EXHIBIT 99.1 LAKELAND BANCORP, INC. (the "Company")
                 STATEMENT REGARDING FORWARD-LOOKING INFORMATION

The Private Securities Litigation Reform Act of 1995 (the "Act") provides a
"safe harbor" for "forward-looking statements" (as defined in the Act). The
Annual Report on Form 10-K to which this Exhibit is attached, the Company's
Annual Report to Shareholders, any Quarterly Report on Form 10-Q prepared by the
Company, any Current Report on Form 8-K prepared by the Company and any other
written or oral statements made by or on behalf of the Company may include
forward-looking statements which reflect the Company's current view (as of the
date that such forward-looking statement is made) with respect to future events,
prospects, projections, financial performance or other matters. These
forward-looking statements are subject to certain uncertainties and other
factors that could cause actual results to differ materially from those made,
implied or projected in such statements. These uncertainties and other factors
include, but are not limited to, the following: uncertainties relating to
general economic conditions; uncertainties relating to the determination of the
Company's provision for loan losses and allowance for loan losses (as described
under the caption "Management's Discussion and Analysis of Financial Condition
and Results of Operations -- Provision for Possible Loan Losses" and
"Management's Discussion and Analysis of Financial Condition and Results of
Operations -- Loans -- Risk Elements" in the Company's Annual Report on Form
10-K for the year ended December 31, 2000); uncertainties relating to the
analysis of the Company's assessment of rate sensitive assets and rate sensitive
liabilities and relating to the extent to which market factors indicate that a
financial institution such as the Company should match such assets and
liabilities (as described under the caption "Management's Discussion and
Analysis of Financial Condition and Results of Operations -- Provision for
Possible Loan Losses" and "Interest Rate Risk" -- "Liquidity" in the Company's
Annual Report on Form 10-K for the year ended December 31, 2000); the impact of
competition among financial institutions and between financial institutions and
other sources of credit; the impact of off-balance sheet obligations (as
described in the Notes to the Company's consolidated Financial Statements
included within the Company's Annual Report on Form 10-K for the year ended
December 31, 2000); changes to the presentation of financial results and
condition resulting from adoption of new accounting principles or upon the
advice of the Company's independent auditors or the staff of various regulatory
agencies; unanticipated demands upon the Company's liquidity; and unanticipated
failure on malfunction of the Company's information systems; changes in, or
failure to comply with governmental regulations; the costs and other effects of
administrative and legal proceedings; the continued financial viability of the
Company's borrowers; the continued financial viability of the issuers of
securities within the Company's investment portfolio; labor and employment
benefit costs; and other factors referenced in the Company's Annual Report on
Form 10-K for the year ended December 31, 2000, or other filings or written or



oral statements made by or on behalf of the Company. The words "believe",
"expect", "anticipate", "project" and similar expressions identify
"forward-looking statements", which speak only as of the date that the statement
is made. The Company undertakes no obligation to publicly update or revise any
forward-looking statements, whether as a result of new information, future
events or otherwise.