1st Constitution Bancorp (the “Company”) is a bank holding company registered
under the Bank Holding Company Act of 1956, as amended. The Company was
organized under the laws of New Jersey in February 1999 for the purpose of
acquiring all of the issued and outstanding stock of 1st Constitution Bank (the
“Bank”) and thereby enabling the Bank to operate within a bank holding company
structure. The Company became an active bank holding company on July 1, 1999.
The Bank is a wholly-owned subsidiary of the Company. Other than its investment
in the Bank, the Company currently conducts no other significant business
activities.



As of December 31, 2003, the Company, on a consolidated basis, had total assets
of approximately $293.5 million, total deposits of approximately $245.4 million,
total loans of approximately $164.0 million and total shareholders’ equity of
approximately $23.6 million.  ... More..."http://secfilings.nasdaq.com/edgar_conv_html%2f2004%2f03%2f25%2f0001193125-04-049293.html#FIS_BUSINESS"