1st NC Bank

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Tri-State 1st Banc Inc.
November 6, 2009
For Immediate Release

1st Banc Reports
3rd Quarter Earnings

East Liverpool, OH. – Tri-State 1st Banc Inc. reported improved earnings in the third Quarter of 2009. Tri-State 1st Banc Inc., with a NASDAQ.BB symbol of “TSOH.OB”, is headquartered at 16926 St. Clair Avenue, East Liverpool, Ohio and is the parent company of three subsidiaries: 1st National Community Bank, Gateminder Corporation and MDH Investment Management Inc.

Tri-State reported net income for the third Quarter of $122.6 thousand. This reflects a significant increase in earnings compared with the third Quarter in 2008 when net income was $1.4 thousand. The company benefited from an improving net interest spread and cost reductions at the Bank and stronger earnings from Gateminder Corporation and MDH Investment Management but was negatively impacted by several extraordinary expenses of the holding company.

On September 30, 2009, total assets of 1st National Community Bank were $123 million compared to $118 million on September 30, 2008. Over the past 12 months, Bank Assets increased 4.40%, Deposits grew 8.48%, Total Loans increased 3.88%, Bank Equity Capital is up 24.32% and Nonperforming Loans are down 14.84%.

Stephen Sant, Vice President of Tri-State 1st Banc Inc. and President of the Bank, stated: “During these difficult times of economic turmoil in this country and the world, I am pleased to be involved with a community banking association. Just as is the case with most community banks, management did not permit 1st Bank to participate in lending excesses that caused severe problems for other types of lending institutions around the country. Our greatest concern now is dealing with a struggling economy but we continue to keep our doors open to the borrowing needs of our customers. In this manner we are able to contribute to the economic recovery in our market place. Diversifying the company through entry into the ATM service business through Gateminder Corporation and the fee based investment management business through MDH Investment Management Inc., that are both contributing to earnings in a meaningful way this year, has allowed us to continue to serve the communities where we maintain 1st Bank offices.”

1st National Community Bank has three banking offices in Columbiana County, Ohio at Lisbon, Calcutta, East Liverpool and it maintains an Operation Service Center including Executive offices at 16924 St. Clair Avenue in St. Clair Township. There is also a 1st Bank office in New Cumberland, West Virginia and in Midland, Pennsylvania. The Bank maintains off-site ATMs located at four area grocery stores and three family convenience stores in addition to ATMs at 4 banking offices and at the Operation Center on St. Clair Avenue. Customers holding 1st Bank ATM and Debit cards use all these ATMs without paying the service charge that is assessed to non-customer users. 1st Bank is the only bank with a local Trust Department offering a full range of Trust services in the tri-state area.

The Office of the Comptroller of the Currency chartered 1st National Community Bank on June 1, 1987 as a national banking association. The Bank has been in continuous operation in the community for over 22 years. The holding company was created in 1996.

Contact Person:
Jean Edwards, CFO
Tri-State 1st Banc Inc.
16926 St. Clair Avenue
P. O. Box 796
East Liverpool, OH. 43920      (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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