Advantage Bank Reports 39% Increase in Earnings.

BRANCHBURG, N.J. -- Peter G. Schoberl, President and Chief Executive Officer of Advantage Bank (OTCBB: ADBK) reported financial results for 2004 were outstanding.

Advantage Bank's net income for the first fully taxable year ending December 31, 2004 was $857,949 a 39 percent increase over the $619,322 reported in December 2003. Net income per basic share for the year ending December 31, 2004 was $.48 compared to $.36 per share in 2003.

Chief Executive Officer Peter G. Schoberl said, "This year continued to show Advantage Bank maintained steady growth as our total assets grew $18.5 million or 14 percent to $146.8 million as of December 31, 2004 compared to $128.3 million in 2003. Loans increased $15.1 million or 16 percent to $108.6 million at the end of the year compared to $93.5 million as of December 31, 2003. Deposits rose $17.6 million or 15 percent from $115.2 million as of December 31, 2003, to $132.8 million as of December 31, 2004."

Advantage Bank is celebrating their 6th year of operation and offers a wide range of professional services to individuals and small businesses, including free-for-life personal checking accounts, Internet banking and other full-service banking products. The bank is a member of FDIC and STAR and is an equal housing lender. For further information, call 800-959-0068 or visit the bank's Internet site at www.advantagebanknj.com.