712771--3/15/2007--CENTER_BANCORP_INC

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{loss, insurance, financial}
{condition, economic, financial}
{competitive, industry, competition}
{acquisition, growth, future}
{stock, price, share}
{loan, real, estate}
We are subject to interest rate risk and variations in interest rates may negatively impact our financial performance. Union Center National Bank s ability to pay dividends is subject to regulatory limitations which, to the extent that our holding company requires such dividends in the future, may affect our holding company s ability to honor its obligations and pay dividends. Union Center National Bank s allowance for loan losses may not be adequate to cover actual losses. Union Center National Bank is subject to various lending and other economic risks that could adversely impact our results of operations and financial condition. Union Center National Bank may suffer losses in its loan portfolio despite its underwriting practices. Union Center National Bank faces strong competition from other financial institutions, financial service companies and other organizations offering services similar to the services that Union Center National Bank provides. If we do not successfully integrate any entities that we may acquire in the future, the combined company may be adversely affected.

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