Press Release

Approval of the Application by Lakeland Bancorp, Inc.

May 5, 2004

NEW YORK—The Federal Reserve Bank of New York Wednesday approved the application by Lakeland Bancorp, Inc., Oak Ridge, New Jersey, to merge with Newton Financial Corporation and thereby indirectly acquire its bank subsidiary, Newton Trust Company, both of Newton, New Jersey.

According to standard procedure, the proposal cannot be completed for 15 days.

The Reserve Bank acted under authority delegated by the Board of Governors of the Federal Reserve System.

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