Letter from the President

Welcome to the Citizens Bank:

Thank you very much for taking the time to visit us. We are very proud of our web site and find it exciting that you can bank with us at any time and place that is convenient to you, our valued customer. I urge you to spend a few moments browsing the site. In addition to providing a technologically based convenient way to bank it also serves to provide education about the broad base of financial services offered by the Citizens Bank and its subsidiaries.

We are widely regarded as the premier financial services company in the Hocking Valley. The Bank's corporate office is located in Logan, "the heart of the Hocking Hills Region". We are also proud to have offices in the communities of Athens and Nelsonville, Ohio and look forward to serving Fairfield County with a new lending branch located in Lancaster, Ohio.

The real backbone of our business philosophy is to provide exceptional customer service. We promote it, train for it, and support it in everything we do, every customer, every time! Innovative products competitively priced and delivered with exceptional service by people that you probably already know. We call it "Community Banking Redefined". Truly, you won't find a better level of service in the markets that we serve.

It is also important to us that we make the communities we serve better places to live and work. We have developed and value many long term relationships with our customers and The Citizens Bank and its staff support and sponsor many worthwhile activities within our communities.

Please let me know if ever I personally can be of assistance to you. I can be reached at 740-385-8561.

Again, I want to thank you for visiting our web site. If you are already one of our customers, we thank you. Your patronage is very much appreciated. If you are not currently a customer we would certainly find it a privelege to earn your business and trust.

Sincerely,
Bryan K. Starner, President/CEO