[LOGO]  SUN
        Bancorp, Inc.


News Release
For Immediate Release

Contact:          Dan Chila, EVP, Chief Financial Officer (856) 691-7700
                  Christine Irving (856) 690-4372

             Sun Bancorp, Inc. Completes Merger with Advantage Bank

Our mission is uncompromising...
                 ...to be the Premier Community Bank in every community we serve

VINELAND,  NJ,  January  19,  2006 - Sun  Bancorp,  Inc.  (Nasdaq:  SNBC)  today
announced it completed the merger with Advantage Bank (OTCBB: ADBK). Advantage's
five branches in Hunterdon and Somerset  counties will open as Sun National Bank
branches on January 20, 2006.

         With  this  merger,  Sun now has 80  branch  locations  in New  Jersey,
Philadelphia,  PA, and New Castle County, DE, and has increased its total assets
to $3.3  billion.  Additionally,  John A. Fallone,  Advantage's  chairman of the
board, joins Sun as a board member. Peter G. Schoberl, Advantage's president and
CEO, also joins Sun as the market  executive in Hunterdon and Somerset  counties
and becomes a member of Sun's executive  management team,  reporting directly to
Thomas A. Bracken,  president and CEO of Sun Bancorp,  Inc. and its wholly owned
subsidiary Sun National Bank.

         "We are pleased  with how smoothly  our team  completed  the merger and
welcome  Advantage  customers to the Sun family,"  said  Bracken.  "We hope that
customers will quickly  recognize the benefits of having Sun in their  community
by taking  advantage of our expanded  product lines,  utilizing the bank and our
experienced  staff as resources for their  personal and business  banking needs,
and reaching out to us to help support the local community."

                                    --more--

          Sun Bancorp, Inc. o 226 Landis Avenue o Vineland, NJ o 08360
                  (856) 691-7700 o www.sunnb.com o Member FDIC



Sun-Advantage - page two

         The merger agreement  permitted Advantage Bank shareholders to elect to
receive  either  $19.00 in cash or .87 shares of Sun common stock in the merger,
subject to  adjustment  or proration  under  certain  circumstances.  The merger
agreement  also  provided  for an  overall  requirement  that 50  percent of the
outstanding Advantage shares be exchanged for Sun common stock. Approximately 57
percent of the outstanding  Advantage Bank shares elected to receive cash in the
merger. Accordingly,  Advantage Bank shareholders electing cash will receive, in
the aggregate,  $17.3 million in cash, plus approximately  106,000 shares of Sun
common stock for those shares not converted into cash. As a result,  Sun expects
to issue a total of 791,000  shares of its common  stock in the merger,  thereby
increasing the total amount of issued and outstanding shares of Sun common stock
to 18,960,000.

         Sun Bancorp,  Inc. is a multi-state bank holding company  headquartered
in Vineland,  New Jersey.  Its primary  subsidiary is Sun National Bank, serving
customers through 80 branch locations in Southern and Central NJ,  Philadelphia,
PA,  and New Castle  County,  DE.  The bank is an Equal  Housing  Lender and its
deposits are insured up to the legal  maximum by the Federal  Deposit  Insurance
Corporation  (FDIC).  For  more  information  about  Sun  National  Bank and Sun
Bancorp, Inc., visit www.sunnb.com.

         This release may contain  forward-looking  statements.  We caution that
such statements may be subject to a number of  uncertainties  and actual results
could differ materially and, therefore,  readers should not place undue reliance
on any forward-looking  statements.  Sun Bancorp,  Inc. does not undertake,  and
specifically  disclaims,  any obligation to publicly  release the results of any
revisions  that may be made to any  forward-looking  statements  to reflect  the
occurrence of anticipated or  unanticipated  events or  circumstances  after the
date of such statements.

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