1st NC Bank

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1st Banc Reports Earnings & Names New Executive Officer

November 14, 2007

East Liverpool, OH. -- Tri-State 1st Banc, Inc. (NASDAQ "TSEO"), parent company of 1st National Community Bank, Gateminder Corporation and MDH Investment Management, Inc., announced Net Income for the third quarter ended September 30, 2007 of $122,000 or $.14 per diluted share. This compares with $.10 per share or $89,000 for the third quarter of 2006. The $33,000 increase represents a 37.1% improvement over the Net Income reported for the same three-month period in 2006.

For the nine months ended September 30, 2007, Net Income was $336,000 or $.39 per diluted share. For the first nine months of 2006, the company had Net Income of $300,000 or $.35 per diluted share. On the year-to-date comparison, the $36,000 improvement in earnings represents a 12.0% increase over the same period in 2006 and per diluted share earnings increased by $.04. The MDH Investment Management Inc. subsidiary contributed $22,000 to the Net Income of the company. The consolidated total assets of Tri-State on September 30, 2007 were $104.3 million. This signifies an increase in total assets of $6.5 million or 6.7% from December 31, 2006.

The Board of Directors recently appointed Lance Lang as President and CEO of Gateminder Corporation. Gateminder is an Ohio company founded in 1998. The company provides administrative services to owners and operators of ATM machines including financial institutions, merchants, entertainment venues, hotels and like organizations as far away as Hawaii. Lance Lang has been associated with the Gateminder since it was first organized. He has served the company as its Vice President and General Manager for the past five years.

Lance resides in East Liverpool, Ohio and was graduated from East Liverpool High School in 1989 and Hocking College in 1994. He also actively pursues professionally his interest in nature and landscape digital photography in association with Picks-Photo of East Liverpool. Lance has been actively engaged in supporting the Beaver Creek State Park Nature Center through instructing photography classes at the center, sponsoring photography fund raising events, exhibiting at the fall Heritage Days at the Park and donating proceeds from sales of a video CD featuring photographs taken in national parks and nature preserves around the country and in the southern hemisphere.

Charles B. Lang, President of Tri-State 1st Banc Inc., stated that he is very pleased with the appointment of Lance Lang as President of Gateminder. "Lance has been responsible for all phases of the administration of the company including sales, service work, installation and operations for several years. The recent growth of the company demands that there be a full-time CEO who can focus full attention on the ATM business to assure that Gateminder Corporation achieves its full potential. It is always a pleasure to see our young people advance when they have proven themselves deserving of a promotion."

1st National Community Bank operates five banking offices in Columbiana County, Ohio in Lisbon, Calcutta, East Liverpool and at the Wal-Mart store. Other banking offices include New Cumberland, West Virginia and Midland, Pennsylvania. The Bank maintains 13 convenient ATM locations at six banking offices and seven off-site locations around the tri-state area including major grocery stores and family convenience stores. Customers of the bank have use of all thirteen ATMs without a service charge.

The Bank also boasts a Trust Department that is engaged with local charities and professionals estate planners in providing a full line of trust and estate management services in the community.

The Office of the Comptroller of the Currency chartered 1st National Community Bank on June 1, 1987 as a national banking association. The Bank is currently in its 20th year of providing a full range of banking service to the tri-state area of Ohio, Pennsylvania and West Virginia.

For more information please contact:
Charles B. Lang, President
Tri-State 1st Banc Inc.
16924 St. Clair Avenue
P. O. Box 796
East Liverpool, OH., 43920
Phone: (330) 385-9200
FAX: (330) 386-7452

1st National Community Bank | 16924 St. Clair Avenue | East Liverpool, OH 43920 | Phone: 330/385-9200 | Fax: 330/386-7452

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