##### Table of Contents



UNITED STATES SECURITIES AND EXCHANGE COMMISSION
 WASHINGTON, D.C. 20549
 FORM 10-K
  þ
    
    ANNUAL REPORT PURSUANT TO SECTIONS 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
 For the fiscal year ended December 31, 2006
 OR
 o
    
    TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
 For the transition period from  to
 Commission File No . 0-21714
 CSB BANCORP, INC.
  Ohio
    
    34-1687530(State or other jurisdiction of incorporation or organization)
    
    (I.R.S. Employer Identification No.)91 North Clay Street, Millersburg, Ohio
    
    44654(Address of principal executive offices)
    
    (Zip code)
 (330) 674-9015
  Common Shares, $6.25 par value
  o þ
  o þ
  þ o
 þ
  o o þ
  o þ




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TABLE OF CONTENTS  PART IITEM 1. BUSINESSItem 1A. Risk FactorsItem 1B. Unresolved Staff CommentsITEM 2. PROPERTIESITEM 3. LEGAL PROCEEDINGSITEM 4. SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERSPART IIITEM 5. MARKET FOR REGISTRANTS COMMON EQUITY AND RELATED STOCKHOLDER MATTERSITEM 6. SELECTED FINANCIAL DATAITEM 7. MANAGEMENTS DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONSITEM 7A. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISKITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATAITEM 9. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSUREITEM 9A. CONTROLS AND PROCEDURESITEM 9B. OTHER INFORMATIONPART IIIITEM 10. DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCEITEM 11. EXECUTIVE COMPENSATIONITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDER MATTERSITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR INDEPENDENCEITEM 14. PRINCIPAL ACCOUNTANT FEES AND SERVICESPART IVITEM 15. EXHIBITS AND FINANCIAL STATEMENT SCHEDULESSIGNATURESINDEX TO EXHIBITSEX-13EX-21EX-23.1EX-23.2EX-31.1EX-31.2EX-32.1EX-32.2    Table of Contents   
 
   www.csb1.com
 www.sec.gov
 
 ITEM 1. BUSINESS.
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Item 1A. Risk Factors.
   
    
    Changes in interest rates
    
    New developments in the banking industry
    
    Regulatory actions
    
    Credit risk
    
    Economy
    
    Thinly traded stock
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##### Table of Contents



Item 1B. Unresolved Staff Comments.
  Statistical Disclosures
  I. Distribution of Assets, Liabilities and Stockholders Equity; Interest Rates and Interest
Differential
   II. Investment Portfolio
  (In thousands of dollars)
    
    2006
    
    
    2005
    
    
    2004Securities available-for-sale, at fair valueU.S. Treasury securities
    
    $
    100
    
    
    $
    99
    
    
    $
    134U.S. Government corporations and agencies
    
    
    32,917
    
    
    
    42,230
    
    
    
    39,214Mortgage-backed securities
    
    
    28,048
    
    
    
    27,006
    
    
    
    16,228Obligations of states and political subdivisions
    
    
    5,769
    
    
    
    8,633
    
    
    
    17,862Equity securities
    
    
    301
    
    
    
    305
    
    
    
    Total
    
    $
    67,135
    
    
    $
    78,273
    
    
    $
    73,438
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(In thousands of dollars)MaturingAfter One YearThrough Five
    
    After Five YearsOne Year or Less
    
    Years
    
    Through Ten Years
    
    After Ten Years
    
    TotalAmortized Cost
    
    Yield
    
    Amortized Cost
    
    Yield
    
    Amortized Cost
    
    Yield
    
    Amortized Cost
    
    Yield
    
    Amortized Cost
    
    YieldAvailable for sale:U.S. Treasury
    
    $
    100
    
    
    
    3.18
    %
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    $
    100
    
    
    
    3.18
    %U.S.
Government corporations and agencies
    
    
    2,000
    
    
    
    3.42
    
    
    $
    31,493
    
    
    
    4.36
    %
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    33,493
    
    
    
    4.30Mortgage-backed
securities
    
    
    37
    
    
    
    4.79
    
    
    
    1,017
    
    
    
    4.79
    
    
    $
    3,846
    
    
    
    4.41
    %
    
    $
    23,553
    
    
    
    5.07
    %
    
    
    28,453
    
    
    
    4.97Obligations of
states and
political
subdivisions
    
    
    871
    
    
    
    7.20
    
    
    
    4,796
    
    
    
    7.36
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    5,667
    
    
    
    7.34Total
    
    $
    3,008
    
    
    
    4.52
    %
    
    $
    37,306
    
    
    
    4.76
    %
    
    $
    3,846
    
    
    
    4.41
    %
    
    $
    23,553
    
    
    
    5.07
    %
    
    $
    67,713
    
    
    
    4.84
    %
   III. Loan Portfolio
  (In thousands of dollars)
    
    2006
    
    
    2005
    
    
    2004
    
    
    2003
    
    
    2002Commercial
    
    $
    55,513
    
    
    $
    69,922
    
    
    $
    77,231
    
    
    $
    73,559
    
    
    $
    74,907Commercial real estate
    
    
    72,707
    
    
    
    52,661
    
    
    
    43,744
    
    
    
    49,160
    
    
    
    41,665Residential real estate
    
    
    85,933
    
    
    
    78,722
    
    
    
    78,862
    
    
    
    72,944
    
    
    
    65,653Construction
    
    
    7,735
    
    
    
    2,120
    
    
    
    8,034
    
    
    
    5,503
    
    
    
    5,453Installment and credit card
    
    
    10,510
    
    
    
    11,539
    
    
    
    10,273
    
    
    
    12,251
    
    
    
    12,382Total loans
    
    $
    232,398
    
    
    $
    214,964
    
    
    $
    218,144
    
    
    $
    213,417
    
    
    $
    200,060
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MaturingOne Year
    
    
    One Through
    
    
    After Five(In thousands of dollars)
    
    or Less
    
    
    Five Years
    
    
    Years
    
    
    TotalCommercial
    
    $
    28,116
    
    
    $
    17,611
    
    
    $
    9,786
    
    
    $
    55,513Commercial real estate
    
    
    6,967
    
    
    
    8,932
    
    
    
    56,808
    
    
    
    72,707Construction
    
    
    1,446
    
    
    
    1,058
    
    
    
    5,231
    
    
    
    7,735Total
    
    $
    36,529
    
    
    $
    27,601
    
    
    $
    71,825
    
    
    $
    135,955
  (In thousands of dollars)
    
    Fixed Rate
    
    
    Variable RateTotal commercial, commercial real estate and construction
loans due after one year
    
    $
    10,572
    
    
    $
    88,854
   (In thousands of dollars)
    
    2006
    
    
    2005
    
    
    2004
    
    
    2003
    
    
    2002(a) Loans accounted for
on a nonaccrual basis
    
    $
    1,509
    
    
    $
    633
    
    
    $
    1,552
    
    
    $
    1,170
    
    
    $
    1,721(b) Accruing loans that
are contractually past
due 90 days or more as
to interest or principal
payments
    
    
    
    
    
    
    168
    
    
    
    119
    
    
    
    175
    
    
    
    Totals
    
    $
    1,509
    
    
    $
    801
    
    
    $
    1,671
    
    
    $
    1,345
    
    
    $
    1,721
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(In thousands of dollars)
    
    2006
    
    
    2005
    
    
    2004Balance of impaired loans at December 31
    
    $
    988
    
    
    $
    565
    
    
    $
    1,198Less portion for which no allowance for loan loss is allocated
    
    
    
    
    
    
    62
    
    
    
    Portion of impaired loan balance for which an allowance for
loan losses is allocated
    
    
    988
    
    
    
    503
    
    
    
    1,198Portion of allowance for loan losses allocated to the
impaired loan balance at December 31
    
    
    327
    
    
    
    174
    
    
    
    388
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IV. Summary Of Loan Loss Experience
  (In thousands of dollars)
    
    2006
    
    
    2005
    
    
    2004
    
    
    2003
    
    
    2002LOANSAverage loans outstanding
during period
    
    $
    225,445
    
    
    $
    220,655
    
    
    $
    216,864
    
    
    $
    209,231
    
    
    $
    181,147ALLOWANCE FOR LOAN LOSSESBalance at beginning of period
    
    $
    2,445
    
    
    $
    2,575
    
    
    $
    2,459
    
    
    $
    2,701
    
    
    $
    4,019Loans charged off:Commercial
    
    
    (9
    )
    
    
    (16
    )
    
    
    (95
    )
    
    
    (56
    )
    
    
    (429
    )Commercial real estate
    
    
    (123
    )
    
    
    (442
    )
    
    
    0
    
    
    
    (97
    )
    
    
    (342
    )Residential real estate
    
    
    (74
    )
    
    
    (16
    )
    
    
    (275
    )
    
    
    (70
    )
    
    
    (154
    )Installment and credit card
    
    
    (104
    )
    
    
    (102
    )
    
    
    (64
    )
    
    
    (115
    )
    
    
    (240
    )Total loans charged off
    
    
    (310
    )
    
    
    (576
    )
    
    
    (434
    )
    
    
    (338
    )
    
    
    (1,165
    )Recoveries of loans
previously charged off:Commercial
    
    
    20
    
    
    
    63
    
    
    
    61
    
    
    
    7
    
    
    
    244Commercial real estate
    
    
    80
    
    
    
    2
    
    
    
    0
    
    
    
    0
    
    
    
    0Residential real estate
    
    
    3
    
    
    
    33
    
    
    
    23
    
    
    
    70
    
    
    
    36Installment
    
    
    67
    
    
    
    67
    
    
    
    43
    
    
    
    70
    
    
    
    153Total loan recoveries
    
    
    170
    
    
    
    163
    
    
    
    127
    
    
    
    147
    
    
    
    433Net loans charged off
    
    
    (140
    )
    
    
    (413
    )
    
    
    (307
    )
    
    
    (191
    )
    
    
    (732
    )Provision charged to
operating expense
    
    
    302
    
    
    
    283
    
    
    
    423
    
    
    
    (51
    )
    
    
    (586
    )Balance at end of period
    
    $
    2,607
    
    
    $
    2,445
    
    
    $
    2,575
    
    
    $
    2,459
    
    
    $
    2,701Ratio of net charge-offs to
average loans outstanding for
period
    
    
    .06
    %
    
    
    .19
    %
    
    
    .14
    %
    
    
    .09
    %
    
    
    .40
    %
  
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##### Table of Contents



 Allocation of the
Allowance for Loan Losses (In thousands of dollars)Percentage of
    
    
    
    
    
    Percentage of
    
    
    
    
    
    Percentage of
    
    
    
    
    
    Percentage of
    
    
    
    
    
    Percentage ofLoans in
    
    
    
    
    
    Loans in
    
    
    
    
    
    Loans in
    
    
    
    
    
    Loans in
    
    
    
    
    
    Loans inEach
    
    
    
    
    
    Each
    
    
    
    
    
    Each
    
    
    
    
    
    Each
    
    
    
    
    
    EachAllowance
    
    Category to
    
    Allowance
    
    Category to
    
    
    
    
    
    Category to
    
    Allowance
    
    Category to
    
    Allowance
    
    Category toAmount
    
    Total Loans
    
    Amount
    
    Total Loans
    
    Allowance Amount
    
    Total Loans
    
    Amount
    
    Total Loans
    
    Amount
    
    Total LoansDecember 31, 2006
    
    December 31, 2005
    
    December 31, 2004
    
    December 31, 2003
    
    December 31, 2002Commercial
    
    $
    967
    
    
    
    23.89
    %
    
    $
    936
    
    
    
    32.52
    %
    
    $
    1,256
    
    
    
    35.41
    %
    
    $
    741
    
    
    
    34.47
    %
    
    $
    809
    
    
    
    37.44
    %Commercial real
estate
    
    
    1,041
    
    
    
    31.28
    
    
    
    763
    
    
    
    24.50
    
    
    
    765
    
    
    
    20.05
    
    
    
    759
    
    
    
    23.03
    
    
    
    908
    
    
    
    20.82Residential real
estate
    
    
    379
    
    
    
    36.98
    
    
    
    278
    
    
    
    36.62
    
    
    
    261
    
    
    
    36.15
    
    
    
    768
    
    
    
    34.18
    
    
    
    491
    
    
    
    32.82Construction
    
    
    22
    
    
    
    3.33
    
    
    
    4
    
    
    
    .99
    
    
    
    18
    
    
    
    3.68
    
    
    
    30
    
    
    
    2.58
    
    
    
    35
    
    
    
    2.73Installment and
credit card
    
    
    32
    
    
    
    4.52
    
    
    
    36
    
    
    
    5.37
    
    
    
    22
    
    
    
    4.71
    
    
    
    70
    
    
    
    5.74
    
    
    
    231
    
    
    
    6.19Unallocated
    
    
    166
    
    
    
    
    
    
    
    428
    
    
    
    
    
    
    
    253
    
    
    
    
    
    
    
    91
    
    
    
    
    
    
    
    227Total
    
    $
    2,607
    
    
    
    100.00
    %
    
    $
    2,445
    
    
    
    100.00
    %
    
    $
    2,575
    
    
    
    100.00
    %
    
    $
    2,459
    
    
    
    100.00
    %
    
    $
    2,701
    
    
    
    100.00
    %
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V. Deposits
  Average
    
    
    AverageAmounts Outstanding
    
    
    Rate PaidYear ended December 31
    
    
    Year ended December 312006
    
    
    2005
    
    
    2004
    
    
    2006
    
    
    2005
    
    
    2004(In thousands of dollars)Noninterest-bearing demand
    
    $
    38,938
    
    
    $
    37,855
    
    
    $
    34,310
    
    
    
    N/A
    
    
    
    N/A
    
    
    
    N/AInterest-bearing demand
deposits
    
    
    46,096
    
    
    
    49,021
    
    
    
    48,042
    
    
    
    .50
    %
    
    
    .39
    %
    
    
    .22
    %Savings deposits
    
    
    41,528
    
    
    
    44,759
    
    
    
    42,904
    
    
    
    .99
    
    
    
    .80
    
    
    
    .44Time deposits
    
    
    120,981
    
    
    
    117,372
    
    
    
    116,418
    
    
    
    3.95
    
    
    
    3.05
    
    
    
    2.53Total deposits
    
    $
    247,543
    
    
    $
    249,007
    
    
    $
    241,674
  D.
    
    The following is a schedule of maturities of time certificates of deposit in amounts of
$100,000 or more as of December 31, 2006:
 (In thousands of dollars)Three months or less
    
    $
    11,196Over three through six months
    
    
    8,331Over six through twelve months
    
    
    9,016Over twelve months
    
    
    3,762Total
    
    $
    32,305
  VI. Return On Equity and Assets
 2006
    
    
    2005
    
    
    2004Return on average assets
    
    
    0.97
    %
    
    
    0.91
    %
    
    
    0.81
    %Return on average shareholders equity
    
    
    8.95
    
    
    
    7.92
    
    
    
    7.15Dividend payout ratio
    
    
    51.89
    
    
    
    51.47
    
    
    
    54.44Average shareholders equity to average assets
    
    
    10.87
    
    
    
    11.46
    
    
    
    11.31
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VII. Short-Term Borrowings
  (In thousands of dollars)
    
    2006
    
    
    2005
    
    
    2004Securities sold under agreements to repurchase,
federal funds purchased and short-term advances at
period-end
    
    $
    28,022
    
    
    $
    21,418
    
    
    $
    18,316Weighted average interest rate at period-end
    
    
    3.71
    %
    
    
    1.54
    %
    
    
    .88
    %Maximum outstanding at any month-end during the year
    
    
    41,468
    
    
    
    29,467
    
    
    
    31,704Average amount outstanding
    
    
    32,974
    
    
    
    20,243
    
    
    
    21,360Weighted average rates during the year
    
    
    3.84
    %
    
    
    1.64
    %
    
    
    .85
    %
 13




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ITEM 2. PROPERTIES.
  Banking
    
    OtherLocation
    
    Center
    
    Property
    
    Address
    
    Owned
    
    LeasedMillersburg
    
    X
    
    
    
    6 West Jackson Street, Millersburg, Ohio 44654
    
    XWalnut Creek
    
    X
    
    
    
    4980 Old Pump Street, Walnut Creek, Ohio 44687
    
    XWinesburg
    
    X
    
    
    
    2225 U.S. 62, Winesburg, Ohio 44690
    
    XSugarcreek
    
    X
    
    
    
    127 South Broadway, Sugarcreek, Ohio 44681
    
    XCharm
    
    X
    
    
    
    4440 C.R.70, Charm, Ohio 44617
    
    
    
    XClinton Commons
    
    X
    
    
    
    2102 Glen Drive, Millersburg, Ohio 44654
    
    
    
    XBerlin
    
    X
    
    
    
    4587 S.R.39 Suite B, Berlin, Ohio 44610
    
    
    
    XSouth Clay
    
    X
    
    
    
    91 South Clay Street, Millersburg, Ohio 44654
    
    XShreve
    
    X
    
    
    
    333 West South Street, Shreve, Ohio 44676
    
    XOrrville*
    
    X
    
    
    
    461 Wadsworth Road, Orrville, Ohio 44667
    
    
    
    XOperations Center
    
    
    
    X
    
    91North Clay Street, Millersburg, Ohio 44654
    
    XWooster Trust
    
    
    
    X
    
    146 East Liberty Street, Wooster, Ohio 44691
    
    
    
    X
 
   
 ITEM 3. LEGAL PROCEEDINGS.
  
 ITEM 4. SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS.
  14




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PART II
 
 ITEM 5. MARKET FOR REGISTRANTS COMMON EQUITY AND RELATED STOCKHOLDER MATTERS.
  Equity Compensation Plan Information
 Number of sharesNumber of shares of
    
    
    
    
    
    remaining available forcommon stock to be issued
    
    Weighted-average exercise
    
    future issuance underupon exercise of
    
    price of outstanding
    
    equity compensation plansoutstanding options,
    
    options, warrants, and
    
    (excluding securitieswarrants and rights
    
    rights
    
    reflected in column (a))(a)
    
    (b)
    
    (c)Equity compensation
plans
approved by
stockholders
    
    
    41,245
    
    
    $
    17.60
    
    
    
    158,755Equity compensation
plans not approved
by stockholders
    
    
    10,000
    
    
    
    17.75
    
    
    
    0Total
    
    
    51,245
    
    
    $
    17.63
    
    
    
    158,755
 ISSUER PURCHASES OF EQUITY SECURITIES
 MaximumNumber ofTotal Number of Shares
    
    Shares thatPurchased as Part of
    
    May Yet beTotal Number of
    
    Average Price
    
    Publicly Announced
    
    PurchasedPeriod
    
    Shares Purchased
    
    Paid Per Share
    
    Plans
    
    Under the PlanOctober 1, 2006 to
October 31, 2006
    
    
    70.5126
    
    
    $
    19.05
    
    
    
    70.5126
    
    
    
    118,933November 1, 2006 to
November 30, 2006
    
    
    105.4649
    
    
    $
    19.00
    
    
    
    105.4649
    
    
    
    118,828December 1, 2006 to
December 31, 2006
    
    
    118.7541
    
    
    $
    18.35
    
    
    
    118.7541
    
    
    
    118,709
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PERFORMANCE GRAPH
  2001
    
    
    2002
    
    
    2003
    
    
    2004
    
    
    2005
    
    
    2006CSBB
    
    $
    100.00
    
    
    $
    108.84
    
    
    $
    118.54
    
    
    $
    145.85
    
    
    $
    154.56
    
    
    $
    144.42S & P 500
    
    
    100.00
    
    
    
    76.63
    
    
    
    96.85
    
    
    
    105.56
    
    
    
    108.73
    
    
    
    123.54NASDAQ Bank
    
    
    100.00
    
    
    
    104.52
    
    
    
    135.80
    
    
    
    150.73
    
    
    
    144.20
    
    
    
    160.07
 Performance
Graph
 
 
 ITEM 6. SELECTED FINANCIAL DATA.
  
 ITEM 7. MANAGEMENTS DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF
OPERATIONS.
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##### Table of Contents



ITEM 7A. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK.
  
 ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA.
  
 ITEM 9. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL
DISCLOSURE.
  
 ITEM 9A. CONTROLS AND PROCEDURES.





ITEM 9B. OTHER INFORMATION.




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##### Table of Contents



PART III
 
 ITEM 10. DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE.
   www.csb1.com
 
 ITEM 11. EXECUTIVE COMPENSATION.
 Compensation Discussion and Analysis Executive Compensation
and Other Information EMPLOYMENT CONTRACTS and Other Arrangements Potential Payments Upon Termination or Change in Control
 
 ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED
STOCKHOLDER MATTERS.
  
 ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR INDEPENDENCE.
  
 ITEM 14. PRINCIPAL ACCOUNTANT FEES AND SERVICES.
  18




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##### Table of Contents



PART IV
 
 ITEM 15. EXHIBITS AND FINANCIAL STATEMENT SCHEDULES
  ExhibitNumber
    
    Description of Document3.1
    
    Amended Articles of Incorporation of CSB Bancorp, Inc.
(incorporated by reference to Registrants 1994 Form
10-KSB)3.1.1
    
    Amended form of Article Fourth of Amended Articles of
Incorporation, as effective April 9, 1998 (incorporated by
reference to Registrants 1998 Form 10-K)3.2
    
    Code of Regulations of CSB Bancorp, Inc. (incorporated by
reference to Registrants Form 10-SB)4
    
    Form of Certificate of Common Shares of CSB Bancorp, Inc.
(incorporated by reference to Registrants Form 10-SB)10.1
    
    Leases for the Clinton Commons, Berlin and Charm Branch
Offices of The Commercial and Savings Bank (incorporated by
reference to Registrants Form 10-SB)10.2
    
    Third Amendment to Employment Agreement between CSB
Bancorp, Inc. and C. James Bess (incorporated by reference
to Registrants Form 10-Q filed May 13, 2003)10.3
    
    Employment Agreement between CSB Bancorp, Inc. and John J.
Limbert (incorporated by reference to Registrants Form 8-K
filed May 22, 2003)13
    
    CSB Bancorp, Inc. 2006 Annual Report to Shareholders21
    
    Subsidiaries of CSB Bancorp, Inc.23.1
    
    Consent of S.R. Snodgrass A.C.23.2
    
    Consent of Clifton Gunderson LLP31.1
    
    Section 302 Certification of Chief Executive Officer31.2
    
    Section 302 Certification of Chief Financial Officer32.1
    
    Section 906 Certification of Chief Executive Officer32.2
    
    Section 906 Certification of Chief Financial Officer
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##### Table of Contents



CSB BANCORP, INC./s/  Eddie L. SteinerDate: March 23, 2007
    Eddie L. Steiner, President and Chief Executive Officer  Signatures
    
    Title/s/ Eddie L. Steiner

Eddie L. Steiner
    
    President and Chief Executive Officer/s/ Paula J. Meiler

Paula J. Meiler
    
    Senior Vice President and Chief Financial Officer/s/ Pamela S. Basinger

Pamela S. Basinger
    
    Vice President and Principal Accounting Officer/s/ Robert K. Baker

Robert K. Baker
    
    Director/s/ Ronald E. Holtman

Ronald E. Holtman
    
    Director/s/ J. Thomas Lang

J. Thomas Lang
    
    Director/s/ Daniel J. Miller

Daniel J. Miller
    
    Director/s/ Jeffery A. Robb, Sr.

Jeffery A. Robb, Sr.
    
    Director/s/ Samuel M. Steimel

Samuel M. Steimel
    
    Director/s/ John R. Waltman

John R. Waltman
    
    Director
 20




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##### Table of Contents



Exhibit
    
    
    
    SequentialNumber
    
    Description of Document
    
    Page3.1
    
    Amended Articles of Incorporation of CSB Bancorp,
Inc. (incorporated by reference to Registrants
1994 Form 10-KSB)
    
    N/A3.1.1
    
    Amended form of Article Fourth of Amended Articles
of Incorporation, as effective April 9, 1998
(incorporated by reference to Registrants 1998
Form 10-K).
    
    N/A3.2
    
    Code of Regulations of CSB Bancorp, Inc.
(incorporated by reference to Registrants Form
10-SB).
    
    N/A4
    
    Form of Certificate of Common Shares of CSB
Bancorp, Inc. (incorporated by reference to
Registrants Form 10-SB).
    
    N/A10.1
    
    Leases for the Clinton Commons, Berlin and Charm
Branch Offices of The Commercial and Savings Bank
(incorporated by reference to Registrants Form
10-SB).
    
    N/A10.2
    
    Third Amendment to Employment Agreement between CSB
Bancorp, Inc. and C. James Bess (incorporated by
reference to Registrants Form 10-Q filed May 13,
2003)
    
    N/A10.3
    
    Employment Agreement between CSB Bancorp, Inc. and
John J. Limbert (incorporated by reference to
Registrants Form 8-K filed May 22, 2003)
    
    N/A13
    
    CSB Bancorp, Inc. 2006 Annual Report to Shareholders
    
    N/A21
    
    Subsidiaries of CSB Bancorp, Inc.
    
    N/A23.1
    
    Consent of S.R. Snodgrass A.C.
    
    N/A23.2
    
    Consent of Clifton Gunderson LLP
    
    N/A31.1
    
    Section 302 Certification of Chief Executive Officer
    
    N/A31.2
    
    Section 302 Certification of Chief Financial Officer
    
    N/A32.1
    
    Section 906 Certification of Chief Executive Officer
    
    N/A32.2
    
    Section 906 Certification of Chief Financial Officer
    
    N/A
 21