September 18 , 2007

News Release

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

Contact:
Craig Fortin (937) 283-3002 cfortin@nbtdirect.com
Leslie Adkins (937) 283-3180 ladkins@nbtdirect.com

NB&T FINANCIAL GROUP ANNOUNCES SECOND QUARTER DIVIDEND

NB&T Financial Group, Inc., parent company of The National Bank and Trust Company, has declared a dividend of $.28 per share payable October 22, 2007 to shareholders of record September 30, 2007. This amount is an increase of 3.7% from the dividend of $.27 per share declared in September 2006.

National Bank and Trust, with assets of $541 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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