Exhibit 99.1





FOR IMMEDIATE RELEASE

Contact:  Donald Mindiak
          (201) 823-0700


BCB Bancorp, Inc., Announces Record Earnings, Including a 20% increase in First
Quarter Earnings Per Share to $0.30 and a 16.7% increase in diluted earnings per
share to $0.28.

BAYONNE, N.J. - April 14, 2004 - BCB Bancorp, Inc., Bayonne, NJ (OTCBB: BCBP)
announced unaudited net earnings for the quarter ended March 31, 2004 of
$700,000 compared to $573,000 for the quarter ended March 31, 2003. Basic and
diluted earnings per share were $0.30 and $0.28 respectively for the three
months ended March 31, 2004 as compared to $0.25 and $0.24 per share for the
three months ended March 31, 2003. The weighted average number of common shares
outstanding for the three months ended March 31, 2004 for basic and diluted
earnings per share calculation purposes was 2,320,000 and 2,488,000
respectively. The weighted average number of common shares outstanding for the
three months ended March 31, 2003 for basic and diluted earnings per share
calculation purposes was 2,297,000 and 2,371,000 respectively. BCB Bancorp,
Inc., completed its acquisition of Bayonne Community Bank on May 1, 2003,
consequently the information provided in this release at and for the three
months ended March 31, 2003 is for Bayonne Community Bank on a stand alone
basis.

As of March 31, 2004 total assets increased by $37.2 million or 12.4% to $337.9
million from $300.7 million at December 31, 2003. Loans receivable increased by
$15.8 million or 8.4% to $204.6 million at March 31, 2004 from $188.8 million at
December 31, 2003. Investment securities held-to-maturity increased by $9.0
million or 10.0% to $99.3 million at March 31, 2004 from $90.3 million at
December 31, 2003. Deposits increased by $35.2 million or 13.9% to $288.9
million at March 31, 2004 from $253.7 million at December 31, 2003. This deposit
increase represents the largest quarterly dollar volume increase the Bank has
recorded since its inception. Total stockholders' equity increased to $22.9
million at March 31, 2004 from $21.2 million at December 31, 2003.

Net income increased by $127,000 or 22.2% to $700,000 for the three months ended
March 31, 2004 from $573,000 for the three months ended March 31, 2003. This
improvement in operations reflects increases in net interest income and
non-interest income and a decrease in the provision for loan losses, partially
offset by increases in non-interest expense and income taxes. Net interest
income increased by $1.0 million or 47.6% to $3.1 million for the three months
ended March 31, 2004 from $2.1 million for the three months ended March 31,
2003. This increase resulted primarily from the growth in average interest
earning assets of $118.7 million or 62.7% to $307.9 million at March 31, 2004
from $189.2 million at March 31, 2003, funded primarily through the growth in
average interest bearing liabilities of $117.5 million or 74.2% to $275.9
million for the three months ended March 31, 2004 from $158.4 million of the
three months ended March 31, 2003, partially offset by a decrease in the net
interest margin to 4.05% for the three months ended March 31, 2004 from 4.51%
for the three months ended March 31, 2003. For the three months ended March 31,
2004, return on average assets, annualized was 0.88%, return on average
stockholders equity annualized was 12.93%, the Bank's efficiency ratio was
58.06% and the Bank originated $30.9 million of loans.





Donald Mindiak President & CEO commented that, "the addition of two offices,
broadening our geographic distribution to serve a wider cross-section of our
primary service area, coupled with personal service and competitively priced
products have enabled us to continue our growth in both the balance sheet and
operating statement. I'm proud of our ability to increase cash earnings by over
20% and basic and diluted earnings per share by 20.0% and 16.7% respectively
from the comparative first quarter of 2003. Strategic additions to our loan and
support staff should enable us to continue to grow the Bayonne Community Bank
franchise. In this regard we intend to participate in a pooled trust preferred
offering managed by Janney Montgomery Scott. The capital raised through the
pooled trust offering will support our continued growth. This offering will not
dilute the ownership of the existing shareholders and demonstrates the
confidence we have in our commitment to build franchise and shareholder value."

Bayonne Community Bank presently operates three offices located in Bayonne, New
Jersey.

This discussion, and other written material, and statements management may make,
may contain certain forward-looking statements regarding the Company's
prospective performance and strategies within the meaning of Section 27A of the
Securities Act of 1933, as amended, and Section 21E of the Securities Exchange
Act of 1934, as amended. The Company intends such forward-looking statements to
be covered by the safe harbor provisions for forward-looking statements
contained in the Private Securities Litigation Reform Act of 1995, and is
including this statement for purposes of said safe harbor provisions.

Forward-looking information is inherently subject to risks and uncertainties,
and actual results could differ materially from those currently anticipated due
to a number of factors, which include, but are not limited to, factors discussed
in the Bank's Annual Report on Form 10-K and in other documents filed by the
Bank with the FDIC or the Securities and Exchange Commission from time to time.
Forward-looking statements, which are based on certain assumptions and describe
future plans, strategies and expectations of the Company, are generally
identified by the use of the words "plan," "believe," "expect," "intend,"
"anticipate," "estimate," "project," "may," "will," "should," "could,"
"predicts," "forecasts," "potential," or "continue" or similar terms or the
negative of these terms. The Company's ability to predict results or the actual
effects of its plans or strategies is inherently uncertain. Accordingly, actual
results may differ materially from anticipated results.

Factors that could have a material adverse effect on the operations of the
Company and its subsidiaries include, but are not limited to, changes in market
interest rates, general economic conditions, legislation, and regulation;
changes in monetary and fiscal policies of the United States Government,
including policies of the United States Treasury and Federal Reserve Board;
changes in the quality or composition of the loan or investment portfolios;
changes in deposit flows, competition, and demand for financial services, loan,
deposit, and investment products in the Company's local markets; changes in
accounting principles and guidelines; war or terrorist activities; and other



economic, competitive, governmental, regulatory, geopolitical and technological
factors affecting the Company's operations, pricing and services.

Readers are cautioned not to place undue reliance on these forward-looking
statements, which speak only as of the date of this discussion. Although the
Company believes that the expectations reflected in the forward-looking
statements are reasonable, the Company cannot guarantee future results, levels
of activity, performance or achievements. Except as required by applicable law
or regulation, the Company undertakes no obligation to update these
forward-looking statements to reflect events or circumstances that occur after
the date on which such statements were made.