Small Fat Belly, black markings - What is this spider?

North Brunswick, NJ

Found this spider today behind my kitchen window. Normally I see small garden spiders this is different with a black mark center of the belly on the bottom and dark lines on his legs. Does anyone know what this spider is? Do I have to worry about it?

Thanks,

Thumbnail by David7727
Charleston, SC

I think it could be one of the Spotted Orbweavers (Neoscona sp.) A picture that's a little closer and of the dorsal side would probably be a great help. Here's one:

http://bugguide.net/node/view/319763/bgimage

Since it builds an orb, you can be sure that it is not dangerous.

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