May 14, 2004 to stockholders of record on May 3, 2004.

**Analysis of Net Interest Income**

          Net interest income represents the difference between income on interest-earning assets and expense on interest-bearing liabilities. Netinterest income depends upon the volume of interest-earning assets and interest-bearing liabilities and the interest rates earned or paid on them.
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          *Average Balance Sheets*. The following table shows average balances, interest earned or paid, and average interest rates for theperiods indicated. Such yields and costs were derived by dividing interest income or expense by the average balance of assets or liabilities, respectively, for the periods shown. The yields includedeferred fees and discounts, which are considered yield adjustments. Average balances were computed based on average daily balances.
Three Months Ended March 31,20042003AverageBalanceInterestAverageYield/CostAverageBalanceInterestAverageYield/CostAssets:(Dollars in thousands)Interest-earning assets:One-to four-family loans, net(1)$  92,433$1,5726.80%$221,791$  3,8156.88%Multi family and commercial realestate loans, net(1)158,0972,8007.08   154,4132,8067.27   Commercial business loans, net(1)27,8433485.00   26,6724116.16   Consumer loans, net(1)45,4426715.91   49,6308276.67   Mortgage-backed securities138,2931,5804.57   158,7401,7144.32   Collateralized mortgage obligations118,6641,0503.54   41,9094224.03   Interest earning accounts at banks39,047820.84   44,2061131.02   Investment securities84,4779414.46   60,3738045.33   Total interest-earning assets704,2969,0445.14   757,73410,9125.76   Non-interest earning assets42,90743,934Total assets$747,203$801,668Liabilities and stockholders' equity:Interest-bearing liabilities:Savings and NOW deposits$263,8715900.89%$233,5791,1081.90%Mortgagor's escrow deposits1,49361.61   2,379132.19   Money market accounts66,5951460.88   82,0872751.34   Time deposits95,9094771.99   113,6757712.71   Total deposits427,8681,2191.14   431,7202,1672.01   Borrowed funds180,0332,3115.13   216,5562,7905.15   Total interest-bearing liabilities607,9013,5302.32   648,2764,9573.06   Non-interest bearing liabilities64,01373,927Total liabilities671,914722,203Stockholders' equity75,28979,465Total liabilities and stockholders'equity$747,203$801,668Net interest income/interest rate spread$5,5142.82%$5,9552.70%Net interest-earning assets/netinterest margin$96,3953.13%$109,4583.14%Ratio of interest-earning assets tointerest-bearing liabilities115.86%116.88%(1)  In computing the average balance of loans, non-accrual loans have been included.15NEXT PAGE
*          Rate/Volume Analysis*. The following table presents the extent to which changes in interest rates and changes in the volume ofinterest-earning assets and interest-bearing liabilities have affected the Company's interest income and interest expense during the periods indicated. Information is provided in each category withrespect to (i) changes attributable to changes in volume (changes in volume multiplied by prior rate), (ii) changes attributable to changes in rate (changes in rate multiplied by prior volume) and(iii) the net change. The changes attributable to the combined impact of volume and rate have been allocated proportionately to the changes due to volume and the changes due to rate.
Three Months EndedMarch 31, 2004Compared toThree Months EndedMarch 31, 2003Increase (Decrease) in NetInterest Income Due toVolumeRateNet(In thousands)Interest-earning assets:One-to four-family loans, net$(2,225)$  (18)$(2,243)Multi family and commercial real estate loans, net67 (73)(6)Commercial business loans, net18 (81)(63)Consumer loans, net(70)(86)(156)Mortgage-backed securities(221)87 (134)Collateralized mortgage obligations773 (145)628 Interest earning accounts at banks(13)(18)(31)Investment securities321 (184)137           Total(1,350)(518)(1,868)Interest-bearing liabilities:Savings and NOW deposits144 (662)(518)Mortgagor's escrow deposits(5)(2)(7)Money market deposits(52)(77)(129)Time deposit(120)(174)(294)Borrowed funds(471)(8)(479)          Total(504)(923)(1,427)Net change in net interest income$  (846)$  405 $   (441)**Comparison of Operating Results for the Three Months Ended March 31, 2004 and 2003**
          *General*. For the three months ended March 31, 2004, the Company recognized a net loss of $1.4 million, or $0.33 per dilutedshare, as compared to net income of $2.0 million, or $0.42 per diluted share, for the three months ended March 31, 2003, which represents a $3.4 million decrease. The decrease was due to the $3.4million provision for loan loss that was taken in the first quarter as a result of an assessment of the Company's automobile lease portfolio. For the first quarter ended March 31, 2004, annualizedreturn on average assets ("ROAA") and annualized return on average equity ("ROAE") were (0.74%) and (7.34)%, respectively. The ROAA and ROAE for the corresponding quarter of 2003 were 0.99% and9.95%, respectively.
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          *Interest Income*. Interest income amounted to $9.0 million for the three months ended March 31, 2004, as compared to $10.9million for the three months ended March 31, 2003. This decrease of $1.9 million, or 17.1%, reflects the impact of the Federal Reserve Bank's interest rate reductions, which led to a significantincrease in one-to four-family mortgage loan and mortgage-backed securities prepayments that were reinvested at lower yields. The Company chose to reinvest these funds primarily in agencymortgage-backed securities and agency collateralized mortgage obligations at relatively lower yields rather than in long-term fixed-rate residential mortgages in order to manage its exposure torising rates. Average interest-earning assets for the quarter ended March 31, 2004 decreased $53.4 million, or 7.0% over average interest-earning assets for the quarter ended March 31, 2003. Averageloan balances decreased by $128.7 million for the quarter ended March 31, 2004 while the average balances of securities and other earning assets grew by $75.3 million. Average yields oninterest-earning assets fell by 62 basis points to 5.14% for the quarter ended March 31, 2004 from 5.76% for the comparable period in 2003.

          *Interest Expense*. Total interest expense for the three-month period ended March 31, 2004 decreased by $1.4 million whencompared to the same three-month period one year earlier. The decrease was primarily due to the decrease in the average balance of borrowed funds, lower rates paid on interest-bearing deposits, and ahigher concentration of non-interest-bearing and low interest-bearing deposits in 2004. Average rates paid on interest-bearing liabilities for the three-month period ended March 31, 2004 declined 74basis points to 2.32% from 3.06% the prior year. Partially offsetting these decreases was the increase of $30.3 million in the average balance of savings and NOW deposits.

          *Net Interest Income*. Net interest income for the three months ended March 31, 2004 decreased $441,000, or 7.4%, to $5.5 millioncompared to $5.9 million for the three months ended March 31, 2003, which was due primarily to the $129.3 million decrease in average one-to four-family loans. Net interest margin is net interestincome expressed as a percentage of total average earning assets. For the quarter ended March 31, 2004, the net interest margin was 3.13% as compared to 3.14% for the quarter ended March 31, 2003.Average interest-earning assets decreased $53.4 million from $757.7 million for the quarter ended March 31, 2003 to $704.3 million for the quarter ended March 31, 2004, while average interest-bearingliabilities decreased $40.4 million from $648.3 million to $607.9 million for the same period.

          *Provision for Loan Losses*. The provision for loan losses for the three months ended March 31, 2004 increased $3.4 millioncompared to the three months ended March 31, 2003. The increase in the provision was a result of the assessment done of the automobile leases, as well as management's assessment of the loan portfolioand its assessment of the local economy and market conditions and the adequacy of the allowance for loan losses.

          At March 31, 2004, the Company had $13.7 million in automobile leases originated through a third party. Substantially all of theseleases are scheduled to expire in 2004 and no leases have been originated since August 30, 2001. The third party originating the leases is responsible for any shortfall between the loan amount andthe proceeds from any insurance and the sale of the automobiles. In March 2004, the Company learned that this third party does not have the financial capability to pay any such shortfall. The Companyhas reviewed the actual sales prices of terminated lease vehicles as well as an independent assessment of the anticipated value of the automobiles as they become available for sale throughout 2004.The Company used this information to determine the appropriate provision for losses on this portion of its portfolio. At March 31, 2004, the total allowance for loan losses on the Company'sautomobile lease portfolio represented 29.9% of the outstanding balance of the portfolio, or $4.1 million. As leases terminate, the Company charges the allowance for loan losses for the differencebetween the recorded book value and the anticipated value of the automobiles and transfers the remaining book value17NEXT PAGEfrom loans to other assets available for sale. Upon final sale of the automobile, again or loss may be recognized. During the quarter ended March 31, 2004, $1.3 million of leases terminated, $680,000 was charged to the allowance for loan losses and $601,000 was transferred toother assets available for sale. The Company intends to continue to monitor the sales prices and anticipated value of the automobiles coming off lease and will record additional provisions for lossas and if appropriate. The net after tax amount of the proceeds from the sales of automobiles in this portfolio may be paid as a special cash dividend to shareholders pursuant to provisions of thepreviously announced merger agreement between the Company and Provident Bancorp. The amount of this dividend will depend on the performance of the auto lease portfolio and the merger agreementprovides that the dividend payment cannot exceed approximately $7.8 million. There can be no assurance as to the amount or timing of the dividend, or whether any dividend will be payable.
          *Non-Interest Income*. Non-interest income, net, for the quarters ended March 31, 2004 and 2003 totaled $1.4 million and $1.9million, respectively. Service and fee income, net gain on securities transactions and net gain on sale of loans decreased $197,000, $123,000 and $119,000, respectively, for the quarter ended March31, 2004, as compared to the quarter ended March 31, 2003. The decrease in service and fee income resulted primarily from the decrease in loan prepayment penalties and deposit fee income.

          *Non-Interest Expense*. Non-interest expense for the three-months ended March 31, 2004 increased $967,000 when compared to thesame period in 2003. Professional fees increased $598,000 due to merger costs incurred. Salaries and employee benefits increased $210,000 for the quarter ended March 31, 2004. The increase insalaries and employee benefits was primarily related to annual merit increases, staff for the new branch in Goshen which opened in June 2003 and the increase in medical claims. Partially offsettingthis increase was reduced pension costs, a reduction in post retirement health care cost and a decrease in thecost of stock-based compensation plans.

          *Provision (benefit) for Income Taxes*. The $1.9 million decrease in the provision for income taxes for the three-month period ended March31, 2004, as compared to the three-month period ended March 31, 2003, was primarily attributable to the 162.1% decrease in pre-tax income. The applicable tax rates for the first quarter of 2004 and2003 were (30.88)% and 38.56%, respectively.

**Liquidity and Capital Resources**

          The overall objective of our liquidity management is to ensure the availability of sufficient cash funds to meet all financialcommitments and to take advantage of investment opportunities. The Company manages liquidity in order to meet deposit withdrawals on demand or at contractual maturity, to repay borrowings as theymature, and to fund new loans and investments as opportunities arise.

          The Company's primary sources of funds are retail deposits, wholesale funding from FHLBNY or other bank borrowings, principal andinterest payments on loans and securities and, to a lesser extent, proceeds from the sale of securities. While maturities and scheduled amortization of loans and securities provide an indication ofthe timing of the receipt of funds, changes in interest rates, economic conditions and competition strongly influence mortgage prepayment rates and deposit flows, reducing the predictability of thetiming of sources of funds.

          The Company's cash flows are derived from operating activities, investing activities and financing activities as reported in theConsolidated Statements of Cash Flows in the Company's consolidated financial statements. The primary investing activities of the Company are the origination of multi-family 18NEXT PAGEand commercial realestate and commercial business loans, a variety of consumer loans, the purchase of mortgage-backed securities and debt and equity securities and the funding of mortgage loans originated for sale. TheCompany's investing activities are funded primarily by net deposit inflows, sales of loans and securities and principal repayments on loans and securities.
          At March 31, 2004, loan origination commitments totaled $15.4 million and the unadvanced/unused portion of lines of credit totaled $41.9million. Management of the Company believes it will have sufficient funds available to meet its current originations and other lending commitments.

          Deposit flows are generally affected by the level of market interest rates, the interest rates and other conditions on deposit productsoffered by the Company's banking competitors, and other factors. The net decrease in total deposits was $9.7 million for the quarter ended March 31, 2004. Certificates of deposit scheduled to maturein under one year from March 31, 2004 totaled $72.0 million. Based on historical experience and pricing strategy, management believes that a significant portion of such deposits will remain with theCompany.

          The Warwick Savings Bank and Towne Center Bank maintain appropriate levels of liquid assets. As a member of the FHLBNY, Warwick Savingshas the availability of a line of credit in the amount of $36.2 million on an over-night basis. In accordance with the FHLBNY's credit policy, the Company now has total credit facilities available ofnearly $56.0 million, inclusive of the aforementioned amounts, before the delivery of qualifying collateral is required. Additionally, the Company has another source of liquidity if the need arises which isto borrow up to $5 million from a commercial bank on an unsecured basis.

          At March 31, 2004, the Company had cash and due from banks of $69.2 million and securities available for sale of $316.8 million.Management believes these amounts, together with the Company's borrowing capabilities, to be more than adequate to meet its short-term cash needs.

          The Company's liquidity is available to, among other things, support future expansion of operations or diversification into otherbanking related businesses, pay dividends or repurchase its common stock. Total dividends declared and paid for the three-months ended March 31, 2004 aggregated $0.15 per share, or a total of$674,000. The declaration and payment of dividends are subject to, among other things, Warwick's financial condition and results of operations, regulatory capital requirements, tax considerations,industry standards, economic conditions, regulatory restrictions, general business practices and other factors.

**Regulatory Capital Position**

          The Company's primary regulator, the Federal Reserve Board (the "Federal Reserve") which regulates bank holding companies, has issuedguidelines classifying and defining bank holding company capital into the following components: (1) Tier I capital, which includes tangible stockholders' equity for common stock and certain perpetualpreferred stock, and (2) Tier II capital, which includes a portion of the allowance for loan losses and preferred stock that does not qualify as Tier I capital. The risk-based capital guidelinesrequire financial institution holding companies to maintain specific capital levels according to defined credit risk factors (risk-adjusted assets). As of March 31, 2004, the minimum Tier I andcombined Tier I and Tier II capital ratios required by the Federal Reserve for capital adequacy were 4% and 8%, respectively.
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          Warwick Savings and Towne Center are subject to minimum regulatory capital requirements imposed by the Federal Deposit InsuranceCorporation ("FDIC"), which requirements are, as a general matter, based on the amount and composition of an institution's assets. Insured institutions in the strongest financial and managerialcondition, with a rating of 1 (the highest examination rating of the FDIC under the Uniform Financial Institutions Rating System) are required to maintain Tier 1 capital of not less than 3.0% oftotal assets (the "leverage capital ratio"). For all other banks, the minimum leverage capital ratio is 4.0%, unless a higher leverage capital ratio is warranted by the particular circumstances orrisk profile of the institution.

The following table shows Warwick Savings' regulatory capital positions and ratios at March 31, 2004.
ActualFor Capital AdequacyPurposesTo Be WellCapitalized UnderPrompt CorrectiveAction ProvisionsAmountPercentAmountPercentAmountPercentTotal Capital     (to risk-weighted assets)$59,49316.98%$28,0328.00%$35,04010.00%Tier 1 Capital     (to risk-weighted assets)55,00715.70   14,0164.00   21,0246.00   Tier 1 Capital     (to average assets)55,0077.38   28,0874.00   35,1085.00   
The following table shows the Parent Company's regulatory capital positions and ratios as of March 31, 2004.
Actual CapitalFor Capital AdequacyPurposesTo Be WellCapitalizedAmountPercentAmountPercentAmountPercentTotal Capital     (to risk-weighted assets)$75,56419.44%$31,0928.00%$38,86410.00%Tier 1 Capital     (to risk-weighted assets)70,55118.15   15,5464.00   23,3196.00   Tier 1 Capital     (to average assets)70,5519.47   29,7944.00   N/AN/A   20NEXT PAGE
**Item 3.  Quantitative And Qualitative Disclosures About Market Risk**

          Quantitative and qualitative disclosure about market risk is presented at December 31, 2003 in the Company's Annual Report on Form 10-K,which was filed with the SEC on March 15, 2004. There have been no material changes in the Company's market risk at March 31, 2004 as compared to December 31, 2003. The Company's most significantform of market risk is interest rate risk, as the majority of its assets and liabilities are sensitive to changes in interest rates. As noted in Item 2, Management's Discussion and Analysis, thedecrease in the Company's net interest income is due, in part, to the relative changes in yield and cost of the Company's assets and liabilities as a result of the decreasing market interest rates in2002 and into 2003. Should market interest rates increase, the cost of interest-bearing liabilities may increase faster than the rates on interest-earning assets. Conversely, should market interestrates fall significantly below current levels, the Company's net interest margin may also be negatively impacted. Market risk is reviewed quarterly by the Company's Asset Liability Committee.

**Item 4.  Controls and Procedures**

          Evaluation of Disclosure Controls and Procedures: An evaluation of the Company's disclosure controls and procedures (as definedin Section 13(a)-15(e) of the Securities Exchange Act of 1934 (the "Exchange Act")) as of March 31, 2004 was carried out under the supervision and with the participation of the Company's ChiefExecutive Officer, Chief Financial Officer and several other members of the Company's senior management. The Company's Chief Executive Officer and Chief Financial Officer concluded that the Company'sdisclosure controls and procedures as currently in effect are effective in ensuring that the information required to be disclosed by the Company in the reports it files or submits under the ExchangeAct is (i) accumulated and communicated to the Company's management (including the Chief Executive Officer and Chief Financial Officer) in a timely manner, and (ii) recorded, processed, summarizedand reported within the time periods specified in the SEC's rules and forms. There have been no changes in internal controls over financial reporting (as defined in Rule 13a-15(f) of the ExchangeAct) that occurred during the quarter ended March 31, 2004, that have materially affected, or are reasonably likely to materially affect, our internal control over financial reporting.

          The Company intends to continually review and evaluate the design and effectiveness of its disclosure controls and procedures and toimprove its controls and procedures over time and to correct any deficiencies that it may discover in the future. The goal is to ensure that senior management has timely access to all materialfinancial and non-financial information concerning the Company's business. While the Company believes the present design of its disclosure controls and procedures is effective to achieve its goal,future events affecting its business may cause the Company to modify its disclosure controls and procedures.
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**PART II - OTHER INFORMATION**
**Item 1.****Legal Proceedings** The Company is involved in legal proceedings incurred in the normal course of business. In the opinion of management, none of these proceedings are expected to have a material effecton the consolidated financial position or results of operations of the Company. **Item 2.****Changes in Securities, Use of Proceeds and Issuer Purchase of Equity Securities** Not applicable. **Item 3.****Defaults upon Senior Securities** Not applicable. **Item 4.****Submission of Matters to a Vote of Security Holders** Not applicable. **Item 5.****Other Information** Not applicable. **Item 6.****Exhibits and Reports on Form 8-K** (a)Exhibits See Index to Exhibits. (b)Reports on Form 8-K On March 16, 2004, the Company filed a Form 8-K, dated March 18, 2004, with the SEC announcing the execution of a definitive merger agreement with Provident Bancorp, Inc. On April 9, 2004, the Company filed a Form 8-K, dated April 9, 2004, with the SEC announcing a new Annual Meeting date will be determined.22NEXT PAGE**SIGNATURES**
          Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on itsbehalf by the undersigned thereunto duly authorized.
**Warwick Community Bancorp, Inc.**(Registrant)   Date: May 10, 2004By:/s/ Fred G. KowalFred G. KowalChairman and Chief Executive Officer(Duly Authorized Officer)    Date: May 10, 2004By:  /s/Arthur W. BudichSenior Vice President and Chief Financial Officer(Principal Financial Officer)23NEXT PAGE
**INDEX TO EXHIBITS**
ExhibitNumberDocument 3.1       Certificate of Incorporation of Warwick Community Bancorp, Inc. (11) 3.2       Bylaws of Warwick Community Bancorp, Inc., as amended. 4.1       Certificate of Incorporation of Warwick Community Bancorp, Inc. (11) 4.2       Bylaws of Warwick Community Bancorp, Inc., as amended. See Exhibit 3.2. 4.3       Form of Stock Certificate of Warwick Community Bancorp, Inc. (1) 4.4       Rights Agreement between Warwick Community Bancorp, Inc. and Registrar and Transfer Company, dated as of October 17, 2000, as amended by Amendment No. One to the rights Agreement dated September17, 2002 (6) 4.5       Form of Right Certificate (7) 4.6       Certificate of Designations, Preferences and Rights of Series A Junior Participating Preferred Stock of Warwick Community Bancorp, Inc. (7) 10.1       Employment Agreement by and between Warwick Community Bancorp, Inc. and Fred G. Kowal (8) 10.2       Amendment No. 1 to the Employment Agreement by and between Warwick Community Bancorp, Inc. and Fred G. Kowal (10) 10.3       Employment Agreement by and between Warwick Community Bancorp, Inc. and Ronald J. Gentile (2) 10.4       First Amendment to Employment Agreement by and between Warwick Community Bancorp, Inc. and Ronald J. Gentile (4) 10.5       Employment Agreement by and between Warwick Community Bancorp, Inc. and Arthur W. Budich (2) 10.6       First Amendment to Employment Agreement by and between Warwick Community Bancorp, Inc. and Arthur W. Budich (4) 10.7       Recognition and Retention Plan of Warwick Community Bancorp, Inc. (3) 10.8       First Amendment to the Recognition and Retention Plan of Warwick Community Bancorp, Inc. (5) 10.9       Second Amendment to the Recognition and Retention Plan of Warwick Community Bancorp, Inc. (8) 24NEXT PAGE10.10       Trust Agreement between Warwick Community Bancorp, Inc. and Orange County Trust Company for the Recognition and Retention Plan of Warwick Community Bancorp, Inc. (2) 10.11       Stock Option Plan of Warwick Community Bancorp, Inc. (3) 10.12       First Amendment to the Stock Option Plan of Warwick Community Bancorp, Inc. (5) 10.13       Form of Amended Stock Option Agreement for Directors under the Stock Option Plan of Warwick Community Bancorp, Inc (9) 10.14       Form of Amended Stock Option Agreement for Employees under the Stock Option Plan of Warwick Community Bancorp, Inc.(9) 10.15       Benefit Restoration Plan of The Warwick Savings Bank (1) 10.16       Grantor Trust Agreement by and between The Warwick Savings Bank and HSBC Bank USA for the Benefit Restoration Plan of The Warwick Savings Bank (2) 10.17       Change in Control Severance Plan of Warwick Community Bancorp, Inc. and Affiliates (9) 10.18       Supplemental Executive Retirement Plan of Warwick Community Bancorp, Inc. (12) 31.1       Rule 13a-14(a) Certification of Chief Executive Officer 31.2       Rule 13a-14(a) Certification of Chief Financial Officer 32          Section 1350 Certifications.(1)Incorporated herein by reference to the Exhibits to the Company's Registration Statement on Form S-1, filed on September 19, 1997, Registration No. 333-36021. (2)Incorporated herein by reference to the Exhibits to the Company's Annual Report on Form 10-K for the fiscal year ended May 31, 1998. (3)Incorporated herein by reference to the Company's definitive Proxy Statement for the Special Meeting of Shareholders held on June 24, 1998. (4)Incorporated herein by reference to the Exhibits to the Company's Annual Report on Form 10-K for the transition period from June 1, 1998 to December 31, 1998. (5)Incorporated herein by reference to the Company's definitive Proxy Statement for the Annual Meeting of Shareholders held on April 20, 1999. (6)Incorporated herein by reference to the Exhibits to the Company's Registration Statement on Form 8-A, filed on October 18, 2000. (7)Incorporated herein by reference to the Exhibits to the Company's Annual Report on Form 10-K for the fiscal year ended December 31, 2000. 25NEXT PAGE(8)Incorporated herein by reference to the Exhibits to the Company's Quarterly Report on Form 10-Q for the quarter ended June 30, 2001. (9)Incorporated herein by reference to the Exhibits to the Company's Annual Report on Form 10-K for the fiscal year ended December 31, 2001. (10)Incorporated herein by reference to Exhibit 10.23 to the Company's Quarterly Report on Form 10-Q for the quarter ended September 30, 2002. (11)Incorporated herein by reference to the Exhibits to the Company's Annual Report on Form 10-K for the fiscal year ended December 31, 2002. (12)Incorporated herein by reference to the Exhibits to the Company's Annual Report on Form 10-K for the fiscal year ended December 31, 2003.26END |
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