EXHIBIT 99
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Press Release
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                            SUSSEX BANCORP ANNOUNCES
                                 HIGHER EARNINGS

Franklin,  NJ, January 19, 2001-Sussex Bancorp (AMEX "SBB") announced net income
of $767,000 for the year ended December 31, 2000.  The Company's  total interest
income  increased to $10,389,000  for the year ended December 31, 2000 due to an
increase in the total loan portfolio,  as the Company's  portfolio of loans, net
increased  to $100.2  million at December  31, 2000 from $84 million at December
31, 1999. Basic earnings per share for each of the years ended December 31, 2000
and 1999 was $.51. Diluted earnings per share was $.51 in 2000 and $.50 in 1999.
Weighted  average number of basic shares  outstanding was 1,494,671 for 2000 and
1,493,237 for 1999.  Weighted average number of diluted shares was 1,506,088 for
2000 and 1,509,762 for 1999.

The loan loss  provision  for the year ended  December  31,  2000  increased  to
$229,000 from $177,000 for the same period last year.

The  Company's  interest  expense  increased  to  $4,837,000  for the year ended
December 31, 2000 from  $4,322,000 for the same period last year.  This increase
reflects increases in the Company's total deposits to $140.9 million at December
31, 2000 from  $138.5  million at December  31, 1999 and  borrowed  money to $10
million at December 31, 2000 from $2 million at December  31, 1999.  At December
31,  2000 the  Company  had total  assets of $161.6  million,  compared to total
assets of $150.1 million at December 31, 1999.

The Company's total  stockholders'  equity at December 31, 2000 was $10,110,000.
The Company maintained  regulatory capital ratios of 9.67% for Tier 1 capital to
risk weighted  assets,  and 6.21% for its leverage  ratio.  However,  on January
17th, the Company's  previously  announced sale of 9.9% of its outstanding stock
to  Lakeland  Bancorp,  Inc was  completed.  The  Company  received  proceeds of
approximately  $1,144,087.  net of expenses. If this additional capital had been
available at December 31, 2000,  the  Company's  Tier 1 capital ratio would have
been 10.75% and its leverage ratio would have been 6.90%.

Sussex  Bancorp is the holding  company of 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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