EXHIBIT 4.4








                  AUTHORIZATION TO PARTICIPATE IN THE AUTOMATIC
                  DIVIDEND REINVESTMENT AND STOCK PURCHASE PLAN
                   FOR STOCKHOLDERS OF LAKELAND BANCORP, INC.


To: First City Transfer Company
Plan Administrator


          This will confirm that I have received the  Prospectus  describing the
Lakeland Bancorp,  Inc. Automatic Dividend  Reinvestment and Stock Purchase Plan
(the "Plan").

          I wish to participate in the Plan and I hereby appoint you as my agent
and authorize Lakeland Bancorp,  Inc.  ("Lakeland") to pay to you for my account
all dividends  payable to me on all shares of  Lakeland's  Common Stock that are
now or hereafter registered in my name.

          I authorize  you to apply all such  dividends  received by you and all
optional  cash  payments  which I transmit  to you to the  purchase  of full and
fractional shares of Lakeland Common Stock pursuant to the Plan.

          I understand that your appointment as my agent is subject to the terms
and  conditions of the Plan set forth in the  Prospectus  describing the Plan. I
further understand that dividends will be invested on all shares held in my Plan
account, subject to the termination provisions described in the Plan.

                               THIS IS NOT A PROXY
                 (Please sign on the reverse side of this card)






          If you desire to participate in the Lakeland Bancorp,  Inc.  Automatic
Dividend  Reinvestment and Stock Purchase Plan, please sign and return this card
to:


                                          First City Transfer Company
                                          Dividend Reinvestment Plan
                                          P.O. Box 170
                                          Iselin, New Jersey 08830


                                          Dated: ___________, _____


                                          Please  mark,  sign,  date and  return
                                          using  the  enclosed envelope

                                          Account Number: ______________________


                                          ______________________________________
                                          Please print name/names


                                          ______________________________________
                                          Signature


                                          ______________________________________
                                          Signature if held jointly


                                          ______________________________________
                                          Social Security or Tax Identification
                                          Number


                 Please sign exactly as your name appears hereon
                               THIS IS NOT A PROXY