UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                  SCHEDULE 14A

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                              Exchange Act of 1934

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                                BCB Bancorp, Inc.
                -----------------------------------------------
                (Name of Registrant as Specified In Its Charter)


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HOW LOW CAN THEY GO?

Dear Fellow Shareholders:

     The dissident group has decided to distort reality by  mischaracterizing an
informal  discussion  two years ago as a secret pact to sell  Bayonne  Community
Bank!

NOT TRUE!

     You have seen the recent  Virginia  Kemp letter.  You know her  intentions.
These are the intentions of the dissident group.

WHAT DO THEY REALLY WANT?

     At  first,   the  dissidents  said  they  defected   because  of  corporate
governance.

     When this claim failed,  they claimed they did not want to sell the bank --
despite all the evidence on the record to the contrary.

     And now, out of desperation,  the dissident group is trying to create a new
reality,  where  informal  discussions  more than two years old  become  today's
reality.

     What  started  as a  complaint  that we did not  want to sell  the bank has
become a  complaint  that we did want to sell the  bank!  When will we learn the
real motives of the dissident group?

DO NOT BE MISLED.

     Please vote the WHITE PROXY CARD. Do not return any green proxy cards.

     From the outset,  management  has stated that it has  considered  strategic
options while continuing the successful  implementation of its business plan. We
remain  committed to these  principles -- and to the proposition that our growth
and the needs of our customers in Bayonne go hand in hand.

     We look forward to seeing you at the annual meeting.

Sincerely,

/s/ Mark D. Hogan                          /s/ Donald Mindiak
-----------------------                    -----------------------------
Mark D. Hogan                              Donald Mindiak
Chairman of the Board                      President and Chief Executive Officer

             BCB BANCORP, INC. -- GROWING WITH THE BAYONNE COMMUNITY