EXHIBIT 14



TRI-STATE 1ST BANC, INC.



CODE OF ETHICS

FOR

SENIOR FINANCIAL OFFICERS



This Code of Ethics for senior financial officers (Code of Ethics) applies to the principal executive officer, principal financial officer and corporate
secretary of Tri-State 1st Banc, Inc. (the Company) and its subsidiaries, 1stNational Community
Bank, (the Bank) and Gateminder Corporation, (Gateminder), as well as to any other person performing similar functions. This Code of Ethics has been adopted by the Companys Board of Directors and is effective as of
February 26, 2004.



The Company expects its senior financial officers, as well
as all of its directors and employees, to act in accordance with the highest standards of personal and professional integrity in all aspects of their activities, to comply with all applicable laws, rules and regulations, and to abide by the policies
and procedures adopted by the Company to govern the conduct of their employees. This Code of Ethics is intended to supplement the Banks employee Code of Conduct policy.



Each senior financial officer shall;



| |  | Engage in and promote honest and ethical conduct, including the ethical handling of actual or apparent conflicts of interest between personal and professional relationships.
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| |  | Avoid conflicts of interest and potential conflicts of interest and disclose to the Companys Ethics Officer or to the Audit Committee any transaction or relationship that
reasonably could be expected to give rise to such a conflict.
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| |  | Produce full, fair, accurate, timely, and understandable disclosure in reports and documents that the Company or its subsidiaries file with the Securities and Exchange Commission,
the Board of Governors of the Federal Reserve System (the Federal Reserve Board), the Office of the Comptroller of the Currency (the OCC), the Federal Deposit Insurance Corporation (the FDIC) and other regulators,
and in other public communications made by the Company or its subsidiaries.
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| |  | Act on the Companys behalf in a manner that complies with, and take all reasonable measures to ensure the Companys compliance with, all applicable governmental laws,
rules and regulations,
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| |  | Take all reasonable measures to protect the confidentiality of non-public information about the Company or its subsidiaries and their customers and consumers, to prevent the
unauthorized disclosure of such information unless required by applicable law or regulation or legal or regulatory process.
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| |  | Promptly report any violation of this Code of Ethics to the Audit Committee or the Ethics Officer. A senior financial officer may choose to remain anonymous in reporting possible
violations of this Code of Ethics. No adverse action will be taken against any person reporting such matters as the result of making such report.
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Tri-State 1stBanc, Inc.

Code of Ethics for Senior Financial Officers

Page 2.



The Companys senior financial
officers are on notice that they will be held accountable for their adherence to this Code of Ethics and that their continued employment by the Company depends on their full compliance with the policies stated in this Code. Violations of this Code
of Ethics may also constitute violations of law and may result in civil and criminal penalties for the officers and/or the Company.



Senior financial officers are prohibited from directly or indirectly taking any action to fraudulently influence, coerce, manipulate or mislead the Companys
independent public auditors for the purpose of rendering the financial statements of the Company misleading.



A Senior financial officer who becomes aware of inadequate controls or a failure or circumvention of controls, or that transactions, or other items, are improperly recorded on the Companys books or records, must
promptly report the situation to the Companys external auditor (SR Snodgrass A.C.) or to the Audit Committee.



A Senior financial officer who is concerned about an accounting or auditing matter involving the Company that he believes is questionable may report such matter either to
the Ethics Officer or by written report (which may be anonymous) to one of the non-employee members of the Companys Audit Committee. No adverse action will be taken against any person reporting such matters as the result of making such report.



Tri-State 1stBanc, Inc. will not make any loans to senior financial officers. Any loans made to senior financial officers by the Companys subsidiary, 1stNational Community Bank, will comply strictly with the provisions of Section 22(h) of the Federal Reserve Act, Regulation O of
the Federal Reserve Board, and applicable regulations of the FDIC and OCC.



This Code of Ethics will be periodically reviewed at least annually and revised, if necessary, to reflect changes in applicable law or regulation and to cover new ethical issues as they arise. The nature of any amendment to the Code of
Ethics shall be disclosed to the Companys stockholders by filing a Current Report on Form 8-K with the SEC.



The Boards of Directors of the Company have appointed a joint Ethics Officer (referred to herein as the Ethics Officer), who will be responsible for the
administration of the Code of Ethics for the Company. Any person who has questions regarding the appropriate course of action in a particular situation should promptly contact the Companys Ethics Officer.



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COMMITMENT OF COMPLIANCE WITH THE



TRI-STATE 1ST BANC, INC.



CODE OF ETHICS

FOR

SENIOR FINANCIAL OFFICERS



I acknowledge that I have received and read the Tri-State 1stBanc, Inc., Code of Ethics for senior financial officers, dated February 26, 2004, and understand my obligations as an employee to comply with the Code of Ethics.



I understand that my agreement to comply with the Code of Ethics does not constitute a
contract of employment.



Date:

_____________



(Signature)



(Name and Title)



This signed and completed form must be
returned to the Ethics Officer.