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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) February 25, 2002

                                 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 February 25, 2002 announcing
results for the year ended December 31, 2001.

Item 7.  Exhibits.
         --------

         The following exhibit is filed with this Current Report on Form 8-K.

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

              99                            Press release announcing results for
                                            the year ended December 31, 2001.


                                  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:   February 27, 2002                   By: /s/ Candace A. Leatham
                                                 ----------------------
                                                   CANDACE A. LEATHAM
                                                 Chief Financial Officer


                                  PAGE 3 OF 3




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

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


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

    99            Press release announcing results                         5
                  for the year ended December 31, 2001.




                                  PAGE 4 OF 4