News Release

July 24, 2007

National Bank and Trust
48 N. South Street, P.O. Box 711
Wilmington, Ohio 45177

Contact: Howard Witherby, Senior Vice President (937) 283-3004 hwitherby@nbtdirect.com

National Bank and Trust Breaks Ground on Three Warren County Locations

(Wilmington, OH) The National Bank and Trust Company held groundbreaking ceremonies for three new Warren County Branch Locations on July 24, 2007. The branches will be located at Lebanon North Plaza, 316 Columbus Avenue, Lebanon; Snider Station, Snider Road, Mason; and River's Bend Town Center, State Route 48, Hamilton Township, Ohio.

President and CEO, John Limbert, said, "Warren County is one of the fastest growing areas in the state. We already have a presence there with our two existing locations and we are trying to leverage that presence with the new branches." Construction is scheduled to begin on the 3,100 square foot buildings in August for both Mason and Hamilton Township and in September for the Lebanon location. The branch will employ a minimum of five persons and will offer full financial services including trust, brokerage, financial planning and insurance products for customers. The branches will have two drive-thru lanes and ATM machines available. The branches are expected to be open for business in January 2008.

National Bank and Trust, with assets of $547 million, operates 17 banking offices and an insurance subsidiary, NB&T Insurance Agency, Inc., in Clinton, Clermont, Brown, Warren, and Highland counties.

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