“We are in business to make our customers successful. As a financial ally, we will offer products, service and expertise through a customer-focused effort. Any success the Bank enjoys will depend upon the success of our customers.”

I wish to extend a warm greeting from everyone at Citizens Bank and Trust Company. It is a privilege to serve the banking needs of Crawford County and the surrounding area. We are proud of the products and services we offer and trust our contributions and use of resources have a positive impact on the community. Our mission, over the past 125 years, has not changed. We want to be a financial partner for your success. So today as in the past we are grateful for, and firmly committed to, our customers and this community.

If you bank elsewhere, I invite you to see what a different relationship you will have with your hometown bank. I think you will like our futureā€¦ together.

Sincerely,

D. Keith Hefner

President & CEO