AGREEMENT FOR LEGAL SERVICES

Exhibit 10(a).  Agreement for Legal Services

                          AGREEMENT FOR LEGAL SERVICES
                          ----------------------------

                 THIS AGREEMENT for legal services made this 28nd day of April,
                                                             --
2005 by and between:
                              ANDORA & ROMANO, LLC
                           A Professional Corporation
                                  15 Essex Road
                            Paramus, New Jersey 07652
                     hereinafter referred to as "Attorneys"

                                       and

                   INTERCHANGE FINANCIAL SERVICES CORPORATION
                             Park 80 West, Plaza Two
                         Saddle Brook, New Jersey 07663

                                       and

                                INTERCHANGE BANK
                              A Banking Corporation
                             Park 80 West, Plaza Two
                         Saddle Brook, New Jersey 07663
                      hereinafter referred to as "Clients".

         IN CONSIDERATION of the mutual promises, covenants and undertakings
contained herein the Attorneys and the Clients agree as follows:

1.   RETAINER:

     Clients  hereby  retain the services of  Attorneys to act as its  corporate
counsel for the term and compensation as outlined herein.

2.   TERM:

     The  Attorneys   shall  be  retained  by  Clients  until  the  next  Annual
Reorganization Meeting of Clients.

3.   COMPENSATION:

     The Clients  shall pay the  Attorneys  for  services  rendered as corporate
counsel an annual retainer of NINETY-FIVE  THOUSAND DOLLARS ($95,000.00) payable
in  equal  monthly 

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installments  on the first day of each and every month  commencing the first day
of the month  following  the  execution of this  Agreement.  Clients  shall,  in
addition  to  the  annual  retainer,  pay  to the  Attorneys  all  out-of-pocket
expenses,  filing  fees,  or  disbursements  made by the  Attorneys  on Clients'
behalf. Clients shall, in addition to the payment of the annual retainer and all
costs,  pay to the  Attorneys a legal fee based on the rate per hour as shown on
Schedule A for all legal services  provided to Clients by the Attorney which are
"legal  services in addition to those rendered