SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of
the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported) January 20, 2005

SUSSEX BANCORP
(Exact name of registrant as specified in its charter)

New Jersey
(State or other jurisdiction
of incorporation) 0-29030
(Commission
File Number) 22-3475473
(IRS Employer
Identification No.)

399 Route 23
Franklin, New Jersey
(Address of principal executive offices)  
07416
(Zip Code)

Registrant’s telephone number, including area code (973) 827-2914

Item 2.02. Results of Operations and Financial Condition.

        The information in this section, including the information contained in the press release included as Exhibit 99.1 hereto, is being furnished pursuant to this Item 2.02 and shall not deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section. In addition, this information shall not be deemed to be incorporated by reference into any of the Registrant’s filings with the Securities and Exchange Commission, except as shall be expressly set forth by specific reference in any such filing.

        On January 20, 2005, the Registrant issued a press release announcing its financial results for the year ended December 31, 2004. A copy of the January 20, 2005 press release is included as Exhibit 99.1 hereto.

Item 9.01. Financial Statements and Exhibits.

(c) Exhibits.

Exhibit Number

99.1 Description

Press Release dated January 20, 2005 regarding financial results for the year ended December 31, 2004.

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SIGNATURES

        Pursuant to the requirements of the Securities Exchange Act of 1934, Sussex Bancorp, has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

Dated: January 20, 2005

SUSSEX BANCORP
        (Registrant)

By: /s/ Candace A. Leatham
CANDACE A. LEATHAM
Executive Vice President and Treasurer

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EXHIBIT INDEX

CURRENT REPORT ON FORM 8-K

Exhibit No.

99.1
Description

Press release announcing the Registrant's results for year-end 2005. Page No.

5 - 8

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