EXHIBIT 99

Press Release

Sussex Bancorp
399 Route 23
Franklin, NJ  07416                               Contact: Candace Leatham
                                                    Senior Vice President/
                                                                 Treasurer
                                                            (973) 827-2914


FOR IMMEDIATE RELEASE

                            SUSSEX BANCORP ANNOUNCES
                                HIGHER EARNINGS;
                           ASSETS EXCEED $200 MILLION


Franklin, NJ, February 25, 2002-Sussex Bancorp (AMEX "SBB") announced net income
of  $795,000  for the year ended  December  31,  2001,  compare to net income of
$767,000 for the prior year.  Basic and diluted  earnings per share for the year
ended December 31, 2001 were $.48 and $.51 for the year ended December 31, 2000.
Weighted  average number of basic shares  outstanding was 1,643,258 for 2001 and
1,494,671 for 2000.  Weighted average number of diluted shares was 1,662,488 for
2001 and 1,506,088 for 2000.

The Company's total interest income  increased to $11,589,000 for the year ended
December 31, 2001 from  $10,389,000 for the same period last year,  reflecting a
higher  volume of earning  assets.  For the year ended  December 31,  2001,  the
Company's  non-interest  income  increased by $789,000 or 94.0%, to $1.6 million
from $839,000.  The increase in non-interest income reflects the contribution of
Tri-State Insurance Agency, Inc., which the Company acquired on October 1, 2001.
Tri-State produced $407,000 in commission revenue in the fourth quarter of 2001.

The loan loss  provision  for the year ended  December  31,  2001  increased  to
$252,000 from $229,000 for the same period last year.

The  Company's  interest  expense  increased  to  $5,688,000  for the year ended
December 31, 2001 from  $4,837,000 for the same period last year.  This increase
reflects increases in the Company's total deposits to $178.6 million at December
31, 2001 from $140.9  million at December 31, 2000.  In addition,  the Company's
total non-interest  expense increased by $1.0 million,  reflecting an additional
$327,000 in  non-interest  expense from the  operation  of  Tri-State  and other
increases associated with the Company's continued growth.

At December 31, 2001 the Company had total assets of $203.3 million, compared to
total assets of $161.6 million at December 31, 2000.

The Company's total  stockholders'  equity at December 31, 2001 was $12,237,000.
The Company maintained regulatory capital ratios of 8.45 % for Tier 1 capital to
risk weighted assets, and 4.87% for its leverage ratio.

Sussex  Bancorp  also  announced  that its Board of  Directors  declared  a cash
dividend of $.06 per share,  payable on March 28, 2002 to shareholders of record
as of March 8, 2002.

Sussex Bancorp is the holding company of the Sussex 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.  The Bank  owns
Tri-State  Insurance  Agency,  Inc., a full service  insurance agency located in
Augusta, New Jersey.


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