X0202 4 2004-07-01 0000846901 LAKELAND BANCORP INC LBAI 0001098513 GUPTILL GEORGE H JR C/O LAKELAND BANCORP, INC. 250 OAK RIDGE ROAD OAK RIDGE NJ 07438 1 0 0 0 Common Stock 2004-07-01 4 A 0 65376 0 A 538647 I Held by Franklin Mutual Insurance Co. of which Mr. Guptill is Chairman. 65,376 shares acquired as a result of the exchange of 14,528 shares of Newton Financial Corp. which merged with Lakeland Bancorp, Inc. on July 1, 2004. Exchange rate was 4.5 shares of Lakeland Bancorp, Inc. for each share of Newton Financial Corp. In Mr. Guptill's capacity of Chairman of Franklin Mutual Insurance Co. he does not vote, invest, or dispose of shares. D: 51,600 shares held directly by Mr. Guptill. George H. Guptill Jr. 2004-07-01