Safe and secure banking from your hometown bank.

To our friends and customers:

Citizens State Bank & Trust Co. has always endeavored to provide you with the best of
banking products and services and a competent and courteous staff.  We believe that
superior service builds long-lasting relationships.  Our safe and sound banking practices
have enabled us to build quality loan and investment portfolios, and our capital accounts
are the largest in our 100 years of service.  Your bank is in a solid financial position and
your funds are safe.

While some financial markets have seen falling prices and a lack of liquidity, our
financial assets have held their values.  One measure of our liquidity by the Federal
Deposit Insurance Corporation (FDIC) ranks us in the 97th percentile of other banks.
We have always had the resources to grant sound loans to qualified borrowers and will
continue to do so.  Although headlines are full of the financial institutions and industries
that are clamoring for the funds of the "bailout" we can assure you that we don't need
that money and will not be participating.  One measure of our capitalization by the FDIC
is 16.37%, which ranks us in the 90th percentile of other banks.

Recent legislation temporarily increased the FDIC insurance limits on deposits from
$100,000 to $250,000 until December 31, 2009.  Deposit insurance for individual
retirement accounts is insured separately and permanently for an additional $250,000.
You can also structure the ownership of your accounts to obtain additional deposit
insurance.  For any questions regarding deposit insurance or any banking questions, please contact a bank representative.  A deposit insurance calculator is available from the FDIC at www.fdic.gov/edie/

The directors, officers and staff can be contacted at any time with questions, comments or concerns.  Thank you for being a valued customer of Citizens State Bank & Trust Co.

Sincerely,


Theodore L. Starr
Chairman & President