----

----

| x   | QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 |
|---------------|-----------------------------------------------------------------------------------------|

| For the quarterly period ended | September 30, 2009 |
|--------------------------------|--------------------|

|  ̈   | TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 |
|--------------------|------------------------------------------------------------------------------------------|

| New Jersey                                                     |   | 20-8444387                           |
|----------------------------------------------------------------|--------|--------------------------------------|
| (State or other jurisdiction of incorporation or organization) |   | (I.R.S. Employer Identification No.) |
|                                                           |   |                                 |
| 1365 Palisade Ave, Fort Lee, New Jersey                        |   | 07024                                |
| (Address of principal executive offices)                       |   | (Zip Code)                           |

| (201) 944-8600                                             |
|------------------------------------------------------------|
| (Registrant’s telephone number, including area code) |

|   | Large accelerated filer |  ̈ |   | Accelerated filer         |  ̈ |
|--------|-------------------------|--------|--------|---------------------------|--------|
|   |                    |   |   |                      |   |
|   | Non-accelerated filer   |  ̈ |   | Smaller reporting company | x      |

----

INDEX

|                                         |                                                                                                                             |         |         |   |
|----------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------|--------------|--------------|--------|
|                                         |                                                                                                                             |         |    | PAGE   |
| Part I  Financial Information |                                                                                                                        |         |
|                                         |                                                                                                                             |         |
| Item 1.                                      |   Financial Statements:                                                                                                     |    |         |
|                                         |                                                                                                                             |         |
|                                         |   Unaudited Consolidated Statements of Financial Condition  -  September 30, 2009 and December 31, 2008 |    | 3            |
|                                         |                                                                                                                             |         |
|                                         |   Unaudited Consolidated Statements of Operations – Three Months Ended September 30, 2009 and 2008                    |         | 4            |
|                                         |                                                                                                                             |         |         |   |
|                                         |   Unaudited Consolidated Statements of Operations – Nine Months Ended September 30, 2009 and 2008                     |    | 5            |
|                                         |                                                                                                                             |         |
|                                         |   Unaudited Consolidated Statements of Cash Flows – Nine Months Ended September 30, 2009 and 2008                     |    | 6            |
|                                         |                                                                                                                             |         |
|                                         |   Notes to Unaudited Consolidated Financial Statements                                                                      |    | 7            |
|                                         |                                                                                                                             |         |
| Item 2.                                      |   Management’s Discussion and Analysis of Financial Condition and Results of Operations                               |    | 24           |
|                                         |                                                                                                                             |         |
| Item 3.                                      |   Quantitative and Qualitative Disclosures about Market Risk                                                                |    | 32           |
|                                         |                                                                                                                             |         |
| Item 4.                                      |   Controls and Procedures                                                                                                   |    | 32           |
|                                         |                                                                                                                             |
| Part II  Other Information    |                                                                                                                        |         |
|                                         |                                                                                                                             |         |
| Item 1.                                      |   Legal Proceedings                                                                                                         |    | 33           |
|                                         |                                                                                                                             |         |
| Item 1A.                                     |   Risk Factors                                                                                                         | 33           |
|                                         |                                                                                                                             |         |
| Item 2.                                      |   Unregistered Sales of Equity Securities and Use of Proceeds                                                               |    | 33           |
|                                         |                                                                                                                             |         |
| Item 3.                                      |   Defaults Upon Senior Securities                                                                                           |    | 33           |
|                                         |                                                                                                                             |         |
| Item 4.                                      |   Submission of Matters to a Vote of Securities Holders                                                                     |    | 33           |
|                                         |                                                                                                                             |         |
| Item 5.                                      |   Other Information                                                                                                         |    | 33           |
|                                         |                                                                                                                             |         |
| Item 6.                                      |   Exhibits                                                                                                                  |    | 33           |
|                                         |                                                                                                                             |
| Signatures                                   |                                                                                                                        | 34           |

----

Index

PART

ITEM

  

BANCORP OF NEW JERSEY, INC. 

|                                                                                                                                                               |   |                    |    |    |                   |   |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|-------------------------|---------|---------|------------------------|--------|
| ASSETS                                                                                                                                                             |   | September 30, 2009 |    |    | December 31, 2008 |   |
|                                                                                                                                                               |   |                    |    |
| Cash and due from banks                                                                                                                                            |   | $                       | 18,960  |    |                   | $      | 304 |   |
| Interest bearing deposits                                                                                                                                          |   |                    | 55      |    |                   |   | 40,107 |   |
| Federal funds sold                                                                                                                                                 |   |                    | 8,474   |    |                   |   | 69 |   |
| Total cash and cash equivalents                                                                                                                                    |   |                    | 27,489  |    |                   |   | 40,480 |   |
|                                                                                                                                                               |   |                    |    |    |                   |   |   |   |
| Restricted investment in bank stock, at cost                                                                                                                       |   |                    | 419     |    |                   |   | 346 |   |
| Securities available for sale, at fair value (amortized cost of $20,250 and $17,641, respectively)                                                                 |   |                    | 20,284  |    |                   |   | 17,731 |   |
| Securities held to maturity (fair value of $4,300 and $0, respectively)                                                                                            |   |                    | 4,296   |    |                   |   | – |   |
|                                                                                                                                                               |   |                    |    |    |                   |   |   |   |
| Loans receivable                                                                                                                                                   |   |                    | 259,481 |    |                   |   | 234,846 |   |
| Deferred loan fees and unamortized costs, net                                                                                                                      |   |                    | 22      |    |                   |   | 90 |   |
| Less: allowance for loan losses                                                                                                                                    |   |                    | (2,647  | )  |                   |   | (2,371 | )  |
| Net loans                                                                                                                                                          |   |                    | 256,856 |    |                   |   | 232,565 |   |
| Premises and equipment, net                                                                                                                                        |   |                    | 10,296  |    |                   |   | 10,284 |   |
| Accrued interest receivable                                                                                                                                        |   |                    | 1,505   |    |                   |   | 847 |   |
| Other assets                                                                                                                                                       |   |                    | 1,801   |    |                   |   | 1,851 |   |
| TOTAL ASSETS                                                                                                                                                       |   | $                       | 322,946 |    |                   | $      | 304,104 |   |
|                                                                                                                                                               |   |
|                                                                                                                                                               |   |                    |    |    |                   |   |   |   |
| LIABILITIES AND STOCKHOLDERS’ EQUITY                                                                                                                         |   |                    |    |    |                   |   |   |   |
| LIABILITIES:                                                                                                                                                       |   |                    |    |    |                   |   |   |   |
| Deposits:                                                                                                                                                          |   |                    |    |    |                   |   |   |   |
| Non-interest bearing                                                                                                                                               |   | $                       | 30,613  |    |                   | $      | 28,187 |   |
| Savings and interest-bearing transaction accounts                                                                                                                  |   |                    | 56,547  |    |                   |   | 60,289 |   |
| Time deposits under $100                                                                                                                                           |   |                    | 40,474  |    |                   |   | 41,855 |   |
| Time deposits $100 and over                                                                                                                                        |   |                    | 143,281 |    |                   |   | 123,675 |   |
|    Total deposits                                                                                                                                   |   |                    | 270,915 |    |                   |   | 254,006 |   |
|                                                                                                                                                               |   |                    |    |    |                   |   |   |   |
| Accrued interest payable and other liabilities                                                                                                                     |   |                    | 1,518   |    |                   |   | 2,234 |   |
|    TOTAL LIABILITIES                                                                                                                                |   |                    | 272,433 |    |                   |   | 256,240 |   |
| Commitments and contingencies                                                                                                                                      |   |                    |    |    |                   |   |   |   |
| Stockholders’ equity:                                                                                                                                        |   |                    |    |    |                   |   |   |   |
| Common stock, no par value, authorized 20,000,000 shares; issued and outstanding 5,206,932 shares at September 30, 2009; and 5,065,283 shares at December 31, 2008 |   |                    | 48,991  |    |                   |   | 47,133 |   |
| Retained earnings                                                                                                                                                  |   |                    | 1,501   |    |                   |   | 678 |   |
| Accumulated other comprehensive income                                                                                                                             |   |                    | 21      |    |                   |   | 53 |   |
|      TOTAL STOCKHOLDERS’ EQUITY                                                                                                     |   |                    | 50,513  |    |                   |   | 47,864 |   |
| TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY                                                                                                                   |   | $                       | 322,946 |    |                   | $      | 304,104 |   |
|                                                                                                                                                               |   |

----

Index

BANCORP

|                                                                             |   |                                                           |   |
|----------------------------------------------------------------------------------|--------|----------------------------------------------------------------|--------|
|                                                                             |   | For the Three Months2009                        |   |   | Ended September 30,2008 |   |
| INTEREST INCOME                                                                  |   | (In thousands, except per share data) |   |
|   Loans, including fees                                                |   | $                                                              | 3,848  |   |   | $ | 3,236 |   |
|   Securities                                                           |   |                                                           | 196    |   |   |   | 238 |   |
|   Federal funds sold                                                   |   |                                                           | 10     |   |   |   | 69 |   |
| TOTAL INTEREST INCOME                                                            |   |                                                           | 4,054  |   |   |   | 3,543 |   |
| INTEREST EXPENSE                                                                 |   |                                                           |   |   |   |   |   |   |
|   Savings and money markets                                            |   |                                                           | 40     |   |   |   | 271 |   |
|   Time deposits                                                        |   |                                                           | 1,355  |   |   |   | 1,406 |   |
| Short term borrowings                                                            |   |                                                           | -      |   |   |   | 11 |   |
| TOTAL INTEREST EXPENSE                                                           |   |                                                           | 1,395  |   |   |   | 1,688 |   |
| NET INTEREST INCOME                                                              |   |                                                           | 2,659  |   |   |   | 1,855 |   |
| Provision for loan losses                                                        |   |                                                           | 74     |   |   |   | 88 |   |
| NET INTEREST INCOME AFTER PROVISION   FOR LOAN LOSSES             |   |                                                           | 2,585  |   |   |   | 1,767 |   |
| NON-INTEREST INCOME  -  principally fees and service charges |   |                                                           | 55     |   |   |   | 57 |   |
| NON-INTEREST EXPENSE                                                             |   |                                                           |   |   |   |   |   |   |
|   Salaries and employee benefits                                       |   |                                                           | 910    |   |   |   | 840 |   |
|   Occupancy and equipment expense                                      |   |                                                           | 415    |   |   |   | 289 |   |
|   FDIC related expenses                                                |   |                                                           | 78     |   |   |   | 21 |   |
|   Data processing                                                      |   |                                                           | 96     |   |   |   | 72 |   |
|   Professional fees                                                    |   |                                                           | 88     |   |   |   | 42 |   |
|   Other expenses                                                       |   |                                                           | 187    |   |   |   | 142 |   |
| TOTAL NON-INTEREST EXPENSE                                                       |   |                                                           | 1,774  |   |   |   | 1,406 |   |
| Income before provision for income taxes                                         |   |                                                           | 866    |   |   |   | 418 |   |
| Income tax expense                                                               |   |                                                           | 351    |   |   |   | 179 |   |
|   NET INCOME                                                           |   | $                                                              | 515    |   |   | $ | 239 |   |
|                                                                             |   |
|                                                                             |   |                                                           |   |   |   |   |   |   |
| PER SHARE OF COMMON STOCK                                                        |   |                                                           |   |   |   |   |   |   |
|   Basic and diluted earnings                                           |   | $                                                              | 0.10   |   |   | $ | 0.05 |   |
|                                                                             |   |                                                           |   |   |   |   |   |   |

----

Index

BANCORP OF NEW JERSEY, INC. 

|                                                                             |   |                                                           |   |
|----------------------------------------------------------------------------------|--------|----------------------------------------------------------------|--------|
|                                                                             |   | For the Nine Months2009                              |   |   | Ended September 30,2008 |   |
| INTEREST INCOME                                                                  |   | (In thousands, except per share data) |   |
|   Loans, including fees                                                |   | $                                                              | 10,811 |   |   | $ | 9,539 |   |
|   Securities                                                           |   |                                                           | 581    |   |   |   | 547 |   |
|   Federal funds sold                                                   |   |                                                           | 68     |   |   |   | 715 |   |
| TOTAL INTEREST INCOME                                                            |   |                                                           | 11,460 |   |   |   | 10,801 |   |
| INTEREST EXPENSE                                                                 |   |                                                           |   |   |   |   |   |   |
|   Savings and money markets                                            |   |                                                           | 207    |   |   |   | 1,009 |   |
|   Time deposits                                                        |   |                                                           | 4,405  |   |   |   | 4,744 |   |
| Short term borrowings                                                            |   |                                                           | -      |   |   |   | 12 |   |
| TOTAL INTEREST EXPENSE                                                           |   |                                                           | 4,612  |   |   |   | 5,765 |   |
| NET INTEREST INCOME                                                              |   |                                                           | 6,848  |   |   |   | 5,036 |   |
| Provision for loan losses                                                        |   |                                                           | 279    |   |   |   | 313 |   |
| NET INTEREST INCOME AFTER PROVISION   FOR LOAN LOSSES             |   |                                                           | 6,569  |   |   |   | 4,723 |   |
| NON-INTEREST INCOME  -  principally fees and service charges |   |                                                           | 141    |   |   |   | 202 |   |
| NON-INTEREST EXPENSE                                                             |   |                                                           |   |   |   |   |   |   |
|   Salaries and employee benefits                                       |   |                                                           | 2,794  |   |   |   | 2,498 |   |
|   Occupancy and equipment expense                                      |   |                                                           | 1,046  |   |   |   | 838 |   |
|   FDIC related expenses                                                |   |                                                           | 381    |   |   |   | 80 |   |
|   Data processing                                                      |   |                                                           | 264    |   |   |   | 219 |   |
|   Professional fees                                                    |   |                                                           | 259    |   |   |   | 189 |   |
|   Other expenses                                                       |   |                                                           | 563    |   |   |   | 461 |   |
| TOTAL NON-INTEREST EXPENSE                                                       |   |                                                           | 5,307  |   |   |   | 4,285 |   |
| Income before provision for income taxes                                         |   |                                                           | 1,403  |   |   |   | 640 |   |
| Income tax expense                                                               |   |                                                           | 581    |   |   |   | 287 |   |
|   NET INCOME                                                           |   | $                                                              | 822    |   |   | $ | 353 |   |
|                                                                             |   |
|                                                                             |   |                                                           |   |   |   |   |   |   |
| PER SHARE OF COMMON STOCK                                                        |   |                                                           |   |   |   |   |   |   |
|   Basic and diluted earnings                                           |   | $                                                              | 0.16   |   |   | $ | 0.07 |   |
|                                                                             |   |                                                           |   |   |   |   |   |   |

----

Index
BANCORP OF NEW JERSEY, INC. 

|                                                                                             |   |                              |    |    |                   |   |
|--------------------------------------------------------------------------------------------------|--------|-----------------------------------|---------|---------|------------------------|--------|
|                                                                                             |   |                              |    |
|                                                                                             |   | For the Nine Months2009 |    |    | Ended September30,2008 |   |
| CASH FLOWS FROM OPERATING ACTIVITIES                                                             |   | (in thousands)                    |    |
| Net income                                                                                       |   | $                                 | 822     |    |                   | $      | 353 |   |
| Adjustments to reconcile net income to net cash provided by (used in) operating activities: |   |                              |    |    |                   |   |   |   |
| Depreciation and amortization                                                                    |   |                              | 321     |    |                   |   | 255 |   |
| Provision for loan losses                                                                        |   |                              | 279     |    |                   |   | 313 |   |
| Recognition of stock option expense                                                              |   |                              | 312     |    |                   |   | 298 |   |
| Net gain from securities transactions                                                            |   |                              | ---     |    |                   |   | (1 | ) |
| Fees earned from mortgage referrals                                                              |   |                              | (10     | )       |                   |   | (15 | ) |
| Changes in operating assets and liabilities:                                                     |   |                              |    |    |                   |   |   |   |
| Increase in accrued interest receivable                                                          |   |                              | (658    | )  |                   |   | (561 | )  |
| Decrease(increase) in other assets                                                               |   |                              | 84      |    |                   |   | (305 | ) |
| Decrease in other liabilities                                                                    |   |                              | 137     |    |                   |   | (429 | ) |
| NET CASH PROVIDED BY(USED IN) OPERATING ACTIVITIES                                               |   |                              | 1,287   |    |                   |   | (92 | ) |
|                                                                                             |   |                              |    |    |                   |   |   |   |
| CASH FLOWS FROM INVESTING ACTIVITIES                                                             |   |                              |    |    |                   |   |   |   |
| Purchases of securities available for sale, net                                                  |   |                              | (24,000 | )       |                   |   | (23,960 | ) |
| Purchases of securities held to maturity, net                                                    |   |                              | (4,296  | )       |                   |   | --- |   |
| Purchases of investment in bank stock                                                            |   |                              | (73     | )       |                   |   | (18 | ) |
| Proceeds from sales or calls of securities available for sale                                    |   |                              | 21,391  |    |                   |   | 7,000 |   |
| Maturities of securities held to maturity                                                        |   |                              | ---     |    |                   |   | 2,000 |   |
| Net increase in loans                                                                            |   |                              | (24,570 | )       |                   |   | (37,226 | ) |
| Purchases of premises and equipment                                                              |   |                              | (333    | )  |                   |   | (2,133 | ) |
| NET CASH USED IN INVESTING ACTIVITIES                                                            |   |                              | (31,881 | )       |                   |   | (54,337 | ) |
|                                                                                             |   |                              |    |    |                   |   |   |   |
| CASH FLOWS FROM FINANCING ACTIVITIES                                                             |   |                              |    |    |                   |   |   |   |
| Net increase in deposits                                                                         |   |                              | 16,909  |    |                   |   | 9,596 |   |
| Decrease in federal funds purchased                                                              |   |                              | (853    | )       |                   |   | --- |   |
| Exercise of stock options                                                                        |   |                              | 23      |    |                   |   | 230 |   |
| Exercise of warrants                                                                             |   |                              | 1,524   |    |                   |   | 813 |   |
| NET CASH PROVIDED BYFINANCING ACTIVITIES                                                         |   |                              | 17,603  |    |                   |   | 10,639 |   |
|                                                                                             |   |                              |    |    |                   |   |   |   |
| Net decrease in cash and cash equivalents                                                        |   |                              | (12,991 | )       |                   |   | (43,790 | ) |
| Cash and cash equivalents, beginning of year                                                     |   |                              | 40,480  |    |                   |   | 66,115 |   |
| CASH AND CASH EQUIVALENTS, END OF PERIOD                                                         |   | $                                 | 27,489  |    |                   | $      | 22,325 |   |
|                                                                                             |   |                              |    |    |                   |   |   |   |
| Cash paid during the period for:                                                                 |   |                              |    |    |                   |   |   |   |
|      Interest                                                           |   | $                                 | 4,648   |    |                   | $      | 6,291 |   |
|      Income taxes                                                       |   | $                                 | 593     |    |                   | $      | 372 |   |
|                                                                                             |   |

----

Index

BANCORP OF NEW JERSEY, INC. 

----

Index

----

Index

----

Index
|                                                                                  |   | For the Three Months EndedSeptember 30, |   |
|---------------------------------------------------------------------------------------|--------|-------------------------------------------------------------|--------|
| (In thousands except per share data)                                                  |   | 2009                                                        |   |   | 2008 |   |
| Net income applicable to common stock                                                 |   | $                                                           | 515    |   |   | $ | 239 |   |
| Weighted average number of common shares outstanding – basic                    |   |                                                        | 5,102  |   |   |   | 5,048 |   |
|                                                                                  |   |                                                        |   |   |   |   |   |   |
| Basic earnings per share                                                              |   | $                                                           | 0.10   |   |   | $ | 0.05 |   |
|                                                                                  |   |                                                        |   |   |   |   |   |   |
|                                                                                  |   |                                                        |   |   |   |   |   |   |
| Net income applicable to common stock                                                 |   | $                                                           | 515    |   |   | $ | 239 |   |
| Weighted average number of common shares and common share equivalents – diluted |   |                                                        | 5,102  |   |   |   | 5,143 |   |
|                                                                                  |   |                                                        |   |   |   |   |   |   |
| Diluted earnings per share                                                            |   | $                                                           | 0.10   |   |   | $ | 0.05 |   |

----

Index
|                                                                                  |   | For the Nine Months EndedSeptember 30, |   |
|---------------------------------------------------------------------------------------|--------|------------------------------------------------------------|--------|
| (In thousands except per share data)                                                  |   | 2009                                                       |   |   | 2008 |   |
| Net income applicable to common stock                                                 |   | $                                                          | 822    |   |   | $ | 353 |   |
| Weighted average number of common shares outstanding – basic                    |   |                                                       | 5,079  |   |   |   | 5,008 |   |
|                                                                                  |   |                                                       |   |   |   |   |   |   |
| Basic earnings per share                                                              |   | $                                                          | 0.16   |   |   | $ | 0.07 |   |
|                                                                                  |   |                                                       |   |   |   |   |   |   |
|                                                                                  |   |                                                       |   |   |   |   |   |   |
| Net income applicable to common stock                                                 |   | $                                                          | 822    |   |   | $ | 353 |   |
| Weighted average number of common shares and common share equivalents – diluted |   |                                                       | 5,079  |   |   |   | 5,077 |   |
|                                                                                  |   |                                                       |   |   |   |   |   |   |
| Diluted earnings per share                                                            |   | $                                                          | 0.16   |   |   | $ | 0.07 |   |

----

Index
|                                                                                                                  |   | Three months ended September 30, |   |
|-----------------------------------------------------------------------------------------------------------------------|--------|----------------------------------|--------|
|                                                                                                                  |   | 2009                             |   |   | 2008 |   |
| Comprehensive Income                                                                                                  |   |                             |   |   |   |   |   |   |
|                                                                                                                  |   |                             |   |   |   |   |   |   |
| Net income                                                                                                            |   | $                                | 515    |   |   | $ | 239 |   |
|                                                                                                                  |   |                             |   |   |   |   |   |   |
| Unrealized holding gain on securities available for sale, net of taxes of $91 and $64 for 2009 and 2008, respectively |   |                             | 140    |   |   |   | 92 |   |
|                                                                                                                  |   |                             |   |   |   |   |   |   |
|                                                                                                                  |   |                             |   |   |   |   |   |   |
| Total comprehensive income                                                                                            |   | $                                | 655    |   |   | $ | 331 |   |

|                                                                                                                  |   | Nine months ended September 30, |
|-----------------------------------------------------------------------------------------------------------------------|--------|---------------------------------|
|                                                                                                                  |   | 2009                            |   |   | 2008 |   |
| Comprehensive Income                                                                                                  |   |                            |   |   |   |   |   |   |
|                                                                                                                  |   |                            |   |   |   |   |   |   |
| Net income                                                                                                            |   | $                               | 822 |   |   | $ | 353 |   |
|                                                                                                                  |   |                            |   |   |   |   |   |   |
| Unrealized holding loss on securities available for sale, net of taxes of $24 and $26 for 2009 and 2008, respectively |   |                            | (32 | ) |   |   | (38 | )   |
|                                                                                                                  |   |                            |   |   |   |   |   |   |
|                                                                                                                  |   |                            |   |   |   |   |   |   |
| Total comprehensive income                                                                                            |   | $                               | 790 |   |   | $ | 315 |   |

----

Index

|   September 30, 2009                   |   | Amortized Cost |   |   | GrossUnrealizedGains |   |   | GrossUnrealizedLosses |   |   | FairValue |   |
|--------------------------------------------------|--------|----------------|--------|--------|----------------------|--------|--------|-----------------------|--------|--------|-----------|--------|
| Government Sponsored Enterprise obligations |   | $              | 20,250 |   |                 | $      | 142    |                  |   | $      | 108       |   |   | $ | 20,284 |   |
|                                             |   |           |   |   |                 |   |   |                  |   |   |      |   |   |   |   |   |
|                                             |   |           |   |   |                 |   |   |                  |   |   |      |   |   |   |   |   |
|   December 31, 2008                    |   | Amortized Cost |   |   | GrossUnrealizedGains |   |   | GrossUnrealizedLosses |   |   | FairValue |   |
| Government Sponsored Enterprise obligations |   | $              | 17,641 |   |                 | $      | 90     |                  |   |   | –   |   |   | $ | 17,731 |   |

|   September 30, 2009 |   | Amortized Cost |   |   | GrossUnrealizedGains |   |   | GrossUnrealizedLosses |   |   | FairValue |   |
|--------------------------------|--------|----------------|--------|--------|----------------------|--------|--------|-----------------------|--------|--------|-----------|--------|
| Municipal obligations          |   | $              | 4,296  |   |                 |   | 4      |                  |   | $      | -         |   |   | $ | 4,300 |   |

----

Index
|          |   |  Securities Available for Sale |   |
|---------------|--------|-------------------------------------|--------|
|          |   | AmortizedCost                       |   |   | FairValue |   |
|          |   |                                |   |   |   |   |
| 1 to 5 years  |   | $                                   | 15,000 |   |   | $ | 15,124 |   |
|          |   |                                |   |   |   |   |   |   |
| 5 to 10 years |   | $                                   | 5,250  |   |   | $ | 5,160 |   |
|          |   |                                |   |   |   |   |   |   |
|          |   |                                |   |   |   |   |   |   |
|          |   | $                                   | 20,250 |   |   | $ | 20,284 |   |

|          |   |  Securities Held to Maturity |   |
|---------------|--------|-----------------------------------|--------|
|          |   | AmortizedCost                     |   |   | FairValue |   |
|          |   |                              |   |   |   |   |
| Within 1 year |   | $                                 | 4,296  |   |   | $ | 4,300 |   |
|          |   |                              |   |   |   |   |   |   |
|          |   |                              |   |   |   |   |   |   |
|          |   |                              |   |   |   |   |   |   |
|          |   | $                                 | 4,296  |   |   | $ | 4,300 |   |

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Index
|         |   | September 30,2009 |    |   | December 31,2008 |   |
|--------------|--------|-------------------|---------|--------|------------------|--------|
|         |   |              |    |   |             |   |
| Real estate  |   | $                 | 173,761 |   |             | $      | 159,058 |   |
| Commercial   |   |              | 36,191  |   |             |   | 33,319 |   |
| Credit lines |   |              | 45,813  |   |             |   | 37,962 |   |
| Consumer     |   |              | 3,716   |   |             |   | 4,507 |   |
|         |   |              |    |   |             |   |   |   |
|         |   | $                 | 259,481 |   |             | $      | 234,846 |   |

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Index
|                           |   | Three months endedSeptember 30,2009 |   |   | Three months endedSeptember 30, 2008 |   |
|--------------------------------|--------|-------------------------------------|--------|--------|--------------------------------------|--------|
|                           |   |                                |   |   |                                 |   |
|                           |   |                                |   |   |                                 |   |
| Balance at beginning of period |   | $                                   | 2,576  |   |                                 | $      | 2,137 |   |
| Provision charged to expense   |   |                                | 74     |   |                                 |   | 88 |   |
| Loans charged off              |   |                                | 3      |   |                                 |   | 0 |   |
| Recoveries                     |   |                                | 0      |   |                                 |   | 0 |   |
|                           |   |                                |   |   |                                 |   |   |   |
| Balance at end of period       |   | $                                   | 2,647  |   |                                 | $      | 2,225 |   |

|                           |   | Nine months endedSeptember 30,2009 |   |   | Nine months endedSeptember 30,2008 |   |
|--------------------------------|--------|------------------------------------|--------|--------|------------------------------------|--------|
|                           |   |                               |   |   |                               |   |
|                           |   |                               |   |   |                               |   |
| Balance at beginning of period |   | $                                  | 2,371  |   |                               | $      | 1,912 |   |
| Provision charged to expense   |   |                               | 279    |   |                               |   | 313 |   |
| Loans charged off              |   |                               | 3      |   |                               |   | 0 |   |
| Recoveries                     |   |                               | 0      |   |                               |   | 0 |   |
|                           |   |                               |   |   |                               |   |   |   |
| Balance at end of period       |   | $                                  | 2,647  |   |                               | $      | 2,225 |   |

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Index

|   | · | Level 1 Inputs - Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities. |
|--------|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | Level 2 Inputs -  Quoted prices in markets that are not active, or inputs that are observable either directly or indirectly, for substantially the full term of the asset or liability. |
|--------|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | Level 3 Inputs -  Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e. supported with little or no market activity). |
|--------|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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Index
| (In Thousands)                              |   |              |   |   | (Level 1)                                       |   |    | (Level 2)                        |   |   | (Level 3)                     |   |
|---------------------------------------------|--------|-------------------|--------|--------|-------------------------------------------------|--------|---------|----------------------------------|--------|--------|-------------------------------|--------|
| Description                                 |   | September 30,2009 |   |   | QuotedPrices inActiveMarkets forIdenticalAssets |   |    | SignificantOtherObservableInputs |   |   | SignificantUnobservableInputs |   |
| Government Sponsored Enterprise Obligations |   | $                 | 20,284 |   |                                            | $      | – |                             |   | $      | 20,284                        |   |   | $ | – |   |

|                                        |   |             |   |   | (Level 1)                                       |   |    | (Level 2)                        |   |   | (Level 3)                     |   |
|---------------------------------------------|--------|------------------|--------|--------|-------------------------------------------------|--------|---------|----------------------------------|--------|--------|-------------------------------|--------|
| Description                                 |   | December 31,2008 |   |   | QuotedPrices inActiveMarkets forIdenticalAssets |   |    | SignificantOtherObservableInputs |   |   | SignificantUnobservableInputs |   |
| Government Sponsored Enterprise Obligations |   | $                | 17,731 |   |                                            | $      | – |                             |   | $      | 17,731                        |   |   | $ | – |   |

| (In Thousands) |   |              |   |   | (Level 1)                                       |   |    | (Level 2)                        |   |   | (Level 3)                     |   |
|----------------|--------|-------------------|--------|--------|-------------------------------------------------|--------|---------|----------------------------------|--------|--------|-------------------------------|--------|
| Description    |   | September 30,2009 |   |   | QuotedPrices inActiveMarkets forIdenticalAssets |   |    | SignificantOtherObservableInputs |   |   | SignificantUnobservableInputs |   |
| Impaired loans |   | $                 | 1,977  |   |                                            | $      | – |                             |   | $      | –                       |   |   | $ | 1,977 |   |

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Index

|           |   |             |   |   | (Level 1)                                       |   |    | (Level 2)                        |   |   | (Level 3)                     |   |
|----------------|--------|------------------|--------|--------|-------------------------------------------------|--------|---------|----------------------------------|--------|--------|-------------------------------|--------|
| Description    |   | December 31,2008 |   |   | QuotedPrices inActiveMarkets forIdenticalAssets |   |    | SignificantOtherObservableInputs |   |   | SignificantUnobservableInputs |   |
| Impaired loans |   | $                | 1,977  |   |                                            | $      | – |                             |   | $      | –                       |   |   | $ | 1,977 |   |

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Index

|                                |   | September 30, 2009 |    |   | December 31, 2008    |   |
|-------------------------------------|--------|--------------------|---------|--------|----------------------|--------|
|                                |   | Carrying amount    |    |   | Estimated Fair Value |   |   | Carrying amount |   |   | Estimated Fair Value |   |
| Financial assets:                   |   |               |    |   |                 |   |   |   |   |   |   |   |   |   |   |   |
| Cash and cash equivalents           |   | $                  | 27,489  |   |                 | $      | 27,489 |   |   | $ | 40,480 |   |   | $ | 40,480 |   |
| Securities available for sale       |   |               | 20,250  |   |                 |   | 20,284 |   |   |   | 17,641 |   |   |   | 17,731 |   |
| Securities held to maturity         |   |               | 4,296   |   |                 |   | 4,300 |   |   |   | – |   |   |   | – |   |
| Restricted investment in bank stock |   |               | 419     |   |                 |   | 419 |   |   |   | 346 |   |   |   | 346 |   |
| Net loans                           |   |               | 256,856 |   |                 |   | 257,001 |   |   |   | 232,565 |   |   |   | 232,744 |   |
| Accrued interest receivable         |   |               | 1,505   |   |                 |   | 1,505 |   |   |   | 847 |   |   |   | 847 |   |
| Financial liabilities:              |   |               |    |   |                 |   |   |   |   |   |   |   |   |   |   |   |
| Deposits                            |   |               | 270,915 |   |                 |   | 271,831 |   |   |   | 254,005 |   |   |   | 255,935 |   |
| Federal funds purchased             |   |               | – |   |                 |   | – |   |   |   | 853 |   |   |   | 853 |   |
| Accrued interest payable            |   |               | 503     |   |                 |   | 503 |   |   |   | 541 |   |   |   | 541 |   |

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|                 |   | September 30,2009 |   |   | MinimumRegulatoryRequirements |   |
|----------------------|--------|-------------------|--------|--------|-------------------------------|--------|
| Risk-Based Capital : |   |              |   |   |                          |   |
| Tier 1 Capital Ratio |   |              | 16.01  | %      |                          |   | 4.0 | % |
| Total Capital Ratio  |   |              | 19.91  | %      |                          |   | 8.0 | % |
| Leverage Ratio       |   |              | 20.95  | %      |                          |   | 4.0 | % |

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SIGNATURES

|                                                                                     |   | Bancorp of New Jersey, Inc. |
|------------------------------------------------------------------------------------------|--------|-----------------------------|
|                                                                                     |   |                        |
| Date:           November 16, 2009 |   | By:                         | /s/ Albert F. Buzzetti |
|                                                                                     |   | Name:                       | Albert F. Buzzetti |
|                                                                                     |   | Title:                      | Chairman and Chief Executive Officer(Principal Executive Officer) |

|   |   | By:    | /s/ Michael Lesler                                                 |
|--------|--------|--------|--------------------------------------------------------------------|
|   |   | Name:  | Michael Lesler                                                     |
|   |   | Title: | President and Chief Operating Officer(Principal Financial Officer) |

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Index

| Exhibit Number |   | Description                                                     |
|----------------|--------|-----------------------------------------------------------------|
|           |   |                                                            |
| 31.1           |   | Rule 13a-14(a) Certification of the Principal Executive Officer |
|           |   |                                                            |
| 31.2           |   | Rule 13a-14(a) Certification of the Principal Financial Officer |
|           |   |                                                            |
| 32             |   | Section 1350 Certifications                                     |