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                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549


                                    FORM 8-K


                                 CURRENT REPORT



                       Pursuant to Section 13 or 15(d) of
                       the Securities Exchange Act of 1934

         Date of Report (Date of earliest event reported) July 22, 2004
                                                          -------------

                                 SUSSEX BANCORP
                                 --------------
             (Exact name of registrant as specified in its charter)

   New Jersey                          0-29030                    22-3475473
   ----------                         ---------                  ------------
(State or other jurisdiction         (Commission             (IRS Employer
 of incorporation)                   File Number)            Identification No.)


               399 Route 23
           Franklin, New Jersey                                07416
           --------------------                                -----
           (Address of principal executive offices)          (Zip Code)



        Registrant's telephone number, including area code (973) 827-2914
                                                           --------------

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Item 5. Other events.
        ------------

     The Registrant issued a press release on July 22, 2004 announcing the
declaration of a $0.07 cash dividend payable on August 23, 2004 to shareholders
of record as of August 2, 2004.

Item 7. Financial Statements and Exhibits.
        ---------------------------------

        (a)  None.
        (b)  None.
        (c)  Exhibits: Exhibit 99 --  Press release announcing cash dividend.






                                  Page 2 of 2




                                   SIGNATURES
                                   ----------

     Pursuant to the requirements of the Securities Exchange Act of 1934, Sussex
Bancorp has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.


                                       SUSSEX BANCORP
                                       --------------
                                       (Registrant)

Dated:   July 22, 2004                 By: /s/ Candace A. Leatham
                                           -------------------------------------
                                          CANDACE A. LEATHAM
                                          Executive Vice President and Treasurer



                                  Page 3 of 3




                                  EXHIBIT INDEX
                                  -------------

                           CURRENT REPORT ON FORM 8-K
                           --------------------------


Exhibit No.       Description                                          Page No.
-----------       -----------                                          --------

99                Press release announcing the Registrant's               5
                  declaration of a $0.07 cash dividend
                  payable on August 23, 2004 to
                  shareholders of record as of August 2,
                  2004.