Yardville National Bancorp (Nasdaq: YANB - News) continues to implement its strategic plan to further expand the YNB franchise, as its banking subsidiary recently received regulatory approval from the Office of the Comptroller of the Currency (OCC) for four new branches throughout New Jersey. The new branches will open in North Brunswick, Skillman, Woodbridge and Lawrence within the next several months. With the opening of these additional locations, YNB will have 34 branches in seven contiguous counties and expects to open more by the end of 2007.

"Expanding our presence in new and existing market areas allows us to attract additional consumer and business customers who are looking for more personalized service," said Kevin Tylus, YNB President and Chief Operating Officer. "By bringing our special brand of personal service and competitive products to a wider market, we continue to grow our deposits and customer base," he explained.

"We are pleased with the results of the new branches we opened earlier this year and will continue to execute our retail banking strategy in 2007," he went on. "The Board of Directors has approved additional locations to open over the next several years, filling some gaps in our existing markets and expanding into new ones to achieve our goals for core deposit growth," he said.

"This commitment to our traditional markets and our expansion into new areas has created excellent new business opportunities for YNB," noted YNB CEO Patrick M. Ryan. "On both the retail and commercial banking fronts, we have been warmly received and our prospects are promising."

"The bank also continues to add to and enhance our products and services, and will launch a new suite of business products at the beginning of 2007," Mr. Tylus added. "The combination of a new suite of business products with our current 'Simply Better' products for personal customers, as well as our expanded retail lending and business development teams put the right products, services and people in place to implement our plan of enhancing the YNB franchise," he concluded.

YNB's thirty branches serve individuals and businesses in Mercer, Hunterdon, Somerset, Burlington, Middlesex and Ocean Counties in New Jersey, and Bucks County, Pennsylvania. Located in the dynamic business corridor between New York City and Philadelphia, YNB offers a broad range of lending, deposit and other financial products and services as well as the convenience of ynb.com 24 hours a day, 7 days a week. At September 30, 2006, YNB had approximately $3.0 billion in assets.

Note regarding forward-looking statements

This press release and other statements made from time to time by our management contain express and implied statements relating to our future financial condition, results of operations, plans, objectives, performance, and business, which are considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These may include statements that relate to, among other things, profitability, liquidity, adequacy of the allowance for loan losses, plans for growth, interest rate sensitivity, market risk, regulatory compliance, and financial and other goals. Although we believe that the expectations reflected in such forward-looking statements are based on reasonable assumptions, we can give no assurance that our expectations will be achieved. Actual results may differ materially from those expected or implied as a result of certain risks and uncertainties, including, but not limited to, the results of our efforts to implement our retail strategy, adverse changes in our loan portfolio and the resulting credit risk-related losses and expenses, interest rate fluctuations and other economic conditions, our ability to attract core deposits, continued relationships with major customers, competition in product offerings and product pricing, adverse changes in the economy that could increase credit- related losses and expenses, adverse changes in the market price of our common stock, proxy contests and litigation, compliance with laws and regulatory requirements, including our agreement with the Office of the Comptroller of the Currency and NASDAQ standards, and other risks and uncertainties detailed from time to time in our filings with the Securities and Exchange Commission, as well as other risks and uncertainties detailed from time to time in statements made by our management. The company assumes no obligation to update or supplement forward-looking statements that become untrue because of subsequent events.

L.G. Zangani, LLC provides financial public relations services to the Company. As such, L.G. Zangani, LLC and/or its officers, agents and employees, receives remuneration for public relations and/or other services performed for the Company. This remuneration may take the form of cash, capital stock in the Company, or warrants and/or options to purchase stock in the Company.