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): November 16, 2007
                                                         -----------------


                         United Financial Bancorp, Inc.
                         -------------------------------
             (Exact name of registrant as specified in its charter)


           Maryland                  333-144245              Being applied for
----------------------------         ----------              ------------------
(State or other jurisdiction    (Commission File No.)        (I.R.S. Employer
      of incorporation)                                      Identification No.)


                                  95 Elm Street
                          West Springfield, Massachusetts                 01089
                          -------------------------------                 -----
                   (Address of principal executive office)            (Zip code)

Registrant's telephone number, including area code:  (413) 787-1700
                                                     --------------



                                 Not Applicable
                      ------------------------------------
          (Former name or former address, if changed since last report)

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



Item 8.01         Other Events.
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     On November 16, 2007,  United  Financial  Bancorp,  Inc., a recently formed
Maryland  corporation (the  "Company"),  the proposed holding company for United
Bank and  successor  company  for  United  Financial  Bancorp,  Inc.,  a Federal
corporation,  issued a press release  announcing the results of the subscription
offering and community  offering  portion of its second step  conversion,  which
concluded  on November  14,  2007.  The Company  also  announced  today that the
individual  purchase  limitation in all categories of the offering  combined has
been increased from 200,000 shares to 475,000 shares, and the aggregate purchase
limitation  has been  increased  from  400,000  shares  to  475,000  shares  for
individuals  acting together with others.  The Company also announced today that
it  expects  to sell in the  aggregate  no more  than  11,250,000  shares in the
subscription offering,  community offering and the syndicated offering,  subject
to market conditions, independent appraiser review and regulatory approval.

     A copy of the  press  release  dated  November  16,  2007,  which  provides
additional information, is attached as Exhibit 99.1 to this report.

Item 9.01.                 Financial Statements and Exhibits.

(a) Not Applicable.

(b) Not Applicable.

(c) Exhibits.

                  Exhibit No.              Description
                  -----------              -----------

                  99.1                     Press release dated November 16, 2007
















                                   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.

                                                  UNITED FINANCIAL BANCORP, INC.


DATE:  November 16, 2007              By:  /s/ Richard B. Collins
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                                           Richard B. Collins
                                           President and Chief Executive Officer