SecProbe.io

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April 26, 2005

Mail Stop 4-8

By U.S. Mail and facsimile to (201) 791-4907.

Charles T. Field
Chief Financial Officer
Interchange Financial Services Corporation
Park 80 West/Plaza Two
Saddlebrook, NJ 07663

Re:	Interchange Financial Services Corporation
	Form 10-K for the year ended December 31, 2004
	File No. 001-09700

Dear Mr. Field:

      We have reviewed your filing and have the following
comments.
We have limited our review to only the issues raised in our
comments.
Where indicated, we think you should revise your document in
response
to these comments in future filings.  If you disagree, we will
consider your explanation as to why our comment is inapplicable or
a
revision is unnecessary.  Please be as detailed as necessary in
your
explanation.  In some of our comments, we may ask you to provide
us
with supplemental information so we may better understand your
disclosure.  After reviewing this information, we may or may not
raise additional comments.

	Please understand that the purpose of our review process is
to
assist you in your compliance with the applicable disclosure
requirements and to enhance the overall disclosure in your filing.
We look forward to working with you in these respects.  We welcome
any questions you may have about our comments or any other aspect
of
our review.  Feel free to call us at the telephone numbers listed
at
the end of this letter.

Consolidated Financial Statements

Note 2.  Acquisitions - page 38
1. Please revise your filing to disclose how you determined that
the
value assigned to the shares issued in connection with the
acquisition of Bridge View complies with the guidance in EITF 99-
12.
In addition, supplementally tell us the following related to the
transaction:
* The share price used to value the common stock issued in
connection
with the acquisition.
* The share price on the date the terms of the acquisition were
agreed to and announced

Note 4.  Securities Held-to-Maturity and Securities Available-for-
Sale - page 39
2. Please revise your filing to disclose the following related to
investments classified as U.S. Agency Securities:

* Describe the nature of the securities classified as U.S. Agency
Securities.   If you have included the securities of government
sponsored entities in this classification, revise to separately
disclose the amounts of such securities.
* Discuss the specific factors considered in your determination
that
the unrealized loss on these securities was not other-than-
temporary.

Note 13.  Stock Option and Incentive Plan - page 45
3. Please include the disclosures required by paragraph 2(e) of
SFAS
148 in Note 1.   Nature of Business and Summary of Significant
Accounting Policies.

* * * * *

      Please respond to these comments and include your proposed
disclosures within 10 business days or tell us when you will
provide
us with a response.  Please furnish a cover letter that keys your
responses to our comments, indicates your intent to include the
requested revisions in future filings and provides any requested
supplemental information.  Please understand that we may have
additional comments after reviewing your responses to our
comments.

	We urge all persons who are responsible for the accuracy and
adequacy of the disclosure in the filing reviewed by the staff to
be
certain that they have provided all information investors require
for
an informed decision.  Since the company and its management are in
possession of all facts relating to a company`s disclosure, they
are
responsible for the accuracy and adequacy of the disclosures they
have made.

	In connection with responding to our comments, please
provide,
in writing, a statement from the company acknowledging that:

* the company is responsible for the adequacy and accuracy of the
disclosure in the filing;

* staff comments or changes to disclosure in response to staff
comments do not foreclose the Commission from taking any action
with
respect to the filing; and

* the company may not assert staff comments as a defense in any
proceeding initiated by the Commission or any person under the
federal securities laws of the United States.

      In addition, please be advised that the Division of
Enforcement
has access to all information you provide to the staff of the
Division of Corporation Finance in our review of your filing or in
response to our comments on your filing.

      You may contact Rebekah Moore, Staff Accountant, at (202)
824-
5482 or me at (202) 942-1782 if you have questions.

Sincerely,

Paul Cline
Senior Accountant

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Mr. Charles T. Field
Interchange Financial Services
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