TRANSFER AGENT AND REGISTRAR  INDEPENDENT AUDITORS  GENERAL COUNSEL  SPECIAL COUNSEL  Inquiries regarding stockholder administration and services should be directed to:  Mellon Investor Services Overpeck Centre  85 Challenger Road, Ridgefield Park, NJ 07660  Deloitte & Touche LLP Two World Financial Center  New York, NY 10281  Conway Farrell Curtin & Kelly, P.C.  63 Wall Street  New York, NY 10005-3001  Thacher Proffitt & Wood  11 West 42nd Street  New York, NY 10036  Inquiries regarding Dime Community Bancshares, Inc. should be directed to:  Kenneth A. Ceonzo  Dime Community Bancshares, Inc.  209 Havemeyer Street Brooklyn, NY 11211  718.782.6200 ext. 8279 INVESTOR RELATIONS  ANNUAL MEETING OF SHAREHOLDERS  ANNUAL REPORT ON FORM 10-K  The Company’s Annual Meeting of Shareholders will be held at 10 a.m. on May 15, 2003, at Giando on the Water, 400 Kent Avenue, Brooklyn, New York. Holders of common stock as of March 28, 2003 will be eligible to vote.  A copy of the Transition Report on Form 10-K for the period July 1, 2002 to December 31, 2002 (without exhibits), which was filed with the Securities and Exchange Commission, is available upon request to:  Investor Relations  209 Havemeyer Street Brooklyn, NY 11211  BRANCH NETWORK QUEENS BRONX BROOKLYN NASSAU COUNTY 61-38 Springfield Blvd., Bayside, NY 11364 59-23 Main St., Flushing, NY 11355 253-15 Union Tpk., Glen Oaks, NY 11004 176-47 Union Tpk., Flushing, NY 11366 75-23 37th Ave., Jackson Heights, NY 11372 45-14 46th St., Long Island City, NY 11104 42-25 Queens Blvd., Sunnyside, NY 11104 24-44 Francis Lewis Blvd., Whitestone, NY 11357 1931 Turnbull Ave., Bronx, NY 10473 7524 Third Ave., Brooklyn, NY 11209 1545 86th St., Brooklyn, NY 11228 814 Manhattan Ave., Brooklyn, NY 11222 1902 Kings Hwy., Brooklyn, NY 11229 2172 Coyle St., Brooklyn, NY 11229 1600 Avenue M, Brooklyn, NY 11230 209 Havemeyer St., Brooklyn, NY 11211 2412 Jerusalem Ave., Bellmore, NY 11710 1775 Merrick Ave., Merrick, NY 11566 1000 Pt. Washington Blvd., Pt.Washington, NY 11050 622 Old Country Rd., Westbury, NY 11590