Champaign Bank - Press Release

J. David Hoskins Joins Citizens Wealth Management Brokerage and Trust Services

Urbana, OH, December 1, 2008 – Citizens Wealth Management announced J. David Hoskins as the new Vice President & Financial Consultant in their Urbana office at Champaign Bank. Hoskins, who has more than 12 years of experience in banking, trust and investment management, will provide vision, philosophy and solid financial advice for local investors.

“Now, more than ever, it’s important to work with a financial consultant with experience and who you trust,” said George E. Steinemann, Senior Vice President and Managing Director, Citizens Wealth Management. “We are constantly striving to offer the most knowledgeable financial consultants possible, and David certainly fits the bill.”

Hoskins has his General Securities Representative registration (Series 7) through UVest Financial Services as well as the Ohio Life and Health Insurance licenses. He is actively involved in his community through affiliations with Kiwanis, Springfield Arts Council, Community Leadership Academy, Junior Achievement, United Way, and Southgate Church. Hoskins is located at the Champaign Bank branch at 601 Scioto Street in Urbana and can be reached at 937.653.1176 or David.Hoskins@Uvestmail.com.

Citizens Wealth Management has been providing management of personal wealth for more than sixty years. They deliver an experience that is rich in sound financial advice as well as professionalism, personal service and integrity. Most importantly, Citizens Wealth Management respects their customer’s objectives. They strive to not only be a customer’s financial partner, but also an advocate for achieving customer goals.

Through Citizens Wealth Management’s partnership with UVEST Financial Services, their customers have access to a wide variety of financial products and services, including professional money management, financial planning, stocks, bonds, mutual funds, annuities, IRAs, life insurance, long term care and much more.

About UVEST
Since 1982, UVEST Financial Services (UVEST) has offered quality investment and insurance programs to financial institutions. A premier provider of third-party brokerage, today UVEST delivers customized solutions in a consultative environment to over 300 financial institutions in more than 40 states. UVEST is dedicated to providing proven program management, product expertise, advanced technology, and superior customer service support, all tailored to meet the unique needs of each client. UVEST is a registered broker dealer and is an FINRA/SIPC member firm. For more information, visit www.uvest.com.

UVEST and The Citizens Banking Company are independent entities. Investment products are not FDIC insured, not bank guaranteed, and may lose value.

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Champaign Bank is part of the Citizens Banking Company and deposits held at each of its facilities are not separately insured by FDIC.

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NOTICE OF CHANGES IN TEMPORARY FDIC INSURACE COVERAGE FOR TRANSACTION ACCOUNTS- All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31,2010, through December 31,2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules. The term "noninterest-bearing transaction account " includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov. .