CENTRAL JERSEY FINANCIAL CORP 10-K

FORM 10-K

EXHIBIT 2.1 TO FORM 10-K

EXHIBIT 2.2 TO FORM 10-K

EXHIBIT 10.1 TO FORM 10-K

EXHIBIT 10.2 TO FORM 10-K

EXHIBIT 10.3

EXHIBIT 11 TO FORM 10-K

EXHIBIT 21 TO FORM 10-K

EXHIBIT 23 TO FORM 10-K

FDS FOR FORM 10-K