AMENDMENT
                                     TO THE
                            SUSSEX COUNTY STATE BANK
                          SALARY CONTINUATION AGREEMENT
                              DATED MARCH 15, 2000
                                       FOR
                                DONALD L. KOVACH

      THIS AMENDMENT is adopted this 7th day of January, 2004, by and between
SUSSEX BANK, (formerly Sussex County State Bank), a bank located in Franklin,
New Jersey (the "Company") and DONALD L. KOVACH (the "Executive").

      The Company and the Executive executed the Salary Continuation Agreement
on March 15, 2000 (the "Agreement").

      The Executive desires to remain working for the Company beyond his
originally anticipated retirement date and the Company also desires to have
Executive continue working beyond the originally anticipated retirement date.
Therefore, the Company and the Executive desire to amend the Agreement so as to
fix benefits under the Agreement based upon Executive's salary level at the
originally anticipated retirement date with a four percent (4%) annual
adjustment thereafter until Executive's full retirement.

      WHEREFORE, the Company and the Executive agree to amend the Agreement as
follows:

                             Amendments to Article 1

      Section 1.5 shall be deleted in its entirety and replaced by the Section
1.5 below:

      1.5   "Final Pay" means the average of the reported base pay (W-2
            compensation) paid to the Executive by the Company for the last five
            (5) full calendar years preceding the Executive's 70th birthday
            increased by four percent (4%) per year from Executive's 70th
            birthday until Termination of Employment.

      IN WITNESS OF THE ABOVE, the Executive and the Company hereby consent to
this First Amendment.

Executive:                              SUSSEX BANK


By: /s/ Donald L. Kovach               By: /s/ Terry Thompson
------------------------                   -------------------------------------
DONALD L. KOVACH
                                       Title President/COO
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