Exhibit 99.1

Presentation to Ryan Beck & Co. September 25, 2006 Welcome To




Forward-Looking Statements This presentation
contains estimates and other forward-looking statements within the meaning of the Private Securities Litigation 
Reform Act of 1995. SOMH
cautions that the assumptions forming the basis for forward-looking statements include many factors that are 
beyond the Companys ability to control or estimate precisely, such as estimates of future market conditions
and the behavior of depositors,
borrowers and other customers. Other factors that could cause actual results, including earnings and growth in
market share, to differ materially from the Companys expectations include, but are not limited to, general
economic conditions,
economic conditions in our New Jersey trade area, the future level and direction of interest rates, the strength
of the home mortgage market, changes in governmental economic and tax policies, changes in bank regulation and other
uncertainties.
Somerset Hills Bancorp does not, by including this statement, assume any obligation to review or revise any
particular forward-looking statement referenced herein in light of future events..




Who We Are $960,000 1
st
6 Months Net Income 2006 Stock - SOMH Warrants - SOMHW NASDAQ Capital Market Up 58% 6 Month Net Income $607,000 1
st
6 Months Net Income 2005 $27.1 Million Total Capital as of 6/30/2006 $258 Million Total Assets as of 6/30/2006 Founded 12/1998 Community Bank in Northern New Jersey




Where We Are




13% Increase Over 2002 7% Increase Over 2003 Total Assets 26% Increase Over 2001 35% Increase Over 2004 24% Increase Over 2005 18% Increase Over 2004




Statement of Operations +14% $    607 1
st
6 Months 2005 +58% $    960 1
st
6 Months 2006 +56% $ 2,115 2005 +16% $ 1,359 2004 +555% $ 1,173 2003 +132% $    179 2002 +96% $  (560) 2001 Change From Prior Year Net Income/Loss Year




Loan Growth - Total Balances 15% Increase Over 2002 22% Increase Over 2003 21% Increase Over 2004 38% Increase Over 2001 27% Increase Over 2005 21% Increase Over 2004




Loan Mix Composition Total Balances June 30, 2006




Consumer Loan Portfolio  Loan Composition




Net Interest Margin 4.32% 6/30/2006 4.31% 12/31/2005 3.78% 12/31/2004 3.40% 12/31/2003 3.52% 12/31/2002 2.98% 12/31/2001




Deposit Growth Total Deposits Core Deposits 6% Increase 14% Increase 43% Increase 16% Increase 22% Increase 30% Increase 22% Increase 34% Increase 22% Increase 24% Increase 26% Increase 33% Increase




Deposit Mix - Total Balances 90% 88% 20,731 25,656 141,846 149,329 45,667 43,972 12/31/2005 6/30/2006 85% 23,748 94,066 37,061 12/31/2004 79% 30,545 86,111 28,995 12/31/2003 66% 42,538 67,520 15,386 12/31/2002 65% $35,783 $53,898 $13,272 12/31/2001 Core Deposits as a % of Total Deposits Time Deposits NOW/Money Market/Savings Demand




Paramount Checking Total Balances Number of Accounts 417% Increase Over 2001 252% Increase Over 2002 3% Decrease Over 2003 5% Increase Over 2004 7% Increase Over 2005 46% Increase Over 2001 25% Increase Over 2002 13% Increase Over 2003 10% Increase Over 2004 6% Increase Over 2005




Paramount Checking -continued Average Balance Per Account




Escrow Ease Total Balances




Asset Quality and Reserves From the outset, we have implemented a strong credit
culture through the application of sound banking principles. As of June 30, 2006 Somerset Hills Bancorp had no
non-performing loans. Loan loss reserves as of the same date totaled $2.1
million. Loan Loss Reserve 1.18% of total loans.




Subsidiaries Sullivan Financial Services Inc. Acquired March 2000 100% ownership Somerset Hills Wealth Management, LLC Founded November 2002 100% ownership Somerset Hills Title, LLC Founded May 2004 50% ownership




Sullivan Financial Services, Inc.

Products and Services Conventional Mortgage Loans Fixed and Adjustable Rate Loans FHA/VA Loans Jumbo Mortgages 1st Time Buyer Programs No Doc Loans No Cost Refinances




Sullivan Financial Services, Inc.

Loan Volume June
2006 2005 2004 2003 2002 2001 ($170) $85 $143 $885 $622 $368 Net Income 524 1132 1091 2098 1384 1153 Closings $137,724 $311,273 $270,803 $505,384 $320,978 $220,261 Closings 691 1362 1297 2159 1701 1530 Originations $188,410 $379,114 $330,491 $530,913 $404,513 $304,179 Originations




Somerset Hills Wealth Management, LLC For the Individual: Financial Planning Investment Management Estate Review Life, Health & Long Term Care Insurance Property and Casualty Insurance




Somerset Hills Wealth Management, LLC For the Business Owner: Business Succession Planning Buy-Sell & Key Person Agreements Retirement Plans & Group Insurance Property and Casualty Insurance




Somerset Hills Title Company, LLC PROVIDING TITLE SERVICE IN CONNECTION WITH THE CLOSING
OF REAL ESTATE TRANSACTIONS 2
nd
Qtr 2006 2005 2004 $24,000 $64,000 $20,000 Net Income to Bank $24 Million $57 Million $30 Million Amount of Closed Transactions 19 62 30 Total Transactions




Look to the Future
Building the Franchise New Branch Opportunities Acquisition Opportunities Staffing Opportunities




Warrant Expiration Terms of Warrants: Entitles holder to purchase 1.22 shares of SOMH
common stock for $9.65. ($7.91 per share) Expire November 30, 2006. Recently declared our quarterly dividend of $0.03 per 
share payable on November 30, 2006 to holders on record as of November 15, 2006. Warrant holders who exercise and become record holders
by November 15, 2006 will receive this dividend on the new shares. Financial Impact: Accretive to book value. Accretive to EPS.