**For      Immediate Release**

| Contact: | David                G. Ratz, Executive Vice President |
|----------|--------------------------------------------------------|
|     | (740)                286-3283                          |

**Oak      Hill Financial Reports 1st Quarter      Results**

**Jackson,      Ohio**

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**Key      Issue Review and Outlook**

*Net      Interest Margin*

*Operating      Expenses*

*Non-Interest      Income*

*Asset      Quality*

----

*Asset/Loan      Growth*

**Forward-Looking      Statements Disclosure**

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**Oak      Hill Financial, Inc.**

**SELECTED      CONSOLIDATED FINANCIAL INFORMATION **
*(unaudited)*

|                                                                                                                 |   | At                                or For the Three Months Ended |      |
|----------------------------------------------------------------------------------------------------------------------|--------|-----------------------------------------------------------------|-----------|
|                                                                                                                 |   | March                                31,                        |      |
| *(In                                thousands)*                                                                      |   | 2007                                                            |      |   | 2006 |   |
|                                                                                                                 |   |                                                            |      |   |   |   |
| **SUMMARY                                OF FINANCIAL CONDITION**                                                    |   |                                                            |      |   |   |   |
|                                                                                                                 |   |                                                            |      |   |   |   |
| Total                                assets                                                                          |   | $                                                               | 1,292,047 |   |   | $ | 1,246,229 |   |
| Interest-bearing                                deposits and federal funds sold                                      |   |                                                            | 17,869    |   |   |   | 1,693 |   |
| Investment                                securities                                                                 |   |                                                            | 148,947   |   |   |   | 136,066 |   |
| Loans                                receivable – net                                                          |   |                                                            | 1,030,180 |   |   |   | 1,017,074 |   |
| Deposits                                                                                                             |   |                                                            | 961,787   |   |   |   | 980,654 |   |
| Federal                                Home Loan Bank advances and other borrowings                                  |   |                                                            | 232,688   |   |   |   | 167,169 |   |
| Stockholders’                                equity                                                            |   |                                                            | 92,809    |   |   |   | 94,234 |   |
|                                                                                                                 |   |                                                            |      |   |   |   |   |   |
|                                                                                                                 |   |                                                            |      |   |   |   |   |   |
| **SUMMARY                                OF OPERATIONS (U.S. GAAP)**                                                 |   |                                                            |      |   |   |   |   |   |
|                                                                                                                 |   |                                                            |      |   |   |   |   |   |
| Interest                                income                                                                       |   | $                                                               | 20,913    |   |   | $ | 18,971 |   |
| Interest                                expense                                                                      |   |                                                            | 11,645    |   |   |   | 9,280 |   |
|      Net                                interest income                                     |   |                                                            | 9,268     |   |   |   | 9,691 |   |
| Provision                                for losses on loans                                                         |   |                                                            | 543       |   |   |   | 200 |   |
|      Net                                interest income after provision for losses on loans |   |                                                            | 8,725     |   |   |   | 9,491 |   |
| Gain                                on sale of loans                                                                 |   |                                                            | 147       |   |   |   | 209 |   |
| Commission                                income                                                                     |   |                                                            | 816       |   |   |   | 820 |   |
| Other                                non-interest income                                                             |   |                                                            | 1,832     |   |   |   | 2,258 |   |
| General,                                administrative and other expense                                             |   |                                                            | 8,288     |   |   |   | 8,249 |   |
|      Earnings                                before federal income taxes                    |   |                                                            | 3,232     |   |   |   | 4,529 |   |
| Federal                                income taxes                                                                  |   |                                                            | 894       |   |   |   | 1,285 |   |
| Federal                                new markets tax credit                                                        |   |                                                            | (275      | ) |   |   | (250 | ) |
| Net                                earnings                                                                          |   | $                                                               | 2,613     |   |   | $ | 3,494 |   |
|                                                                                                                 |   |                                                            |      |   |   |   |   |   |

----

**Oak      Hill Financial, Inc.**

**SELECTED      CONSOLIDATED FINANCIAL      INFORMATION **

*(unaudited)*

|                                                                                     |   | At                              or For the Three Months Ended |   |
|------------------------------------------------------------------------------------------|--------|---------------------------------------------------------------|--------|
|                                                                                     |   | March                              31,                        |   |
| *(In                              thousands, except share data)*                         |   | 2007                                                          |   |   | 2006 |   |
|                                                                                     |   |                                                          |   |   |   |   |
| **PER                              SHARE INFORMATION (U.S. GAAP)**                       |   |                                                          |   |   |   |   |
|                                                                                     |   |                                                          |   |   |   |   |
| Basic                              earnings per share (1)                                |   | $                                                             | 0.49   |   |   | $ | 0.63 |   |
| Diluted                              earnings per share (2)                              |   | $                                                             | 0.48   |   |   | $ | 0.62 |   |
| Dividends                              per share                                         |   | $                                                             | 0.21   |   |   | $ | 0.19 |   |
| Book                              value per share                                        |   | $                                                             | 17.38  |   |   | $ | 17.00 |   |
|                                                                                     |   |                                                          |   |   |   |   |   |   |
|                                                                                     |   |                                                          |   |   |   |   |   |   |
| **OTHER                              STATISTICAL AND OPERATING DATA (U.S. GAAP) (3)**    |   |                                                          |   |   |   |   |   |   |
|                                                                                     |   |                                                          |   |   |   |   |   |   |
| Return                              on average assets                                    |   |                                                          | 0.83   | % |   |   | 1.14 | % |
| Return                              on average equity                                    |   |                                                          | 11.51  | % |   |   | 15.03 | % |
| Non-interest                              expense to average assets                      |   |                                                          | 2.63   | % |   |   | 2.70 | % |
| Net                              interest margin (fully-taxable equivalent)              |   |                                                          | 3.24   | % |   |   | 3.48 | % |
| Total                              allowance for losses on loans to non-performing loans |   |                                                          | 92.11  | % |   |   | 56.61 | % |
| Total                              allowance for losses on loans to total loans          |   |                                                          | 1.25   | % |   |   | 1.33 | % |
| Non-performing                              loans to total loans                         |   |                                                          | 1.36   | % |   |   | 2.35 | % |
| Non-performing                              assets to total assets                       |   |                                                          | 1.31   | % |   |   | 2.01 | % |
| Net                              charge-offs to average loans (actual for the period)    |   |                                                          | 0.04   | % |   |   | 0.01 | % |
| Net                              charge-offs to average loans (annualized)               |   |                                                          | 0.16   | % |   |   | 0.06 | % |
| Equity                              to assets at period end                              |   |                                                          | 7.18   | % |   |   | 7.56 | % |
| Efficiency                              ratio                                            |   |                                                          | 63.79  | % |   |   | 60.14 | % |
|                                                                                     |   |                                                          |   |   |   |   |   |   |

| (1)  |  Based                on                5,324,538 and 5,567,489 weighted-average shares outstanding for the                three                months ended March 31, 2007 and 2006,                respectively. |
|-----------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (2)  |  Based                on                5,393,842 and 5,667,373 weighted-average shares outstanding for the                three                months ended March 31, 2007 and 2006,                respectively. |
|-----------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (3)  |                  Annualized where                appropriate. |
|-----------|--------------------------------------------------------------------|

----

**Oak      Hill Financial, Inc.**

**SELECTED      CONSOLIDATED FINANCIAL      INFORMATION **

*(unaudited)*

|                                                                              |   | At March                      31, |          |
|-----------------------------------------------------------------------------------|--------|----------------------------------------|---------------|
| *(In                      thousands, except share data)*                          |   | 2007                                   |          |   | 2006 |   |
|                                                                              |   |                                   |          |   |   |   |
| **SUPPLEMENTAL                      DETAIL**                                      |   |                                   |          |   |   |   |
|                                                                              |   |                                   |          |   |   |   |
| BALANCE                      SHEET – ASSETS                                 |   |                                   |          |   |   |   |
|                                                                              |   |                                   |          |   |   |   |
| Cash                      and cash equivalents                                    |   |                                   | 38,958        |   |   |   | 25,804 |   |
| Trading                      account securities                                   |   |                                   | 10,141        |   |   |   |  – |   |
| Securities                      available for sale                                |   |                                   | 137,287       |   |   |   | 132,453 |   |
| Securities                      held to maturity                                  |   |                                   | 1,519         |   |   |   | 3,613 |   |
| Other                      securities                                             |   |                                   | 8,078         |   |   |   | 7,734 |   |
| Total                      securities                                             |   |                                   | 157,025       |   |   |   | 143,800 |   |
| Total                      cash and securities                                    |   |                                   | 195,983       |   |   |   | 169,604 |   |
| Loans                      and leases held for investment (1)                     |   |                                   | 1,039,881     |   |   |   | 1,027,188 |   |
| Loans                      and leases held for sale (1)                           |   |                                   | 68            |   |   |   | 100 |   |
| Total                      loans and leases (1)                                   |   |                                   | 1,039,949     |   |   |   | 1,027,288 |   |
| Allowance                      for losses on loans                                |   |                                   | 13,063        |   |   |   | 13,706 |   |
| Goodwill                                                                          |   |                                   | 7,935         |   |   |   | 7,935 |   |
| Other                      intangible assets                                      |   |                                   | 2,895         |   |   |   | 3,784 |   |
| Total                      intangible assets                                      |   |                                   | 10,830        |   |   |   | 11,719 |   |
| Mortgage                      servicing rights                                    |   |                                   | 3,294         |   |   |   | 3,492 |   |
| Purchased                      credit card relationships                          |   |                                   | –       |   |   |   | – |   |
| Other                      real estate owned                                      |   |                                   | 2,699         |   |   |   | 865 |   |
| Bank                      owned life insurance                                    |   |                                   | 13,571        |   |   |   | 13,098 |   |
| Other                      assets                                                 |   |                                   | 38,784        |   |   |   | 33,869 |   |
| Total                      assets                                                 |   |                                   | 1,292,047     |   |   |   | 1,246,229 |   |
|                                                                              |   |                                   |          |   |   |   |   |   |
| BALANCE                      SHEET – LIABILITIES                            |   |                                   |          |   |   |   |   |   |
|                                                                              |   |                                   |          |   |   |   |   |   |
| Deposits                                                                          |   |                                   | 961,787       |   |   |   | 980,654 |   |
| Borrowings                                                                        |   |                                   | 209,688       |   |   |   | 144,169 |   |
| Other                      liabilities                                            |   |                                   | 4,755         |   |   |   | 4,164 |   |
| Total                      liabilities                                            |   |                                   | 1,176,230     |   |   |   | 1,128,987 |   |
| Redeemable                      preferred stock                                   |   |                                   |  – |   |   |   | – |   |
| Trust                      preferred securities                                   |   |                                   | 23,000        |   |   |   | 23,000 |   |
| Minority                      interests                                           |   |                                   | 8             |   |   |   | 8 |   |
| Other                      mezzanine level items                                  |   |                                   |  – |   |   |   |  – |   |
| Total                      mezzanine level items                                  |   |                                   | 23,008        |   |   |   | 23,008 |   |
| Total                      liabilities and mezzanine level items                  |   |                                   | 1,199,238     |   |   |   | 1,151,995 |   |
|                                                                              |   |                                   |          |   |   |   |   |   |
| BALANCE                      SHEET – EQUITY                                 |   |                                   |          |   |   |   |   |   |
|                                                                              |   |                                   |          |   |   |   |   |   |
| Preferred                      equity                                             |   |                                   |  – |   |   |   |  – |   |
| Common                      equity                                                |   |                                   | 92,809        |   |   |   | 94,234 |   |
| MEMO                      ITEM: Net unrealized loss on securities                 |   |                                   |          |   |   |   |   |   |
|      available                      for sale, net of tax |   |                                   | (110          | ) |   |   | (548 | ) |
| End                      of period shares outstanding (2)                         |   |                                   | 5,338,793     |   |   |   | 5,544,751 |   |
| Options                      outstanding                                          |   |                                   | 390,933       |   |   |   | 464,533 |   |
| Treasury                      shares held by the Company                          |   |                                   | 535,841       |   |   |   | 329,883 |   |
|                                                                              |   |                                   |          |   |   |   |   |   |

| (1)  |  Data                is                net of unearned interest, gross of allowance for losses on                loans |
|-----------|-----------------------------------------------------------------------------------------------------------------------------|

| (2)  |  Excludes                treasury shares |
|-----------|-----------------------------------------------|

----

**Oak      Hill Financial, Inc.**

**SELECTED      CONSOLIDATED FINANCIAL      INFORMATION **

*(unaudited)*

|                                                                                 |   | At                    or For the Three Months Ended |    |
|--------------------------------------------------------------------------------------|--------|-----------------------------------------------------|---------|
|                                                                                 |   | March                    31,                        |    |
| *(In                    thousands, except share data)*                               |   | 2007                                                |    |   | 2006 |   |
|                                                                                 |   |                                                |    |   |   |   |
| **SUPPLEMENTAL                    DETAIL***(continued)*                              |   |                                                |    |   |   |   |
|                                                                                 |   |                                                |    |   |   |   |
| Repurchase                    plan announced?                                        |   | No                                                  |    |   | Yes |   |
| Number                    of shares to be repurchased in plan(1)                     |   | N/A                                                 |    |   |   | 278,000 |   |
| Number                    of shares repurchased during the period(1)                 |   | N/A                                                 |    |   |   | 74,455 |   |
| Average                    price of repurchased shares(1)                            |   | N/A                                                 |    |   | $ | 32.02 |   |
|                                                                                 |   |                                                |    |   |   |   |   |
|                                                                                 |   |                                                |    |   |   |   |   |
| INCOME                    STATEMENT                                                  |   |                                                |    |   |   |   |   |
|                                                                                 |   |                                                |    |   |   |   |   |
| Interest                    income                                                   |   |                                                | 20,913  |   |   |   | 18,971 |   |
| Interest                    expense                                                  |   |                                                | 11,645  |   |   |   | 9,280 |   |
| Net                    interest income                                               |   |                                                | 9,268   |   |   |   | 9,691 |   |
| Net                    interest income (fully-taxable equivalent)                    |   |                                                | 9,626   |   |   |   | 10,074 |   |
| Provision                    for losses on loans                                     |   |                                                | 543     |   |   |   | 200 |   |
| Non-recurring                    expense:                                            |   |                                                |    |   |   |   |   |   |
|        Merger-related                    expenses |   |                                                | – |   |   |   | – |   |
| Trading                    account income                                            |   |                                                | – |   |   |   | – |   |
| Foreign                    exchange income                                           |   |                                                | – |   |   |   | – |   |
| Trust                    income                                                      |   |                                                | – |   |   |   | – |   |
| Commission                    income                                                 |   |                                                | 816     |   |   |   | 820 |   |
| Service                    charges on deposits                                       |   |                                                | 1,230   |   |   |   | 1,207 |   |
| Gain                    on sale of loans                                             |   |                                                | 147     |   |   |   | 209 |   |
| Gain                    on investment securities transactions                        |   |                                                | 138     |   |   |   | 139 |   |
| Other                    non-interest income                                         |   |                                                | 464     |   |   |   | 912 |   |
| Total                    non-interest income                                         |   |                                                | 2,795   |   |   |   | 3,287 |   |
| Employee                    compensation and benefits                                |   |                                                | 4,497   |   |   |   | 4,300 |   |
| Occupancy                    and equipment expense                                   |   |                                                | 1,164   |   |   |   | 993 |   |
| Foreclosed                    property expense                                       |   |                                                | – |   |   |   | – |   |
| Amortization                    of intangibles                                       |   |                                                | 216     |   |   |   | 283 |   |
| Other                    general, administrative and other expense                   |   |                                                | 2,411   |   |   |   | 2,673 |   |
| Total                    non-interest expenses                                       |   |                                                | 8,288   |   |   |   | 8,249 |   |
| Net                    income before taxes                                           |   |                                                | 3,232   |   |   |   | 4,529 |   |
| Federal                    income taxes                                              |   |                                                | 894     |   |   |   | 1,285 |   |
| Federal                    new markets tax credit                                    |   |                                                | (275    | ) |   |   | (250 | ) |
| Net                    income before extraordinary items                             |   |                                                | 2,613   |   |   |   | 3,494 |   |
| Extraordinary                    items                                               |   |                                                | – |   |   |   | – |   |
| Net                    income                                                        |   |                                                | 2,613   |   |   |   | 3,494 |   |
|                                                                                 |   |                                                |    |   |   |   |   |   |
|                                                                                 |   |                                                |    |   |   |   |   |   |
| CHARGE-OFFS                                                                          |   |                                                |    |   |   |   |   |   |
|                                                                                 |   |                                                |    |   |   |   |   |   |
| Loan                    charge-offs                                                  |   |                                                | 641     |   |   |   | 739 |   |
| Recoveries                    on loans                                               |   |                                                | 236     |   |   |   | 593 |   |
| Net                    loan charge-offs                                              |   |                                                | 405     |   |   |   | 146 |   |
|                                                                                 |   |                                                |    |   |   |   |   |   |

| (1) | There                were 52,055 shares repurchased at an average price of $32.40 under                the                plan announced on May 26, 2005. These shares completed the plan,                and a new                plan was announced on February 21, 2006. There were 22,400 shares                repurchased at an average price of $31.01 under the new                plan. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

**Oak      Hill Financial, Inc.**

**SELECTED      CONSOLIDATED FINANCIAL      INFORMATION **

*(unaudited)*

|                                                                                |   | At                                or For the Three Months Ended   |      |
|-------------------------------------------------------------------------------------|--------|-----------------------------------------------------------------------------|-----------|
|                                                                                |   | March                                31,                          |      |
| *(In                                thousands, except share data)*                  |   | 2007                                                                        |      |   | 2006 |   |
|                                                                                |   |                                                                        |      |   |   |   |
| **SUPPLEMENTAL                                DETAIL***(continued)*                 |   |                                                                        |      |   |   |   |
|                                                                                |   |                                                                        |      |   |   |   |
| AVERAGE                                BALANCE SHEET                                |   |                                                                        |      |   |   |   |
|                                                                                |   |                                                                        |      |   |   |   |
| Average                                loans and leases                             |   |                                                                        | 1,038,231 |   |   |   | 1,029,689 |   |
| Average                                other earning assets                         |   |                                                                        | 165,717   |   |   |   | 145,463 |   |
| Average                                total earning assets                         |   |                                                                        | 1,203,948 |   |   |   | 1,175,152 |   |
| Average                                total assets                                 |   |                                                                        | 1,276,845 |   |   |   | 1,239,280 |   |
| Average                                non-interest bearing deposits                |   |                                                                        | 91,281    |   |   |   | 92,543 |   |
| Average                                total time deposits                          |   |                                                                        | 518,041   |   |   |   | 572,731 |   |
| Average                                other interest-bearing deposits              |   |                                                                        | 335,003   |   |   |   | 310,478 |   |
| Average                                total interest-bearing deposits              |   |                                                                        | 853,044   |   |   |   | 883,209 |   |
| Average                                borrowings                                   |   |                                                                        | 235,717   |   |   |   | 164,945 |   |
| Average                                interest-bearing liabilities                 |   |                                                                        | 1,088,761 |   |   |   | 1,048,154 |   |
| Average                                preferred equity                             |   |                                                                        | –   |   |   |   | – |   |
| Average                                common equity                                |   |                                                                        | 92,052    |   |   |   | 94,280 |   |
|                                                                                |   |                                                                        |      |   |   |   |   |   |
| ASSET                                QUALITY AND OTHER DATA                         |   |                                                                        |      |   |   |   |   |   |
|                                                                                |   |                                                                        |      |   |   |   |   |   |
| Non-accrual                                loans                                    |   |                                                                        | 13,226    |   |   |   | 23,594 |   |
| Renegotiated                                loans                                   |   |                                                                        | –   |   |   |   | – |   |
| Loans                                90+ days past due and still accruing           |   |                                                                        | 955       |   |   |   | 617 |   |
| Total                                non-performing loans                           |   |                                                                        | 14,181    |   |   |   | 24,211 |   |
| Other                                real estate owned                              |   |                                                                        | 2,699     |   |   |   | 865 |   |
| Total                                non-performing assets                          |   |                                                                        | 16,880    |   |   |   | 25,076 |   |
|                                                                                |   |                                                                        |      |   |   |   |   |   |
| ADDITIONAL                                DATA                                      |   |                                                                        |      |   |   |   |   |   |
|                                                                                |   |                                                                        |      |   |   |   |   |   |
| 1–                                4 family mortgage loans serviced for others |   |                                                                        | 231,460   |   |   |   | 245,772 |   |
| Proprietary                                mutual fund balances                     |   |                                                                        | –   |   |   |   | – |   |
| Fair                                value of securities held to maturity            |   |                                                                        | 1,698     |   |   |   | 3,799 |   |
| Full-time                                equivalent employees                       |   |                                                                        | 427       |   |   |   | 430 |   |
| Total                                number of full-service banking offices         |   |                                                                        | 37        |   |   |   | 35 |   |
| Total                                number of bank and thrift subsidiaries         |   |                                                                        | 1         |   |   |   | 1 |   |
| Total                                number of ATMs                                 |   |                                                                        | 42        |   |   |   | 40 |   |
|                                                                                |   |                                                                        |      |   |   |   |   |   |
| LOANS                                RECEIVABLE                                     |   |                                                                        |      |   |   |   |   |   |
|                                                                                |   |                                                                        |      |   |   |   |   |   |
| 1–                                4 family residential                        |   |                                                                        | 225,424   |   |   |   | 238,247 |   |
| Home                                equity                                          |   |                                                                        | 41,007    |   |   |   | 43,437 |   |
| Multi-family                                residential                             |   |                                                                        | 35,614    |   |   |   | 38,464 |   |
| Commercial                                real estate                               |   |                                                                        | 419,291   |   |   |   | 389,034 |   |
| Construction                                and land development                    |   |                                                                        | 58,385    |   |   |   | 53,962 |   |
| Commercial                                and other                                 |   |                                                                        | 157,187   |   |   |   | 152,401 |   |
| Consumer                                                                            |   |                                                                        | 100,847   |   |   |   | 109,768 |   |
| Credit                                cards                                         |   |                                                                        | 2,194     |   |   |   | 1,975 |   |
| Loans                                receivable – gross                       |   |                                                                        | 1,039,949 |   |   |   | 1,027,288 |   |
| Unearned                                interest                                    |   |                                                                        | –   |   |   |   | – |   |
| Loans                                receivable – net of unearned interest    |   |                                                                        | 1,039,949 |   |   |   | 1,027,288 |   |
| Allowance                                for losses on loans                        |   |                                                                        | (13,063   | ) |   |   | (13,706 | ) |
| Loans                                receivable – net (1)                     |   |                                                                        | 1,026,886 |   |   |   | 1,013,582 |   |

| (1) | Does                not include mortgage servicing                rights. |
|-----|---------------------------------------------------------------------------|

----

**Oak      Hill Financial, Inc.**

**SELECTED      CONSOLIDATED FINANCIAL      INFORMATION **

*(unaudited)*

|                                                                                                                                                              |   | At                                            or For the Three Months Ended March                                            31,   |    |
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|----------------------------------------------------------------------------------------------------------------------------------------------|---------|
| *(In                                            thousands, except share data)*                                                                                    |   | 2007                                                                                                                                         |    |   | 2006 |   |
|                                                                                                                                                              |   |                                                                                                                                         |    |   |   |   |
| **SUPPLEMENTAL                                            DETAIL***(continued)*                                                                                   |   |                                                                                                                                         |    |   |   |   |
|                                                                                                                                                              |   |                                                                                                                                         |    |   |   |   |
| DEPOSITS                                                                                                                                                          |   |                                                                                                                                         |    |   |   |   |
|                                                                                                                                                              |   |                                                                                                                                         |    |   |   |   |
| Transaction                                            accounts                                                                                                   |   |                                                                                                                                         |    |   |   |   |
|      Non-interest                                            bearing                                                                     |   |                                                                                                                                         | 98,534  |   |   |   | 91,788 |   |
|      Interest-bearing                                                                                                                    |   |                                                                                                                                         | 70,759  |   |   |   | 72,952 |   |
| Savings                                            accounts                                                                                                       |   |                                                                                                                                         | 49,824  |   |   |   | 60,439 |   |
| Money                                            market deposit accounts                                                                                          |   |                                                                                                                                         | 219,237 |   |   |   | 190,064 |   |
| Other                                            core interest-bearing                                                                                            |   |                                                                                                                                         | 382,668 |   |   |   | 431,226 |   |
|                                                        Total core deposit accounts                         |   |                                                                                                                                         | 821,022 |   |   |   | 849,469 |   |
| Brokered                                            deposits                                                                                                      |   |                                                                                                                                         | 42,469  |   |   |   | 63,189 |   |
| Non-core                                            interest-bearing                                                                                              |   |                                                                                                                                         | 98,296  |   |   |   | 67,996 |   |
| Total                                            deposits                                                                                                         |   |                                                                                                                                         | 961,787 |   |   |   | 980,654 |   |
|                                                                                                                                                              |   |                                                                                                                                         |    |   |   |   |   |   |
|                                                                                                                                                              |   |                                                                                                                                         |    |   |   |   |   |   |
| Yield/average                                            earning assets (fully-taxable equivalent)                                                                |   |                                                                                                                                         | 7.16    | % |   |   | 6.68 | % |
| Cost/average                                            earning assets                                                                                            |   |                                                                                                                                         | 3.92    | % |   |   | 3.20 | % |
| Net                                            interest income (fully-taxable equivalent)                                                                         |   |                                                                                                                                         | 3.24    | % |   |   | 3.48 | % |
|                                                                                                                                                              |   |                                                                                                                                         |    |   |   |   |   |   |
|                                                                                                                                                              |   |                                                                                                                                         |    |   |   |   |   |   |
|  NEW                                          MARKETS TAX CREDIT                                                                                             |   |                                                                                                                                         |    |   |   |   |   |   |
|                                                                                                                                                              |   |                                                                                                                                         |    |   |   |   |   |   |
|  Qualified                                          equity investment in Oak Hill Banks Community                                          Development Corp. |   |                                                                                                                                         | 20,000  |   |   |   | 20,000 |   |

|   |   | Aggregate |   |   |                                                                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |       |   |
|--------|--------|-----------|--------|--------|-----------------------------------------------------------------------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|--------|------------|--------|
|   |   | QEI       |   |   | New                                          Markets Tax Credit  |
| Year   |   | Amount    |   |   | 2006                                                                  |   |   | 2007   |   |   | 2008   |   |   | 2009   |   |   | 2010   |   |   | 2011  |
|   |   |      |   |   |                                                                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |       |   |
| 2004   |   |      | 10,000 |   |                                                                  |   | 500    |   |   |   | 600    |   |   |   | 600    |   |   |   | 600    |       |   |   | 600 |   |   |   |   |
| 2005   |   |      | 10,000 |   |                                                                  |   | 500    |   |   |   | 500    |   |   |   | 600    |   |   |   | 600    |       |   |   | 600 |   |   |   | 600  |
|   |   |      |   |   |                                                                  |   |   |   |   |   |   |   |   |   |   |   |   |   |   |       |   |   |   |   |   |   |   |   |
| Totals |   |      | 20,000 |   |                                                                  |   | 1,000  |   |   |   | 1,100  |   |   |   | 1,200  |   |   |   | 1,200  |       |   |   | 1,200 |   |   |   | 600  |