New Jersey's Carnegie Bancorp has delayed its special shareholder vote on its merger with Regent Bancshares because Philadelphia-based Regent hasn't completed its yearend 1995 financial statements.

The audit of Regent's statements has been delayed because of inadequate information received from the company servicing the bank's car insurance premium financing. Officials of Princeton-based Carnegie said it doesn't know what impact, if any, this will have on the merger.

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