EXHIBIT 99
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Press Release
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                            SUSSEX BANCORP ANNOUNCES
                              THIRD QUARTER RESULTS


     FRANKLIN,  NEW JERSEY - October  16,  2000 - Sussex  Bancorp  (AMEX  "SBB")
announced today that for the third quarter ended September 30, 2000, the Company
had earned net income of  $192,000,  an increase  over net income of $189,000 in
the third quarter of 1999.  The Company's  total  interest  income  increased to
$2,648,000  for the quarter ended  September 30, 2000 compared to $2,335,000 for
the same period last year,  primarily due to an increase of $448,000 to interest
and fees on loans. The Company's  interest  expense  increased to $1,257,000 for
the quarter ended  September 30, 2000 from  $1,096,000  for the same period last
year. The increase reflects an increase in the Company's savings deposits, which
primarily  is  attributable  to an increase in its Senior  Select  product.  Our
Senior Select product is a special account for individuals 60 and over and their
spouses,  which  offers  special  rates on deposit  accounts  and certain  other
membership  benefits.  Weighted average number of basic shares  outstanding were
1,494,467 for third quarter 2000 and 1,489,909 for third quarter 1999. Basic and
diluted  earnings  per share for the two periods  were $.13 for each  respective
quarter.  Weighted  average number of diluted shares  outstanding were 1,505,681
for third quarter 2000 and 1,504,823 for third quarter 1999.

     For the nine months ended September 30, 2000, the Company earned net income
of $576,000, an increase of $41,000 from the $535,000 earned for the same period
last year. The Company's total interest  income  increased to $7,649,000 for the
nine months ended  September  30, 2000,  primarily  due to the increase in total
loans,  as the Company's  portfolio of loans,  net increased to $97.1 million at
September 30, 2000 from $76.3 million at September 30, 1999.  Basic earnings per
share  for the nine  months  ended  were  $.39 for 2000 and $.36 for  1999.  The
weighted  average number of basic shares  outstanding  for the nine months ended
September 30, 2000 and 1999 were 1,494,180 and 1,494,606  respectively.  Diluted
earnings per share for the same period was $.38 and $.35, respectively. Weighted
average number of diluted shares outstanding for the nine months ended September
30, 2000 and 1999 were 1,504,756 and 1,511,696, respectively.

     The loan loss  provision  for the third  quarter was $63,000  compared with
$48,000 for the same period last year.

     The Company's  interest expense increased to $3,520,000 for the nine months
ended  September 30, 2000 from  $3,225,000  for the same period last year.  This
increase reflects the increase in the Company's total deposits to $142.1 million
at September  30, 2000 from $138.4  million at September  30, 1999. At September
30,  2000 the  Company  had total  assets of $156.4  million,  compared to total
assets of $148.2 million at September 30, 1999.

     Sussex  Bancorp is the holding  company for the Sussex  County  State Bank,
which  operates  through  its main  office in  Franklin,  New  Jersey and branch
offices in Andover,  Augusta, Newton, Montague,  Sparta, Vernon and Wantage, New
Jersey.



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