INDEPENDENT AUDITORS' CONSENT


We consent to the  incorporation  by reference  in  Registration  Statement  No.
333-32681  and  333-89839 of Sun  Bancorp,  Inc. on Form S-8 of our report dated
March 11, 2004 (which  expressed an unqualified  opinion on those statements and
an  explanatory  paragraph  concerning  the  adoption  of  Financial  Accounting
Standards  Board  Interpretation  No. 46 (R) and the  change in  accounting  for
stock-based  compensation  adopting  the fair value  recognition  provisions  of
Statements of Financial  Accounting  Standards  Nos. 123 and 148 in 2003 and the
change  in  accounting  for  goodwill  to  conform  to  Statement  of  Financial
Accounting  Standard No. 147 in 2002),  incorporated by reference in this Annual
Report on Form 10-K of Sun Bancorp, Inc. for the year ended December 31, 2003.

/s/DELOITTE & TOUCHE LLP

Philadelphia, Pennsylvania
March 11, 2004