EXHIBIT 99
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Sussex Bancorp
399 Route 23
Franklin, NJ  07416                    Contact: Donald Kovach, CEO 973-827-2914

            SUSSEX BANCORP HOLDS ANNUAL MEETING; DIRECTORS REELECTED

Franklin,  NJ: Sussex  Bancorp (AMEX:  "SBB")  announced the results of its 2003
Annual Meeting of Shareholders.  Directors Mark J. Hontz, Donald Kovach, Joel D.
Marvil and Edward J.  Leppert  were  overwhelmingly  elected to new terms on the
Board of Directors.

Mr. Kovach,  the Company's  Chairman and CEO,  stated:  "We are gratified by the
continued  support  and trust we receive  from our  shareholders,  and pledge to
continue to work to enhance shareholder value."

In response to questions  from  shareholders  attending the meeting,  Mr. Kovach
discussed  the  Company's  new loan  pipeline.  He  explained  that the  Company
currently  had a healthy  backlog of loans in process,  consisting  of "over $25
million in loan originations or renewals in process, including $ 16.8 million in
new fundings.  We continue to work on increasing our loan to deposit  ratio." In
response to another  question,  Mr. Kovach  discussed  the Company's  efficiency
ratio, which was .79 % at March 31, 2003.

In closing,  Mr. Kovach discussed the substantial  progress the Company had made
in 2002, and pledged to continue to work to improve the Company's performance in
2003 and beyond.

Sussex  Bancorp is the holding  company for Sussex Bank, a commercial  bank with
offices in Franklin,  Andover,  Augusta,  Newton,  Montague,  Sparta, Vernon and
Wantage,  New  Jersey,  and  Tri-State  Insurance  Agency,  Inc, a full  service
insurance  agency.  For the quarter ended March 31, 2003,  the Company  reported
record earnings of $313,000, or $.18 per share.


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