<SEC-DOCUMENT>0000905729-20-000152.txt : 20200617
<SEC-HEADER>0000905729-20-000152.hdr.sgml : 20200617
<ACCEPTANCE-DATETIME>20200617161515
ACCESSION NUMBER:		0000905729-20-000152
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20200617
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20200617
DATE AS OF CHANGE:		20200617

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CHOICEONE FINANCIAL SERVICES INC
		CENTRAL INDEX KEY:			0000803164
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				382659066
		STATE OF INCORPORATION:			MI
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-39209
		FILM NUMBER:		20969886

	BUSINESS ADDRESS:	
		STREET 1:		109 E DIVISION
		STREET 2:		P O BOX 186
		CITY:			SPARTA
		STATE:			MI
		ZIP:			49345-0186
		BUSINESS PHONE:		6168877366

	MAIL ADDRESS:	
		STREET 1:		109 EAST DIVISION
		STREET 2:		P O BOX 186
		CITY:			SPARTA
		STATE:			MI
		ZIP:			49345-0186

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	1ST COMMUNITY BANCORP INC
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>choice8k_061720.htm
<DESCRIPTION>CHOICEONE FORM 8-K
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 14pt"><B>UNITED STATES<BR>
SECURITIES AND EXCHANGE COMMISSION<BR>
</B></FONT><B>Washington, D.C. 20549</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0; text-align: center"><B>FORM 8-K</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0; text-align: center"><B>CURRENT REPORT</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0; text-align: center">Pursuant to Section 13 or 15(d) of the<BR>
Securities Exchange Act of 1934</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0; text-align: center">Date of Report (Date of earliest event reported):
<B>June 17, 2020</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0; text-align: center"><B>ChoiceOne Financial Services, Inc.</B><BR>
(Exact Name of Registrant as<BR>
Specified in its Charter)</P>

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    <TD STYLE="width: 32%; padding-top: 5pt; padding-bottom: 5pt; text-align: center; layout-grid-mode: line"><B>Michigan</B><BR>
(State or Other Jurisdiction<BR>
of Incorporation)</TD>
    <TD STYLE="width: 26%; padding-top: 5pt; padding-bottom: 5pt; text-align: center; layout-grid-mode: line"><B>000-19202</B><BR>
(Commission<BR>
File Number)</TD>
    <TD STYLE="width: 31%; padding-top: 5pt; padding-bottom: 5pt; text-align: center; layout-grid-mode: line"><B>38-2659066</B><BR>
(IRS Employer<BR>
Identification No.)</TD>
    <TD STYLE="width: 5%; padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</TD></TR>
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 49%; text-align: center; layout-grid-mode: line"><B>109 E. Division Street<BR>
Sparta, Michigan</B><BR>
(Address of Principal Executive Offices)</TD>
    <TD STYLE="width: 17%; padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</TD>
    <TD STYLE="width: 29%; padding-top: 5pt; padding-bottom: 5pt; text-align: center; layout-grid-mode: line"><BR>
<B>49345</B><BR>
(Zip Code)</TD>
    <TD STYLE="width: 5%; padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0 0; text-align: center">Registrant&rsquo;s telephone number, including
area code: <B>(616) 887-7366</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 5pt">Check the appropriate box below if the Form 8-K filing is
intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction
A.2. below):</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0"><FONT STYLE="font-family: Wingdings">&#253;</FONT> Written communications
pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0"><FONT STYLE="font-family: Wingdings">o</FONT> Soliciting material
pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0"><FONT STYLE="font-family: Wingdings">o</FONT> Pre-commencement
communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0"><FONT STYLE="font-family: Wingdings">o</FONT> Pre-commencement
communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0 0">Securities registered pursuant to Section 12(b) of the Act:</P>

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    <TD STYLE="width: 26%; border: Black 1pt solid; padding-top: 5pt; padding-right: 5.4pt; padding-left: 5.4pt; layout-grid-mode: line">Title of each class</TD>
    <TD STYLE="width: 24%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 5pt; padding-right: 5.4pt; padding-left: 5.4pt; layout-grid-mode: line">Trading symbol(s)</TD>
    <TD STYLE="width: 50%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 5pt; padding-right: 5.4pt; padding-left: 5.4pt; layout-grid-mode: line">Name of each exchange on which registered</TD></TR>
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    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-top: 5pt; padding-right: 5.4pt; padding-left: 5.4pt; layout-grid-mode: line">Common stock</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 5pt; padding-right: 5.4pt; padding-left: 5.4pt; layout-grid-mode: line">COFS</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-top: 5pt; padding-right: 5.4pt; padding-left: 5.4pt; layout-grid-mode: line">NASDAQ Capital Market</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">Indicate by check mark whether the registrant is an emerging growth
company as defined in Rule 405 of the Securities Act of 1933 (&sect;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange
Act of 1934 (&sect;240.12b-2 of this chapter).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: right">Emerging growth company <FONT STYLE="font-family: Wingdings">o</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0">If an emerging growth company, indicate by check mark if the
registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards
provided pursuant to Section 13(a) of the Exchange Act. <FONT STYLE="font-family: Wingdings">o</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0"><FONT STYLE="font-family: Wingdings"></FONT></P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 13%; text-align: justify; layout-grid-mode: line"><B>Item 8.01</B></TD>
    <TD STYLE="width: 87%; text-align: justify; layout-grid-mode: line"><B>Other Events.</B></TD></TR>
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0; text-align: justify; text-indent: 0.5in">On June 17, 2020,
ChoiceOne Financial Services, Inc. (&quot;ChoiceOne&quot;) and Community Shores Bank Corporation (&quot;Community Shores&quot;)
issued a joint press release announcing that Community Shores' shareholders have approved the merger of Community Shores with
and into ChoiceOne (the &quot;Merger&quot;) pursuant to the Agreement and Plan of Merger dated as of January 3, 2020. A copy of
this press release is attached to this report as Exhibit 99.1 and is incorporated herein by reference.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><U>Forward-Looking Statements </U></B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify">This report may contain forward-looking
statements. Words such as &ldquo;anticipates,&rdquo; &ldquo;believes,&rdquo; &ldquo;estimates,&rdquo; &ldquo;expects,&rdquo; &ldquo;forecasts,&rdquo;
&ldquo;intends,&rdquo; &ldquo;is likely,&rdquo; &ldquo;plans,&rdquo; &ldquo;predicts,&rdquo; &ldquo;projects,&rdquo; &ldquo;may,&rdquo;
&ldquo;could,&rdquo; &ldquo;look forward,&rdquo; &ldquo;continue&rdquo;, &ldquo;future&rdquo; and variations of such words and
similar expressions are intended to identify such forward-looking statements. These statements reflect current beliefs as to the
expected outcomes of future events and are not guarantees of future performance. These statements involve certain risks, uncertainties
and assumptions (&ldquo;risk factors&rdquo;) that are difficult to predict with regard to timing, extent, likelihood and degree
of occurrence. Therefore, actual results and outcomes may materially differ from what may be expressed, implied or forecasted in
such forward-looking statements. Furthermore, neither ChoiceOne nor Community Shores undertake any obligation to update, amend,
or clarify forward-looking statements, whether as a result of new information, future events, or otherwise. Such risks, uncertainties
and assumptions, include, among others, the following:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">the impacts of the global coronavirus outbreak (COVID-19), in particular in the United States and
Michigan;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">the failure of Community Shores to satisfy any of the remaining closing conditions to the transaction,
on a timely basis or at all;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">the occurrence of any event, change or other circumstances that could give rise to the right of
one or both of the parties to terminate the merger agreement;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">the possibility that the anticipated benefits of the transaction, including anticipated cost savings
and strategic gains, are not realized when expected or at all, including as a result of the impact of, or problems arising from,
the integration of the two companies or as a result of the strength of the economy, competitive factors in the areas where ChoiceOne
and Community Shores do business, or as a result of other unexpected factors or events;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">the impact of purchase accounting with respect to the transaction, or any change in the assumptions
used regarding the assets purchased and liabilities assumed to determine their fair value;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">diversion of management&rsquo;s attention from ongoing business operations and opportunities;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">potential adverse reactions or changes to business or employee relationships, including those resulting
from the announcement or completion of the transaction; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: justify">the outcome of any legal proceedings that may be instituted against ChoiceOne or Community Shores.</TD></TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Additional risk factors include, but are not
limited to, the risk factors described in ChoiceOne's Registration Statement on Form S-4 (file no. 333-237227), Item 1A in ChoiceOne
Financial Services, Inc.&rsquo;s Annual Report on Form 10-K for the year ended December 31, 2019 and in Item 1A in ChoiceOne Financial
Service, Inc.'s Quarterly Report on Form 10-Q for the quarter ended March 31, 2020.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; layout-grid-mode: line"><B>Item 9.01</B></TD>
    <TD COLSPAN="3" STYLE="text-align: justify; layout-grid-mode: line"><B>Financial Statements and Exhibits.</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; layout-grid-mode: line">&nbsp;</TD>
    <TD STYLE="text-align: justify; layout-grid-mode: line">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: justify; layout-grid-mode: line">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; layout-grid-mode: line">&nbsp;</TD>
    <TD STYLE="text-align: justify; layout-grid-mode: line">(d)</TD>
    <TD COLSPAN="2" STYLE="text-align: justify; layout-grid-mode: line">Exhibits:</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; layout-grid-mode: line">&nbsp;</TD>
    <TD STYLE="text-align: justify; layout-grid-mode: line">&nbsp;</TD>
    <TD STYLE="text-align: justify; layout-grid-mode: line">&nbsp;</TD>
    <TD STYLE="text-align: justify; layout-grid-mode: line">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 13%; text-align: justify; layout-grid-mode: line">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: justify; layout-grid-mode: line">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: justify; layout-grid-mode: line"><A HREF="choiceex991_061720.htm">99.1</A></TD>
    <TD STYLE="width: 71%; text-align: justify; layout-grid-mode: line"><A HREF="choiceex991_061720.htm">Press Release dated June 17, 2020</A>.&nbsp;&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0; text-align: center"><B></B></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0; text-align: center"><B>SIGNATURES</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0; text-align: justify; text-indent: 1in">Pursuant to the requirements
of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned
hereunto duly authorized.</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">Dated:</TD>
    <TD STYLE="padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">June 17, 2020</TD>
    <TD COLSPAN="2" STYLE="padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">CHOICEONE FINANCIAL SERVICES, INC.<BR>
(Registrant)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%; padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</TD>
    <TD STYLE="width: 42%; padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</TD>
    <TD STYLE="width: 6%; padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</TD>
    <TD STYLE="width: 44%; padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">/s/ Thomas L. Lampen</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">Thomas L. Lampen<BR>
Its Treasurer</TD></TR>
</TABLE>
<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 5pt 0">&nbsp;</P>



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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>choiceex991_061720.htm
<DESCRIPTION>CHOICEONE PRESS RELEASE
<TEXT>
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<P STYLE="text-align: center; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>EXHIBIT
99.1</B></FONT></P>

<P STYLE="text-align: left; margin-top: 0; margin-bottom: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="text-align: center; margin-top: 0; margin-bottom: 0">&nbsp;<IMG SRC="choicecsblogo.jpg" ALT="" STYLE="width: 509px; height: 90px"></P>

<P STYLE="text-align: left; margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="text-align: left; margin-top: 0; margin-bottom: 0"></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>For Immediate
Release</B></FONT></P>

<P STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; text-decoration: none">&nbsp;</FONT></P>

<P STYLE="font: 11pt Calibri, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 13pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Community
Shores Bank Corporation</B></FONT></P>

<P STYLE="font: 13pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Receives
Shareholder Approval for Merger with ChoiceOne Financial Services, Inc.</B></FONT></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: #FEFEFE"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">SPARTA,
Mich. and MUSKEGON, Mich., June 17, 2020<FONT STYLE="letter-spacing: 0.6pt; background-color: white">/PRNewswire/ </FONT>&ndash;
ChoiceOne Financial Services, Inc. (<FONT STYLE="background-color: white">NASDAQ:</FONT> COFS) (&ldquo;<U>ChoiceOne</U>&rdquo;)
and Community Shores Bank Corporation <FONT STYLE="background-color: white">(OTC Pink: CSHB) </FONT>(&ldquo;<U>Community Shores</U>&rdquo;)
jointly announced that at a special meeting held today, Community Shores&rsquo; shareholders approved the proposed Agreement and
Plan of Merger (the &ldquo;<U>Merger Agreement</U>&rdquo;) providing for the merger of Community Shores with and into ChoiceOne.&nbsp;The
merger remains subject to the satisfaction of certain other customary closing conditions. The combined organization will be headquartered
in Sparta, Michigan. ChoiceOne Bank and Community Shores Bank are expected to be consolidated in the fourth quarter of this year
and the consolidated bank will operate under the ChoiceOne Bank name.</FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: #FEFEFE"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The merger
is a stock and cash transaction and will create an approximate $1.7 billion-asset bank holding company with 33 offices in West
and Southeastern Michigan, remaining as the 12<SUP>th</SUP> largest bank holding company in Michigan based on asset size.</FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25in"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">ChoiceOne
is currently an approximately $1.5 billion-asset bank holding company with 29 offices serving West and Southeastern Michigan.
Community Shores is currently an approximately $220 million-asset bank holding company with four offices serving Muskegon and
Ottawa Counties.</FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 0.25in; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&ldquo;Community
Shores received strong shareholder support for this partnership,&rdquo; said ChoiceOne Chief Executive Officer Kelly Potes. &quot;The
positive shareholder response we received today validates the substantial opportunity we see for our collective communities, customers,
and employees while adding significant value for the shareholders of our two organizations. We believe our combined companies
will result in one exceptional company presenting efficiencies and new growth opportunities in our expanded network across Michigan.&rdquo;</FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&ldquo;Our
shareholders gave us an impressive vote of confidence today,&rdquo; <FONT STYLE="background-color: white">said Community Shores
Chairman of the Board Gary Bogner. &ldquo;</FONT>Both ChoiceOne Bank and Community Shores Bank have deep roots in West Michigan.
This merger will enhance our impact on the local community, as well as combine our service cultures and ChoiceOne&rsquo;s advancements
in products and technology to better serve our customers.&rdquo;</FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: white"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&ldquo;We
are very pleased to join forces with ChoiceOne<FONT STYLE="background-color: white">,&rdquo; </FONT>said Community Shores President
and Chief Executive Officer Heather Brolick. &ldquo;ChoiceOne is a like-minded community bank with a vision to be the best bank
in Michigan. With our similar cultures, values and commitments to our local communities, we expect limited overlap and disruption.
This transaction will allow both organizations to better serve our diverse population in Muskegon and Ottawa Counties.&rdquo;</FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"></FONT></P>

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<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Upon consolidation
of ChoiceOne Bank and Community Shores Bank, ChoiceOne is pleased to announce that Brent McCarthy, Senior Vice President and Chief
Lending Officer of Community Shores, will serve as the Muskegon Market Executive for ChoiceOne Bank and Heather Brolick, President
and Chief Executive Officer of Community Shores, will serve as the Chief Human Resources Officer for ChoiceOne Bank. Upon consolidation
of ChoiceOne Bank and Community Shores Bank, Community <FONT STYLE="background-color: white">Shores director John Essex Jr. will
be named to the ChoiceOne Bank Board of Directors. </FONT></FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; background-color: #FEFEFE"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&ldquo;Our
priorities for the future will build on the momentum our organizations have set in place over the years,&rdquo; said ChoiceOne
Chairman of the Board, Paul Johnson. &ldquo;Given the coronavirus pandemic we are experiencing, we believe our additional scale
continues to be a great asset as we help our customers navigate these unprecedented times. With Community Shores serving their
customers for over 20 years and ChoiceOne serving its customers for over 120 years, we will maintain the strength and resilience
both companies have built over the years and look forward to growth in our new markets as we bridge the east and west sides of
Michigan.&rdquo;</FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 11pt/112% Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>About
ChoiceOne</B></FONT></P>

<P STYLE="font: 11pt/112% Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; background-color: white">ChoiceOne
Financial Services, Inc. is a financial holding company headquartered in Sparta, Michigan and the parent corporation of ChoiceOne
Bank. Member FDIC. ChoiceOne Bank operates 29 offices in parts of Kent, Ottawa, Muskegon, Newaygo, Lapeer, St. Clair and Macomb
counties.&nbsp; ChoiceOne Bank offers insurance and investment products through its subsidiary, ChoiceOne Insurance Agencies,
Inc. ChoiceOne Financial Services, Inc. common stock is quoted on the Nasdaq Capital Market under the symbol &ldquo;COFS.&rdquo;
For more information, please visit Investor Relations at ChoiceOne&rsquo;s website at&nbsp;choiceone.com.</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><BR>
<BR></FONT></P>

<P STYLE="font: 11pt/112% Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; background-color: white"><B>About
Community Shores Bank Corporation</B></FONT></P>

<P STYLE="font: 11pt/112% Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; background-color: white">Community
Shores Bank Corporation is the bank holding company of Community Shores Bank, the only independent community bank with headquarters
in Muskegon, Michigan. The bank serves businesses and consumers in the western Michigan counties of Muskegon and Ottawa from four
branch offices.</FONT> <FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">For more information, please visit Investor Relations
at Community Shores&rsquo; website at <U>https://communityshores.com/investor-relations/</U>.</FONT></P>

<P STYLE="font: 11pt/112% Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 11pt/112% Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 11pt/112% Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><U></U></B></FONT></P>

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<P STYLE="font: 11pt/112% Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><U>Forward-Looking
Statements</U></B></FONT></P>

<P STYLE="font: 11pt/112% Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">This
release may contain forward-looking statements. Words such as &ldquo;anticipates,&rdquo; &ldquo;believes,&rdquo; &ldquo;estimates,&rdquo;
&ldquo;expects,&rdquo; &ldquo;forecasts,&rdquo; &ldquo;intends,&rdquo; &ldquo;is likely,&rdquo; &ldquo;plans,&rdquo; &ldquo;predicts,&rdquo;
&ldquo;projects,&rdquo; &ldquo;may,&rdquo; &ldquo;could,&rdquo; &ldquo;look forward,&rdquo; &ldquo;continue&rdquo;, &ldquo;future&rdquo;
and variations of such words and similar expressions are intended to identify such forward-looking statements. These statements
reflect current beliefs as to the expected outcomes of future events and are not guarantees of future performance. These statements
involve certain risks, uncertainties and assumptions (&ldquo;risk factors&rdquo;) that are difficult to predict with regard to
timing, extent, likelihood and degree of occurrence. Therefore, actual results and outcomes may materially differ from what may
be expressed, implied or forecasted in such forward-looking statements. Furthermore, neither ChoiceOne nor Community Shores undertake
any obligation to update, amend, or clarify forward-looking statements, whether as a result of new information, future events,
or otherwise. Such risks, uncertainties and assumptions, include, among others, the following:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt/112% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">the
                                         impacts of the global coronavirus outbreak (COVID-19), in particular in the United States
                                         and Michigan;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt/112% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">the
                                         failure of Community Shores to satisfy any of the remaining closing conditions to the
                                         transaction, on a timely basis or at all;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt/112% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">the
                                         occurrence of any event, change or other circumstances that could give rise to the right
                                         of one or both of the parties to terminate the merger agreement;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt/112% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">the
                                         possibility that the anticipated benefits of the transaction, including anticipated cost
                                         savings and strategic gains, are not realized when expected or at all, including as a
                                         result of the impact of, or problems arising from, the integration of the two companies
                                         or as a result of the strength of the economy, competitive factors in the areas where
                                         ChoiceOne and Community Shores do business, or as a result of other unexpected factors
                                         or events;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt/112% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">the
                                         impact of purchase accounting with respect to the transaction, or any change in the assumptions
                                         used regarding the assets purchased and liabilities assumed to determine their fair value;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt/112% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">diversion
                                         of management&rsquo;s attention from ongoing business operations and opportunities;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt/112% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">potential
                                         adverse reactions or changes to business or employee relationships, including those resulting
                                         from the announcement or completion of the transaction; and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt/112% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 11pt">the
                                         outcome of any legal proceedings that may be instituted against ChoiceOne or Community
                                         Shores.</FONT></TD></TR></TABLE>

<P STYLE="font: 11pt/112% Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 11pt/112% Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Additional
risk factors include, but are not limited to, the risk factors described in ChoiceOne Financial Services, Inc.&rsquo;s Registration
Statement on Form S-4 (file no. 333-237227), Item 1A in ChoiceOne Financial Services, Inc.&rsquo;s Annual Report on Form 10-K
for the year ended December 31, 2019 and in Item 1A in ChoiceOne Financial Service, Inc.'s Quarterly Report on Form 10-Q for the
quarter ended March 31, 2020.</FONT></P>

<P STYLE="font: 11pt/112% Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 11pt/112% Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B><U>Contacts</U></B></FONT></P>

<P STYLE="font: 11pt/50% Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>ChoiceOne
Financial Services, Inc.</B></FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Kelly Potes</FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Chief Executive
Officer</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; color: #222222; background-color: white">616-887-7366<BR>
</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; background-color: white"><U>kpotes@choiceone.com</U></FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Michael
Burke, Jr.</FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">President</FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; background-color: white">810.664.2977</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; background-color: white"><U>michael.burke@choiceone.com</U></FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><B>Community
Shores Bank Corporation</B></FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Heather
Brolick</FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">President
&amp; CEO</FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Community
Shores Bank</FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">231-780-1845</FONT></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><U>hbrolick@communityshores.com</U></FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">&nbsp;</FONT></P>

<P STYLE="margin: 0; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; background-color: white">Source:
ChoiceOne Financial Services</FONT></P>



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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
