Advantage Bank Earns 5-Star Superior Rating from Bauer Financial Reports.

Business Editors

BRANCHBURG, N.J.--(BUSINESS WIRE)--Nov. 7, 2001

Peter G. Schoberl, President/CEO of Advantage Bank (OTCBB: ADBK) announced today that Advantage Bank earned a 5-Star Superior Rating from Bauer Financial Reports, Inc.

A 5-Star Superior Rating denotes the highest level of strength and performance.

"It's a pleasure to issue such a positive report on Advantage Bank, especially in the midst of today's uncertain economy", remarked Paul A. Bauer, President of the research firm. "When the general media separates community banks from big banks", continued Mr. Bauer, "people appreciate that community banks, like Advantage Bank, are most worthy of heralding. Advantage Bank is one of the strongest banks in the nation, and it knows its customers well. Operating cautiously in good times and bad, it represents the best in community banking."

Mr. Schoberl remarked that Mr. Bauer's comments are appreciated and right on target for Advantage Bank. "Our growth and profitability have exceeded our expectations", commented Mr. Schoberl, "due to the outstanding support for the bank from the communities we serve. We are locally owned and operated, and our focus is right here, in the communities we serve."

Conveniently located, Advantage Bank has three offices in Branchburg, Hillsborough and Flemington serving Somerset and Hunterdon Counties.

Advantage Bank is a member of FDIC and MAC, and is an equal housing lender. For further information about Advantage Bank, call 800.959.0068 or visit the bank's Web site at www.advantagebanknj.com.