EXHIBIT 16


                                                         April 16, 2001

Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, DC 20549

Gentlemen:

We have had an  opportunity  to review the  disclosures  made by Sussex  Bancorp
("Sussex") in its amended current report on Form 8-K/A which is to be filed with
the Securities and Exchange Commission ("SEC").

Pursuant to Item 304(a)(3) of Regulation  S-B, we are required to furnish Sussex
with a letter  addressed  to the SEC  stating  whether  or not we agree with the
statements  made  by  Sussex  in the  8-K/A  regarding  our  replacement  as the
independent auditors of Sussex, and, if not, stating the respects in which we do
not agree.

We agree with the statements made by Sussex in Item 4 of the 8-K/A regarding our
replacement as the independent auditors of Sussex.



                                                        Very truly yours,

                                                        /s/ Radics & Co., LLC

                                                        Radics & Co., LLC