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                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549
                            SCHEDULE 14A INFORMATION

Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934
                                (Amendment No. )

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                                BCB Bancorp, Inc.
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                    Committee for Sound Corporate Governance
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                                GINGER B. KEMP
                                 P.O. Box 767
                               Bayonne, NJ 07002
                                (201) 436-3434


April 20, 2004


Dear Gwen,

      By this time you should have received proxy ballots for the upcoming
Bayonne Community Bank Annual Board meeting. You will notice that I am a member
of the Committee for Sound Corporate Governance.

      I would like to answer any questions you might have as it relates to the
matters mentioned in our various solicitations. I would also like to ask for
your support by asking you to vote for all nominees on the Green Proxy.

      If you have already voted for the nominees on the Green Proxy, please
accept my thanks.

      If you have voted the white proxy in error you can still vote for all
nominees on the Green Proxy, by signing and returning the enclosed Green Proxy
card.

      As a member of The Committee for Sound Corporate Governance I believe that
the voice of the Shareholders must be heard.

      Please sign and return the Green Proxy card.


                                                Sincerely,


                                                Ginger B. Kemp