EXHIBIT 99

                                  Press Release

                     SUSSEX BANCORP ANNOUNCES CASH DIVIDEND,
                             TWO FOR ONE STOCK SPLIT

         FRANKLIN,  NEW JERSEY - Sussex Bancorp (AMEX:SBB)  announced today that
its Board of  Directors  had  declared a  quarterly  cash  dividend of $0.13 per
share,  payable on August 3, 1998 to  shareholders of record as of July 3, 1998.
This dividend marks the 31st consecutive quarter in which the Company has paid a
cash dividend to its shareholders.

         In addition,  the Company  announced  that its Board of  Directors  had
declared a two for one stock split, payable after the cash dividend, pursuant to
which each existing  share of Sussex  Bancorp will be divided into two shares of
the  Company.  The shares  will be issued on August 3, 1998 to  shareholders  of
record as of July 3, 1998.

         Mr. Donald Kovach, President and Chief Executive Officer of the Company
stated "This cash  dividend  and stock split  evidences  the Board's  continuing
efforts to provide value to our shareholders. The stock split, combined with the
Company's  listing  earlier this year on the  American  Stock  Exchange,  should
enhance the liquidity of the Company's stock,  providing a better market for our
shareholders."

         Sussex Bancorp is the holding company for the Sussex County State Bank,
a New Jersey chartered  commercial bank operating  through seven (7) branches in
Sussex County, New Jersey. As of March 31, 1998, the Company had total assets of
$122.2  million,  total  deposits of $112.8 million and total net loans of $67.9
million.



                                   Page 5 of 5