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PNBC: a single-bank holding company, which operates in one business segment conducting a full-service banking and trust business through its subsidiary bank, Citizens First National Bank (Citizens Bank or the Bank). Citizens Bank has 21 offices in 17 different communities in north central Illinois; Citizens Bank operates a full-service community commercial bank and trust business that offers a range of financial services to customers. Citizens Bank's services consist of commercial, real estate and agricultural lending, consumer deposit and financial services, and trust, brokerage, insurance and farm management services.

RBNF: a bank holding company. Through its direct and indirect subsidiaries, The State Bank and Trust Company (State Bank), RFCBC, Inc. (RFCBC), RDSI Banking Systems (RDSI), Rurban Mortgage Company (RMC), Rurban Investments, Inc. (RII), Rurban Statutory Trust I (RST I), and Rurban Statutory Trust II (RST II), the Company is engaged in a range of activities, including commercial banking, data and item processing, and trust and financial services. State Bank owns Rurban Mortgage Company (RMC) and Rurban Investments Inc. (RII).

UBCP: a bank holding company. The Company has one wholly owned subsidiary bank, The Citizens Savings Bank, Martins Ferry, Ohio (CITIZENS, or the Bank). The Bank operates two divisions for marketing purposes, The Community Bank, a division of The Citizens Savings Bank and The Citizens Bank, a division of The Citizens Savings Bank. CITIZENS serve customers in northeastern, eastern, southeastern and south central Ohio. The Bank is engaged in the business of commercial and retail banking in Belmont, Harrison, Tuscarawas, Carroll, Athens, Hocking, and Fairfield counties and the surrounding localities. The Bank provides banking and financial services, which include accepting demand, savings and time deposits and granting commercial, real estate and consumer loans. It also offers brokerage service through UVEST.