TRX Financial and CitizensBank Team up
for the 2010 / 2011 Income Tax Season

"TRX Financial hits a homerun teaming with SBA Lender of Year"

The Citizens Banking Company is the banking subsidiary of First Citizens Banc Corp., a holding company with assets of approximately $1 billion headquartered in Sandusky, Ohio. The Citizens banking Company

markets itself as Citizens Bank and Champaign Bank. With over 30 locations, the bank has transformed itself from a community bank to a regional financial services company. Citiz

ens is capable of meeting the needs of consumer, business, mortgage and wealth management customers.

We're a banking company located in Northern and Central Ohio that wants to be the best it can be. And you, our neighbors and friends, are the people who help make us just that!  From knowing our customers to participating in community organizations and activities, you will see visible proof that

The Citizens Banking Company is Moving You Ahead.

We want to help you Move Ahead in life…

Citizens Bank 1st ever Community Bank to be Named SBA Lender of the Year

More than Doubles Small Business Lending, the heart of our community

Sandusky, OH, December 2, 2008 –Citizens Bank has been awarded the SBA Lender of the Year - Community Bank Division, from the Small Business Administration Cleveland District Office. Amidst large bank failures and a nationwide credit crisis, community banks have increased their SBA Lending for the 2008 fiscal year (ending September 30th) by over one third from 2007. Citizens Bank led the community bank group by more than doubling their small business lending, where 90% of the nation’s jobs reside.


First Citizens Banc Corp ("First Citizens") is a bank holding company organized and existing under the laws of the State of Ohio and registered with the Board of Governors of the Federal Reserve System pursuant to the Bank Holding Company Act of 1956, as amended. First Citizens' banking subsidiary is: The Citizens Banking Company, a commercial bank organized and existing under the laws of the State of Ohio.

Also, First Citizens wholly owns subsidiaries which provide services related to its primary business: First Citizens Insurance Agency, Inc. and Water Street Properties, Inc.

First Citizens Commons Shares are traded on the NASDAQ Bulletin Board under the symbol "FCZA". First Citizens' principal executive offices are located at 100 East Water Street, Sandusky, Ohio 44871.