Press Release

Approval of the Application by Hilltop Community Bancorp

June 9, 2004

NEW YORK—The Federal Reserve Bank of New York Wednesday approved the application by Hilltop Community Bancorp, Summit, New Jersey, to become a bank holding company through the acquisition of Hilltop Community Bank, Summit, 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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