This Form 8-K is being filed to comply with the SEC requirement that notice of a covered blackout period under the Clifton Savings Bank 401(k) Savings Plan be given to our directors and executive officers and also be furnished to the SEC under cover of Form 8-K. The notice being sent to those persons on December 3, 2008 is being filed as Exhibit 99.1 to this Form 8-K and is incorporated by reference into this Item. Clifton Savings Bancorp, Inc. received the notice required by Section 101(i)(2)(E) of the Employment Retirement Income Security Act of 1974 on October 31, 2008.

(d) Exhibits

              Number           Description
              ------           -----------

              99.1             Notice sent to directors and executive officers
                               of Clifton Savings Bancorp, Inc.