EXHIBIT 23.3









                    CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS

As independent  public  accountants,  we hereby consent to the  incorporation by
reference  into this  Registration  Statement  on Form S-3 of our  report  dated
January 19, 1999,  with respect to High Point  Financial  Corp.'s 1998 financial
statements  which were previously  included in Lakeland  Bancorp Inc.'s Form 8-K
dated October 12, 1999 and to all  references  to our Firm in this  Registration
Statement.


                                                       Arthur Andersen LLP


Roseland, New Jersey
October 20, 1999