Filed by Sun Bancorp, Inc.
                                      Pursuant to Rule 425 of the Securities Act
                                                             File No. 333-128793




                                 ADVANTAGE BANK

                        IMPORTANT MESSAGE TO SHAREHOLDERS




                                                               November 16, 2005

Dear Shareholder:

Proxy  Material for the Special  Meeting of  Shareholders  of Advantage Bank was
sent to you recently.  Accordingly to our records,  your proxy for this meeting,
which will be held on Wednesday, November 30, 2005, has not been received.

For the reasons set forth in the proxy  statement  dated October 31, 2005,  your
Board of Directors unanimously recommends that Advantage shareholders vote `FOR'
the approval of the merger agreement.

Regardless  of the  number  of shares  you own,  it is  important  that they are
represented and voted at the special meeting.

ACCORDINGLY,  PLEASE  TAKE A MOMENT  NOW TO VOTE YOUR PROXY AND RETURN IT IN THE
POSTAGE PAID ENVELOPE ENCLOSED.  THE AFFRIMATIVE VOTE OF THE HOLDERS OF AT LEAST
TWO-THIRDS  OF THE  OUTSTANDING  SHARES OF COMMON STOCK  ENTITLED TO VOTE AT THE
SPECIAL MEETING IS REQUIRED TO APPROVE THE MERGER AGREEMENT.

Thank you for your response.

                                              Sincerely,

                                              /s/John A. Fallone

                                              John A. Fallone
                                              Chairman of the Board of Directors




Sun Bancorp has filed a  Registration  Statement on Form S-4 with the Securities
and Exchange  Commission (SEC),  which contains the proxy materials of Advantage
Bank and certain  other  information  regarding  Sun. You are urged to carefully
read the proxy materials  because they contain  important  information.  You can
obtain a copy of the  proxy  materials  free of  charge at the SEC's Web site at
www.sec.gov.  The materials may also be obtained for free by directing a written
request to Sun Bancorp, Inc., 226 Landis Avenue, Vineland, NJ, 08360, Attention:
Secretary,  and to Advantage  Bank, 3421 Route 22 East,  Branchburg,  NJ, 08876,
Attention: Secretary.

You should  read the proxy  materials  before  making a decision  regarding  the
merger.

Advantage,  and its  directors  and  executive  officers,  may be  deemed  to be
"participants"  in Advantage's  solicitation  of proxies in connection  with the
proposed merger. Information regarding participants, including their holdings of
Advantage stock, is contained in the proxy materials.



                                                      Filed by Sun Bancorp, Inc.
                                      Pursuant to Rule 425 of the Securities Act
                                                             File No. 333-128793


                                 ADVANTAGE BANK

                       IMPORTANT MESSAGE TO SHAREHOLDERS


                                                               November 16, 2005

Dear Shareholder:

Proxy  Material for the Special  Meeting of  Shareholders  of Advantage Bank was
sent to you recently.  Accordingly to our records,  your proxy for this meeting,
which will be held on Wednesday, November 30, 2005, has not been received.

For the reasons set forth in the proxy  statement  dated October 31, 2005,  your
Board of Directors unanimously recommends that Advantage shareholders vote `FOR'
the approval of the merger agreement.

Regardless  of the  number  of shares  you own,  it is  important  that they are
represented and voted at the special  meeting.  Since the merger proposal is non
discretionary,  your broker  cannot  vote your  shares for you on this  proposal
without your instructions.  ACCORDINGLY, PLEASE TAKE A MOMENT NOW TO VOTE BY ANY
OF THE THREE METHODS IDENTIFIED BELOW.

         We encourage you to vote by any one of the three methods listed below:

1.       Vote by telephone: Call the toll-free number listed for this purpose on
         your Voting Instruction Form. The number is  1-800-690-6903.  Have your
         12-digit  control number listed on the form ready and follow the simple
         instructions.

2.       Vote by Internet:  Go to the website  www.proxyvote.com  listed on your
         Voting  Instruction  Form. Have your 12-digit  control number listed on
         the form ready and follow the simple instructions.

3.       Vote by Mail:  Please  take a moment to vote,  sign,  date and mail the
         enclosed  proxy  in  the  postage-paid   envelope   included  for  your
         convenience.

YOUR  VOTE IS  IMPORTANT.  THE  AFFIRMATIVE  VOTE  OF THE  HOLDERS  OF AT  LEAST
TWO-THIRDS  OF THE  OUTSTANDING  SHARES OF COMMON STOCK  ENTITLED TO VOTE AT THE
SPECIAL MEETING IS REQUIRED TO APPROVE THE MERGER AGREEMENT.

Thank you for your response.

                                              Sincerely,

                                              /s/John A. Fallone

                                              John A. Fallone
                                              Chairman of the Board of Directors




Sun Bancorp has filed a  Registration  Statement on Form S-4 with the Securities
and Exchange  Commission (SEC),  which contains the proxy materials of Advantage
Bank and certain  other  information  regarding  Sun. You are urged to carefully
read the proxy materials  because they contain  important  information.  You can
obtain a copy of the  proxy  materials  free of  charge at the SEC's Web site at
www.sec.gov.  The materials may also be obtained for free by directing a written
request to Sun Bancorp, Inc., 226 Landis Avenue, Vineland, NJ, 08360, Attention:
Secretary,  and to Advantage  Bank, 3421 Route 22 East,  Branchburg,  NJ, 08876,
Attention: Secretary.

You should  read the proxy  materials  before  making a decision  regarding  the
merger.

Advantage,  and its  directors  and  executive  officers,  may be  deemed  to be
"participants"  in Advantage's  solicitation  of proxies in connection  with the
proposed merger. Information regarding participants, including their holdings of
Advantage stock, is contained in the proxy materials.