EXHIBIT 99


Press Release
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                            SUSSEX BANCORP ANNOUNCES
                             SECOND QUARTER RESULTS
                                AND CASH DIVIDEND


            FRANKLIN,  NEW JERSEY - July 19, 2001- Sussex  Bancorp  (AMEX:"SBB")
     announced  today  that for the second  quarter  ended  June 30,  2001,  the
     Company  earned  net income of  $240,000,  an  increase  over net income of
     $184,000  for the second  quarter of 2000.  The  Company's  total  interest
     income  increased  to  $2,964,000  for the  quarter  ended  June 30,  2001,
     primarily due to an increase in earning assets, as the Company's  portfolio
     of loans  increased to $99.5 million at June 30, 2001 from $94.7 million at
     June 30, 2000.  The loan loss  provision for the second  quarter of each of
     2001 and 2000 was  $63,000.  Basic  earnings  per share for the two periods
     were $.15 and $.13  respectively.  Diluted  earnings  per share for the two
     periods  were  $.14 and  $.12.  Weighted  average  number  of basic  shares
     outstanding was 1,645,443 for 2001 and 1,494,298 for 2000. Weighted average
     number of diluted shares was 1,633,374 for 2001 and 1,504,241 for 2000.

            The  Company's  interest  expense  increased to  $1,481,000  for the
     quarter ended June 30, 2001 from $1,140,000 for the second quarter of 2000.
     This  increase  reflects the increase in the  Company's  total  deposits to
     $162.5  million at June 30, 2001 from  $140.9million  at June 30, 2000.  At
     June 30, 2001 the Company had total assets of $185.3  million,  compared to
     total assets of $161.6 million at June 30, 2000.

            For the six  months  ended June 30,  2001,  the  Company  earned net
     income of $450,000, an increase of $66,000 from the $384,000 earned for the
     same period last year.  The Company's  total interest  income  increased to
     $5,909,000 for the six months ended June 30, 2001. Basic earnings per share
     for the six  months  ended  were $.28 for 2001 and $.27 for  2000.  Diluted
     earnings  per share for the six  months  ended were $.27 and $.26 for 2000.
     Weighted  average  basic  shares were  1,631,521  and  1,494,037.  Weighted
     average diluted shares were 1,649,512 and 1,504,286.

            Sussex Bancorp also announced that its Board of Directors declared a
     cash  dividend  of  $0.07  per  share,   payable  on  August  27,  2001  to
     shareholders of record as of August 6, 2001.

            Chairman and Chief Executive  Officer Donald L. Kovach stated,  "Our
     quarterly  results show the continued  hard work by our staff in increasing
     our base of earning  assets  through new loan  originations.  Our continued
     performance  has permitted  the Board to declare a quarterly  cash dividend
     for the  forty-second  straight  quarter.  We continue to be  committed  to
     enhancing the value of our shareholders' "investment."

            Sussex  Bancorp is the holding  company for the Sussex  County State
     Bank,  which operates  through its main office in Franklin,  New Jersey and
     branch offices in Andover,  Augusta, Newton,  Montague,  Sparta, Vernon and
     Wantage, New Jersey.