SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of
the Securities Exchange Act of 1934
Date of Report (Date of earliest event reported):
August 28, 2000
Ridgewood Financial, Inc.
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(Exact name of Registrant as specified in its Charter)
New Jersey 0-25149 22-3616280
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(State or other jurisdiction (SEC File No.) (IRS Employer Identification
of incorporation) Number)
55 North Broad Street, Ridgewood, New Jersey 07450
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(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code: (201) 445-4000
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Not Applicable
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(Former name or former address, if changed since last Report)
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INFORMATION TO BE INCLUDED IN REPORT
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Item 5. Other Events
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A copy of a press release issued August 29, 2000 by the Registrant is
attached hereto as Exhibit 99 and is incorporated by reference in its entirety.
Item 7. Financial Statements, Pro Forma Financial Information and Exhibits
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Exhibit 99 -- Press Release, dated August 29, 2000, concerning Merger Agreement
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dated as of August 28, 2000 with Provident Savings Bank.
Exhibit 99.1 -- Agreement and Plan of Merger between Provident Savings Bank,
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Ridgewood Savings Bank of New Jersey, Ridgewood Financial, Inc., and Ridgewood
Financial, MHC, dated as of August 28, 2000.
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SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934,
the Registrant has duly caused this Report to be signed on its behalf by the
undersigned, hereunto duly authorized.
Ridgewood Financial, Inc.
Date: August 29, 2000 By: /s/Susan E. Naruk
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Susan E. Naruk
President and Chief Executive Officer
