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Press Release

Approval of the Application by Lakeland Bancorp

Wednesday, August 6, 2003

NEW YORK--The Federal Reserve Bank of New York Wednesday approved the application by Lakeland Bancorp, Oak Ridge, New Jersey to merge with CSB Financial Corporation, and to acquire its bank subsidiary, Community State Bank, both of Teaneck, 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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