UNITED STATES
                       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

                                 April 26, 2005
                Date of Report (Date of earliest event reported)

                     PEAPACK-GLADSTONE FINANCIAL CORPORATION
             (Exact name of Registrant as Specified in its Charter)

                                   New Jersey
                 (State or Other Jurisdiction of Incorporation)

                   001-16197                  22-3537895
           (Commission File Number) (IRS Employer Identification No.)

               158 Route 206, Peapack-Gladstone, New Jersey 07934
                    (Address of principal executive offices)

                                 (908) 234-0700
              (Registrant's telephone number, including area code)


     Check the  appropriate  box below if the Form 8-K  filing  is  intended  to
simultaneously  satisfy the filing obligation of the registrant under any of the
following provisions:

[_]  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))





INFORMATION TO BE INCLUDED IN THE REPORT

Item 2.02   Results of Operations and Financial Condition.

On April 26, 2005,  Peapack-Gladstone  Financial Corporation (the "Corporation")
issued a press release  reporting  earnings and other financial  results for its
first  quarter of 2005,  which ended March 31, 2005. A copy of the press release
is  attached  to  this  Current  Report  on  Form  8-K as  Exhibit  99.1  and is
incorporated by reference in its entirety.

The information disclosed under this Item 2.02, including Exhibit 99.1, shall be
considered  "furnished" but not "filed" for purposes of the Securities  Exchange
Act of 1934, as amended.

Item 9.01   Financial Statements and Exhibits.

     (c) Exhibit.

                Exhibit No.  Title
                -----------  -----

                99.1         Press Release dated April 26, 2005.

The  press  release  disclosed  in this  Item  9.01 as  Exhibit  99.1  shall  be
considered  "furnished" but not "filed" for purposes of the Securities  Exchange
Act of 1934, as amended.


                                   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 thereunto duly authorized.

                                PEAPACK-GLADSTONE FINANCIAL CORPORATION

Dated: April 29, 2005           By: /s/ Arthur F. Birmingham
                                    ----------------------------
                                    Arthur F. Birmingham
                                    Executive Vice President and 
                                    Chief Financial Officer







                                  EXHIBIT INDEX

                  Exhibit No.        Title
                  -----------        -----

                  99.1               Press Release dated April 26, 2005.