<SEC-DOCUMENT>0000894671-22-000007.txt : 20220408
<SEC-HEADER>0000894671-22-000007.hdr.sgml : 20220408
<ACCEPTANCE-DATETIME>20220408152403
ACCESSION NUMBER:		0000894671-22-000007
CONFORMED SUBMISSION TYPE:	DEF 14A
PUBLIC DOCUMENT COUNT:		5
CONFORMED PERIOD OF REPORT:	20220408
FILED AS OF DATE:		20220408
DATE AS OF CHANGE:		20220408

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			OHIO VALLEY BANC CORP
		CENTRAL INDEX KEY:			0000894671
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				311359191
		STATE OF INCORPORATION:			OH
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		DEF 14A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-20914
		FILM NUMBER:		22816743

	BUSINESS ADDRESS:	
		STREET 1:		420 THIRD AVE
		CITY:			GALLIPOLIS
		STATE:			OH
		ZIP:			45631
		BUSINESS PHONE:		7404462631

	MAIL ADDRESS:	
		STREET 1:		420 THIRD AVENUE
		STREET 2:		PO BOX 240
		CITY:			GALLIPOLIS
		STATE:			OH
		ZIP:			45631
</SEC-HEADER>
<DOCUMENT>
<TYPE>DEF 14A
<SEQUENCE>1
<FILENAME>def14aproxy2022.htm
<DESCRIPTION>2022 DEFINITIVE PROXY STATEMENT
<TEXT>
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    <div style="text-align: center; font-size: 14pt; font-weight: bold;">UNITED STATES</div>
    <div style="text-align: center; font-size: 14pt; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>
    <div style="text-align: center; font-weight: bold;">Washington, D.C. 20549</div>
    <div><br>
    </div>
    <div style="text-align: center; font-size: 14pt; font-weight: bold;">SCHEDULE 14A</div>
    <div style="text-align: center; margin-top: 13.5pt; font-weight: bold;">Proxy Statement Pursuant to Section 14(a) of the</div>
    <div style="text-align: center; font-weight: bold;">Securities Exchange Act of 1934</div>
    <div><br>
    </div>
    <div>Filed by the Registrant &#160;&#9745; &#160;</div>
    <div>Filed by a Party other than the Registrant&#160; &#9744;&#160;</div>
    <div><br>
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    <div>Check the appropriate box:</div>
    <div><br>
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          <td style="width: 2.19%; vertical-align: top;">&#160;</td>
          <td style="width: 93.49%; vertical-align: top;">
            <div>Preliminary Proxy Statement</div>
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          <td style="width: 93.49%; vertical-align: top;">
            <div style="font-weight: bold;">Confidential, for Use of the Commission Only&#160;(as permitted by Rule 14a-6(e)(2))</div>
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        <tr>
          <td style="width: 4.32%; vertical-align: top;">
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          </td>
          <td style="width: 2.19%; vertical-align: top;">&#160;</td>
          <td style="width: 93.49%; vertical-align: top;">
            <div>Definitive Proxy Statement</div>
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          <td style="width: 4.32%; vertical-align: top;">
            <div style="text-align: center;">&#9744;</div>
          </td>
          <td style="width: 2.19%; vertical-align: top;">&#160;</td>
          <td style="width: 93.49%; vertical-align: top;">
            <div>Definitive Additional Materials</div>
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          <td style="width: 4.32%; vertical-align: top;">
            <div style="text-align: center;">&#9744;</div>
          </td>
          <td style="width: 2.19%; vertical-align: top;">&#160;</td>
          <td style="width: 93.49%; vertical-align: top;">
            <div>Soliciting Material Pursuant to Section 240.14a-12</div>
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    <div style="text-align: center; font-size: 14pt; font-weight: bold;">OHIO VALLEY BANC CORP.</div>
    <div style="text-align: center; font-weight: bold;">(Exact Name of Small Business Issuer as Specified in its Charter)</div>
    <div><br>
    </div>
    <div style="text-align: center; font-weight: bold;">(Name of person(s) filing proxy statement, if other than registrant)</div>
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          <td style="width: 2.19%; vertical-align: top;">&#160;</td>
          <td style="width: 93.49%; vertical-align: top;">
            <div>No fee required.</div>
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            <div>Fee computed on table below per Exchange Act Rules 14a-6(i)(1) and 0-11.</div>
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          <td style="width: 4.32%; vertical-align: top;">&#160;</td>
          <td style="width: 2.19%; vertical-align: top;">&#160;</td>
          <td style="width: 93.49%; vertical-align: top;">
            <div>(1)&#160; Title of each class of securities to which transaction applies:</div>
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            <div>(2)&#160; Aggregate number of securities to which transaction applies:</div>
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            <div style="text-align: justify;">(3)&#160; Per unit price or other underlying value of transaction computed pursuant to Exchange Act Rule 0-11 (set forth the</div>
            <div>&#160;&#160;&#160;&#160;&#160;&#160;&#160;amount on which the filing fee is calculated and state how it was determined):</div>
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            <div>(4)&#160; Proposed maximum aggregate value of transaction:</div>
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          <td style="width: 2.19%; vertical-align: top;">&#160;</td>
          <td style="width: 93.49%; vertical-align: top;">
            <div>(5)&#160; Total fee paid:</div>
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          <td style="width: 93.49%; vertical-align: top;">
            <div>Fee paid previously with preliminary materials.</div>
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          <td style="width: 4.32%; vertical-align: top;">&#160;</td>
          <td style="width: 2.19%; vertical-align: top;">&#160;</td>
          <td style="width: 93.49%; vertical-align: top;">&#160;</td>
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          <td style="width: 2.19%; vertical-align: top;">&#160;</td>
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            <div style="text-align: justify;">Check box if any part of the fee is offset as provided by Exchange Act Rule 0-11(a)(2) and identify the filing for which the offsetting fee was paid previously. Identify the previous filing by registration
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          <td style="width: 4.32%; vertical-align: top;">&#160;</td>
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            <div>(1)&#160; Amount Previously Paid:</div>
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          <td style="width: 4.32%; vertical-align: top;">&#160;</td>
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            <div>(2)&#160; Form, Schedule or Registration Statement No:</div>
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          <td style="width: 4.32%; vertical-align: top;">&#160;</td>
          <td style="width: 2.19%; vertical-align: top;">&#160;</td>
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          <td style="width: 4.32%; vertical-align: top;">&#160;</td>
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            <div>(3)&#160; Filing Party:</div>
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          <td style="width: 4.32%; vertical-align: top;">&#160;</td>
          <td style="width: 2.19%; vertical-align: top;">&#160;</td>
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          <td style="width: 4.32%; vertical-align: top;">&#160;</td>
          <td style="width: 2.19%; vertical-align: top;">&#160;</td>
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            <div>(4)&#160; Date Filed:</div>
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          <td style="width: 4.32%; vertical-align: top;">&#160;</td>
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          <td style="width: 93.49%; vertical-align: top; border-bottom: #000000 2px solid;">&#160;</td>
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      <div style="text-align: center;"><img width="80" height="83" src="image0.jpg"></div>
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      <div style="text-align: center; font-weight: bold;">ANNUAL MEETING OF SHAREHOLDERS</div>
      <div style="text-align: center; font-weight: bold;">Wednesday, May 18, 2022</div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div>Dear Shareholder:</div>
      <div><br>
      </div>
      <div style="text-align: justify;">We take pleasure in inviting you to our Annual Meeting of Shareholders, which will be held on Wednesday, May 18, 2022, at 5:00 p.m., Eastern Daylight Saving Time, at the Holzer Leadership &amp; Innovation Institute,
        254 Jackson Pike<font style="background-color: rgb(255, 255, 255); color: rgb(0, 0, 0);">,<font style="font-family: 'Times New Roman',Times,serif;">&#160;</font>G</font>allipolis, Ohio 45631.</div>
      <div><br>
      </div>
      <div style="text-align: justify;">The Annual Meeting will be held for several purposes:</div>
      <div><br>
      </div>
      <div>
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                <div style="margin-left: 36pt;">&#8226;</div>
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                <div style="text-align: justify;">election of three directors;</div>
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                <div style="margin-left: 36pt;">&#8226;</div>
              </td>
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                <div style="text-align: justify;">approval, in a non-binding vote, of the compensation of the Company&#8217;s named executive officers;</div>
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            </tr>

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                <div style="margin-left: 36pt;">&#8226;</div>
              </td>
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                <div style="text-align: justify;">ratification of the selection of the Company&#8217;s independent registered public accounting firm; and</div>
              </td>
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                <div style="margin-left: 36pt;">&#8226;</div>
              </td>
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                <div style="text-align: justify;">transaction of such other business as may properly come before the meeting.</div>
              </td>
            </tr>

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      </div>
      <div><br>
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      <div style="text-align: justify;">At the meeting, we will also report to you on our operations during the 2021 fiscal year and plans for the future.</div>
      <div><br>
      </div>
      <div style="text-align: justify;">The close of business on March 25, 2022, has been fixed as the record date for determination of shareholders entitled to notice of the Annual Meeting and to vote at the Annual Meeting or any adjournment thereof.</div>
      <div><br>
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      <div style="text-align: justify;">The formal Notice of Annual Meeting, the Proxy Statement, and a proxy are enclosed or available at <font style="color: #0000FF;"><u>www.ovbc.com/proxymaterials</u></font> depending on your preference.&#160; After you
        have read the Proxy Statement, we encourage you to promptly vote your shares by going to <font style="color: #0000FF;"><u>www.cleartrustonline.com/ovbc</u></font> and following the instructions on that website or by calling 1-813-235-4490.&#160;
        Alternatively, you may submit your proxy by filling in, signing, and returning the enclosed proxy in the envelope provided.&#160; We urge you to submit your proxy to ensure that your shares are represented.</div>
      <div><br>
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      <div style="text-align: justify;">Your vote is important to us, regardless of the number of shares you hold.&#160; Last year, 71% of the Company's shares were represented at the Annual Meeting.&#160; <font style="font-weight: bold;">Please help us exceed last
          year&#8217;s participation by signing and returning your proxy or submitting your proxy electronically or telephonically today.</font></div>
      <div><br>
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      <div style="text-align: justify;">We hope to see many of you in person at the Annual Meeting.&#160; There will be a social hour beginning at 4:00 p.m.&#160; Hors d&#8217;oeuvres and beverages will be served, and we hope you will take this opportunity to become
        acquainted with the officers and directors of your Company.</div>
      <div style="text-align: justify;"> <br>
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      <div style="text-align: justify;"> <br>
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                <div>Sincerely,</div>
              </td>
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                <div>&#160;</div>
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              <td style="width: 33.33%;">
                <div>&#160;</div>
              </td>
            </tr>
            <tr>
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                <div>&#160;
                  <div style="text-align: left;"><img width="258" height="78" src="image1.jpg"></div>
                </div>
              </td>
              <td style="width: 33.33%;">
                <div>&#160;</div>
              </td>
              <td style="width: 33.33%;">
                <div>&#160;
                  <div style="text-align: left;"><img width="187" height="59" src="image2.jpg"></div>
                </div>
              </td>
            </tr>
            <tr>
              <td style="width: 33.33%;">
                <div>Thomas E. Wiseman <br>
                </div>
              </td>
              <td style="width: 33.33%;">
                <div>&#160;</div>
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                <div>Larry E. Miller <br>
                </div>
              </td>
            </tr>
            <tr>
              <td style="width: 33.33%;">
                <div>Chairman of the Board and Chief Executive Officer <br>
                </div>
              </td>
              <td style="width: 33.33%;">
                <div>&#160;</div>
              </td>
              <td style="width: 33.33%;">
                <div>President and Chief Operating Officer <br>
                </div>
              </td>
            </tr>
            <tr>
              <td style="width: 33.33%;">
                <div>&#160;</div>
              </td>
              <td style="width: 33.33%;">
                <div>&#160;</div>
              </td>
              <td style="width: 33.33%;">
                <div>&#160;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 33.33%;">
                <div>Dated: March 31, 2022 <br>
                </div>
              </td>
              <td style="width: 33.33%;">
                <div>&#160;</div>
              </td>
              <td style="width: 33.33%;">
                <div>&#160;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 33.33%;">
                <div>&#160;</div>
              </td>
              <td style="width: 33.33%;">
                <div>&#160;</div>
              </td>
              <td style="width: 33.33%;">
                <div>&#160;</div>
              </td>
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            <tr>
              <td style="width: 33.33%;">
                <div>&#160;</div>
              </td>
              <td style="width: 33.33%;">
                <div>&#160;</div>
              </td>
              <td style="width: 33.33%;">
                <div>&#160;</div>
              </td>
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              <td style="width: 33.33%;">
                <div>&#160;</div>
              </td>
              <td style="width: 33.33%;">
                <div>&#160;</div>
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                <div>&#160;</div>
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      <div style="text-align: center; font-weight: bold;">OHIO VALLEY BANC CORP.</div>
      <div style="text-align: center; font-weight: bold;">P.O. Box 240</div>
      <div style="text-align: center; font-weight: bold;">Gallipolis, Ohio 45631</div>
      <div style="text-align: center; font-weight: bold;">1-800-468-6682</div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div style="text-align: center; font-weight: bold;">NOTICE OF ANNUAL MEETING OF SHAREHOLDERS</div>
      <div style="text-align: center; font-weight: bold;">Wednesday, May 18, 2022</div>
      <div style="text-align: center; font-weight: bold;">5:00 p.m.</div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div style="text-align: right;">Gallipolis, Ohio</div>
      <div style="text-align: right;">March 31, 2022</div>
      <div style="text-align: right;"><br>
      </div>
      <div>To the Shareholders of</div>
      <div>Ohio Valley Banc Corp.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">Notice is hereby given that the Annual Meeting of Shareholders (the &#8220;Annual Meeting&#8221;) of Ohio Valley Banc Corp. (the &#8220;Company&#8221;) will be held at the&#160;Holzer Leadership &amp; Innovation Institute, 254 Jackson Pike,
        Gallipolis, Ohio 45631, on&#160; Wednesday, May18, 2022, at 5:00 p.m., Eastern Daylight Saving Time, for the following purposes:</div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z9c9a65f598e6411eb156f5b1a42cfc57" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 54pt; vertical-align: top; align: right;">
                <div style="margin-left: 36pt;">1.</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>to elect three directors of the Company, each to serve for a three-year term;</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z595b0e5750d642d4b40c784bc4dc37d4" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 54pt; vertical-align: top; align: right;">
                <div style="margin-left: 36pt;">2.</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>to approve, in a non-binding vote, the compensation of the Company&#8217;s named executive officers;</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z1328e30763e7413ab0d4f1357c40eba6" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 54pt; vertical-align: top; align: right;">
                <div style="margin-left: 36pt;">3.</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>to consider and vote upon ratification of the selection of Crowe LLP as the independent registered public accounting firm for the fiscal year ending December 31, 2022; and</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="za21a087f362a4e27bdf16dfc6d6aafb0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 54pt; vertical-align: top; align: right;">
                <div style="margin-left: 36pt;">4.</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>to transact such other business as may properly come before the Annual Meeting or any adjournment(s) thereof.</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">Only holders of common shares of the Company of record at the close of business on March 25, 2022, will be entitled to vote at the Annual Meeting and any adjournment.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt; margin-bottom: 12pt;">The vote of each shareholder is important, whatever the number of common shares held.&#160; Whether or not you plan to attend the Annual Meeting, please submit a proxy promptly.&#160; You may submit a proxy
        to vote your shares electronically by going to <font style="color: #0000FF;"><u>www.cleartrustonline.com/ovbc</u></font> and following the instructions on that website or telephonically by calling 1-813-235-4490.&#160; Alternatively, you can use the
        enclosed proxy.&#160; If you attend the Annual Meeting, you may revoke your proxy and vote in person if you are a registered shareholder.&#160; <font style="font-weight: bold; font-style: italic;">Attendance at the Annual Meeting will not, by itself,
          constitute revocation of your proxy</font><font style="font-weight: bold;">.<br>
          <br>
        </font></div>
      <div style="text-align: right;">BY ORDER OF THE BOARD OF DIRECTORS</div>
      <div style="text-align: right;"><img width="258" height="78" src="image1.jpg"></div>
      <div style="text-align: right;">Thomas E. Wiseman</div>
      <div style="text-align: right;">&#160;Chairman of the Board and Chief Executive Officer</div>
      <div style="text-align: right;"> <br>
      </div>
      <div style="text-align: right;"> <br>
      </div>
      <div style="text-align: right;"> <br>
      </div>
      <div style="text-align: right;"><img width="187" height="59" src="image2.jpg"></div>
      <div style="text-align: right;">Larry E. Miller II</div>
      <div style="text-align: right;">President and Chief Operating Officer</div>
      <div><br>
      </div>
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      </div>
      <div style="text-align: center; font-weight: bold;">OHIO VALLEY BANC CORP.</div>
      <div style="text-align: center; font-weight: bold;">P.O. Box 240</div>
      <div style="text-align: center; font-weight: bold;">Gallipolis, Ohio 45631</div>
      <div style="text-align: center; font-weight: bold;">1-800-468-6682</div>
      <div><br>
      </div>
      <div style="text-align: right;">March 31, 2022</div>
      <div><br>
      </div>
      <div style="text-align: center; font-weight: bold;">PROXY STATEMENT</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">This proxy statement and the accompanying proxy are first being provided on or about April 8, 2022, to the shareholders of Ohio Valley Banc Corp. (the &#8220;Company&#8221;) regarding the Annual Meeting of Shareholders to be held
        at the Holzer Leadership &amp; Innovation Institute, 254 Jackson Pike, Gallipolis, Ohio 45631, on Wednesday, May 18, 2022, at 5:00 p.m., Eastern Daylight Saving Time (the &#8220;Annual Meeting&#8221;).</div>
      <div><br>
      </div>
      <div style="font-weight: bold;">Voting by Proxy</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">A proxy for use at the Annual Meeting is solicited by the Board of Directors of the Company.&#160; You may ensure your representation by completing, signing, dating and promptly submitting a proxy which will be mailed to
        you on or about April 20, 2022.&#160; You may also submit your proxy electronically by going to <font style="color: #0000FF;"><u>www.cleartrustonline.com/ovbc</u></font> and following the instructions on that website or telephonically by calling
        1-813-235-4490. Voting instructions may be transmitted electronically via the Internet or transmitted by telephone until 9:00 a.m. Eastern Daylight Saving Time, on May 18, 2022.&#160; Without affecting any vote previously taken, you may revoke your
        proxy at any time before it is voted at the Annual Meeting (i) by giving written notice of revocation to the Secretary of the Company, at the address of the Company set forth on the cover page of this proxy statement; (ii) by executing a
        later-dated proxy that is received prior to the Annual Meeting or submitting a later-dated proxy via the Internet prior to the deadline for doing so; or (iii) if you are the registered owner of your common shares, by attending the Annual Meeting
        and giving notice of revocation in person<font style="font-weight: bold;">.&#160; Attendance at the Annual Meeting will not, by itself, constitute revocation of a proxy. </font></div>
      <div><br>
      </div>
      <div style="font-weight: bold;">Shares Held in &#8220;Street Name&#8221;</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt; margin-bottom: 12pt;">If you hold your common shares in &#8220;street name&#8221; with a broker, financial institution, or other holder of record, you may be eligible to instruct the voting of your shares via the Internet or by
        telephone and you may incur costs associated with that process.&#160; If you hold your common shares in &#8220;street name,&#8221; you should review the information provided to you by the holder of record.&#160; This information will describe the procedures to be
        followed in instructing the holder of record how to vote the street name common shares and how to revoke previously given instructions.</div>
      <div style="text-indent: 36pt; margin-bottom: 12pt;">If you hold your common shares in &#8220;street name&#8221; and wish to vote your shares in person at the Annual Meeting, you must bring a letter or proxy from your broker/dealer, financial institution, or
        other nominee indicating how many common shares you held beneficially on March 25, 2022, and authorizing you to vote your shares on behalf of such record holder.</div>
      <div style="margin-bottom: 12pt; font-weight: bold;">Who is Entitled to Vote</div>
      <div style="text-indent: 36pt;">Only shareholders of record at the close of business on March 25, 2022, are entitled to receive notice of and to vote at the Annual Meeting and any adjournment.&#160; As of March 25, 2022, 4,771,774 common shares were
        outstanding and entitled to be voted at the Annual Meeting.&#160; Each common share entitles the holder thereof to one vote on each matter submitted to the shareholders at the Annual Meeting.&#160; A quorum for the Annual Meeting is a majority of the
        outstanding common shares.&#160; No appraisal or dissenters&#8217; rights are available for any of the actions to be taken at the Annual Meeting.</div>
      <div><br>
      </div>
      <div style="font-weight: bold;">Costs of Proxy Solicitation</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt; margin-bottom: 12pt;">The Company will bear the costs of preparing, printing and mailing this proxy statement, the proxy and any other related materials, as well as all other costs incurred in connection with the
        solicitation of proxies on behalf of the Company&#8217;s Board of Directors, other than the Internet access charges a shareholder may incur if proxy materials are accessed on the Internet or if a proxy is appointed electronically.&#160; Proxies will be
        solicited by mail and may be further solicited, for no additional compensation, by officers, directors, or employees of the Company and its subsidiaries by further mailing, telephone, facsimile, electronic mail, or personal contact.&#160; The Company
        will also pay the standard charges and expenses of brokers, voting trustees, financial institutions, and other custodians, nominees and fiduciaries, who are record holders of common shares not beneficially owned by them, for forwarding materials to
        the beneficial owners of common shares entitled to vote at the Annual Meeting.</div>
      <div style="text-indent: 36pt; margin-bottom: 12pt;"> <br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageFooter">
          <div style="text-align: center;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman',Times,serif; font-size: 8pt; font-weight: normal; font-style: normal;">3</font></div>
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      </div>
      <div style="margin-bottom: 12pt; font-weight: bold;">Employee Stock Ownership Plan Participants</div>
      <div style="text-indent: 36pt; margin-bottom: 12pt;">If you are a participant in the Ohio Valley Banc Corp. Employees&#8217; Stock Ownership Plan (the &#8220;ESOP&#8221;) and common shares have been allocated to your account in the ESOP, you will be entitled to
        instruct the trustee of the ESOP how to vote those common shares and you will receive your voting instructions separately.&#160; If you give no instructions to the trustee of the ESOP, the trustee will vote the common shares allocated to your ESOP
        account in its sole discretion.</div>
      <div style="font-weight: bold;">Vote Required</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;"><font style="font-weight: bold;">Quorum.</font>&#160; Common shares represented by properly executed proxies received prior to the Annual Meeting will be counted toward the establishment of a quorum for the Annual Meeting.&#160;
        A majority of the outstanding common shares of the Company must be represented at the Annual Meeting to establish a quorum.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;"><font style="font-weight: bold;">Director elections.&#160; </font>The three nominees receiving the greatest number of votes for the class of directors whose terms expire in 2025 will be elected as directors for that term.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;"><font style="font-weight: bold;">Advisory approval of named executive officer compensation.</font>&#160; The affirmative vote of a majority of the shares participating in the voting is required for shareholder advisory
        approval of the compensation of the Company&#8217;s named executive officers.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;"><font style="font-weight: bold;">Ratification of selection of independent registered public accounting firm.</font>&#160; The affirmative vote of a majority of the shares participating in the voting is required to ratify
        the selection of Crowe LLP (&#8220;Crowe&#8221;) as the independent registered public accounting firm.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;"><font style="font-weight: bold;">Effect of broker non-votes and abstentions.</font>&#160; Brokers who hold common shares in street name may, under the applicable regulations of the Securities and Exchange Commission (the
        &#8220;SEC&#8221;) and the rules of exchanges and other self-regulatory organizations of which the brokers are members, sign and submit proxies for common shares of the Company and may vote such common shares on certain matters.&#160; However, brokers who hold
        common shares in street name may not vote common shares on other matters without specific instruction from the customer who owns the common shares.&#160; Proxies that are signed and submitted by brokers that have not been voted on certain matters are
        referred to as representing &#8220;broker non-votes.&#8221;</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">Broker non-votes and abstentions count toward the establishment of a quorum for the Annual Meeting.&#160; Pursuant to rules of the stock exchanges applicable to the Company, member brokers are not permitted to vote without
        customer instruction with respect to the election of directors and the approval of named executive officer compensation.&#160; Neither broker non-votes nor abstentions will be considered to be participating in the voting and therefore will have no
        effect on the election of directors, the approval of executive compensation or the ratification of the selection of the independent registered public accounting firm.</div>
      <div><br>
      </div>
      <div style="text-align: center; font-weight: bold;">Important Notice Regarding the Availability of Proxy Materials for the Shareholder</div>
      <div style="text-align: center; font-weight: bold;">Meeting to Be Held on May 18, 2022</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">This proxy statement, a sample of the form of proxy provided to shareholders by the Company, and the Company&#8217;s 2021 Annual Report to Shareholders are available at&#160;<font style="color: #0000FF;"><u>www.ovbc.com/proxymaterials</u></font>.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Annual Report of the Company for the fiscal year ended December 31, 2021, including financial statements, is being made available with this proxy statement.</div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
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          <div><br>
          </div>
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      </div>
      <div><br>
      </div>
      <div style="text-align: center; font-weight: bold;">OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT</div>
      <div><br>
      </div>
      <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman',Times,serif;">The following table indicates, as of March 25, 2022, certain information concerning the only shareholders known by the Company to be the beneficial
        owners of more than five percent (5%) of the outstanding common shares of the Company.</div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" id="z089f4d776ee848859e5efcfbc03d3418" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 55.63%; vertical-align: bottom; border-bottom: 2px solid black;">
              <div style="text-align: justify;">Name and Address</div>
            </td>
            <td style="width: 23.89%; vertical-align: top; border-bottom: 2px solid black;">
              <div style="text-align: center;">No. of Common Shares</div>
              <div style="text-align: center;">and Nature of</div>
              <div style="text-align: center;">Beneficial Ownership</div>
            </td>
            <td style="width: 20.48%; vertical-align: top; border-bottom: 2px solid black;">
              <div>&#160;</div>
              <div style="text-align: center;">Percent of</div>
              <div style="text-align: center;">Class (1)</div>
            </td>
          </tr>
          <tr>
            <td style="width: 55.63%; vertical-align: top;">&#160;</td>
            <td style="width: 23.89%; vertical-align: top;">&#160;</td>
            <td style="width: 20.48%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 55.63%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>The Ohio Valley Bank Company, Trustee for</div>
              <div>Ohio Valley Banc Corp. Employees&#8217; Stock Ownership Plan (&#8220;ESOP&#8221;)</div>
              <div style="text-align: justify;">420 Third Avenue</div>
              <div style="text-align: justify;">P.O. Box 240</div>
              <div style="text-align: justify;">Gallipolis, OH&#160; 45631</div>
              <div>&#160;</div>
            </td>
            <td style="width: 23.89%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">314,413 (2)</div>
              <div>&#160;</div>
              <div>&#160;</div>
              <div>&#160;</div>
            </td>
            <td style="width: 20.48%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">6.59%</div>
              <div>&#160;</div>
              <div>&#160;</div>
              <div>&#160;</div>
              <div>&#160;</div>
              <div>&#160;</div>
            </td>
          </tr>

      </table>
      <div>
        <table cellspacing="0" cellpadding="0" id="zf12950ebcd0745dcb769ea802ab3e11a" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 19.5pt; vertical-align: top; align: right;">
                <div>(1)</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>The percent of class is based upon 4,771,774 common shares outstanding as of March 25, 2022.</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z95db905f361842029256a10fe768578c" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 19.5pt; vertical-align: top; align: right;">
                <div>(2)</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>As of March 25, 2022, all 314,413 shares in the ESOP were allocated to the accounts of ESOP participants.&#160; The Ohio Valley Bank Company (the &#8220;Bank&#8221;) is the trustee of the ESOP and votes all shares allocated to the accounts of
                  participants as directed by the participants to whose accounts such shares have been allocated.&#160; With respect to unallocated shares and allocated shares for which instructions have not been received, the trustee votes such shares in the
                  Trustee&#8217;s discretion.&#160; The trustee has limited power to dispose of ESOP shares.&#160; The Bank also has sole voting and investment power with respect to 24,124 shares held as trustee for various other trusts.</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The following table furnishes information regarding the beneficial ownership of common shares of the Company, as of March 25, 2022, for each current director, each nominee for election to the Board of Directors, each
        executive officer named in the Summary Compensation Table and all current directors and executive officers as a group.</div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" id="zc3ee7d3fed894535bf906422ac575626" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 33.52%; vertical-align: top; border-bottom: 2px solid black;">
              <div>Name</div>
            </td>
            <td colspan="1" style="width: 2%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 33.28%; vertical-align: top; border-bottom: 2px solid black;">
              <div style="text-align: center;">No. of Common Shares</div>
              <div style="text-align: center;">and Nature of</div>
              <div style="text-align: center;">Beneficial Ownership&#160; (1)</div>
            </td>
            <td colspan="1" style="width: 2%; vertical-align: top; border-bottom: 2px solid black;">&#160;</td>
            <td colspan="1" style="width: 2%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 33.2%; vertical-align: top; border-bottom: 2px solid black;">
              <div style="text-align: center;">Percent of Class (2)</div>
            </td>
          </tr>
          <tr>
            <td style="width: 33.52%; vertical-align: top;">&#160;</td>
            <td colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 33.28%; vertical-align: top;">&#160;</td>
            <td colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
            <td colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 33.2%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 33.52%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Anna P. Barnitz</div>
            </td>
            <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 33.28%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160; 7,108</div>
            </td>
            <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;(3) <br>
            </td>
            <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 33.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">.15%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 33.52%; vertical-align: top;">
              <div>Kimberly A. Canady</div>
            </td>
            <td colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 33.28%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160; &#160;&#160; &#160; 268</div>
            </td>
            <td colspan="1" style="width: 2%; vertical-align: top;">&#160;(4)</td>
            <td colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 33.2%; vertical-align: top;">
              <div style="font-family: 'Times New Roman',Times,serif; margin-left: 54pt; text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;.01%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 33.52%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Brent R. Eastman</div>
            </td>
            <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 33.28%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-family: 'Times New Roman',Times,serif; margin-left: 126pt; text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 72,182 <br>
              </div>
            </td>
            <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 33.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">1.51%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 33.52%; vertical-align: top;">
              <div>Larry E. Miller II</div>
            </td>
            <td colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 33.28%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160; 16,291</div>
            </td>
            <td colspan="1" style="width: 2%; vertical-align: top;">&#160;(5)</td>
            <td colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 33.2%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">.34%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 33.52%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Edward J. Robbins</div>
            </td>
            <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 33.28%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="font-family: 'Times New Roman',Times,serif; margin-left: 126pt; text-align: right;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160; 5,434 <br>
              </div>
            </td>
            <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);"><br>
            </td>
            <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 33.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">.11%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 33.52%; vertical-align: top;">
              <div>Edward B. Roberts</div>
            </td>
            <td colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 33.28%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160; 2,800</div>
            </td>
            <td colspan="1" style="width: 2%; vertical-align: top;">&#160;(6)</td>
            <td colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 33.2%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">.06%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 33.52%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Brent A. Saunders</div>
            </td>
            <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 33.28%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160; 41,076</div>
            </td>
            <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;(7)</td>
            <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 33.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">.86%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 33.52%; vertical-align: top;">
              <div>Scott W. Shockey</div>
            </td>
            <td colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 33.28%; vertical-align: top;">
              <div style="font-family: 'Times New Roman',Times,serif; text-align: right; text-indent: -9pt; margin-left: 9pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160; 9,918</div>
            </td>
            <td colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
            <td colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 33.2%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">.21%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 33.52%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>K. Ryan Smith</div>
            </td>
            <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 33.28%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 500 </div>
            </td>
            <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 33.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">.01%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 33.52%; vertical-align: top;">
              <div>David W. Thomas</div>
            </td>
            <td colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 33.28%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160;&#160;&#160; 5,271</div>
            </td>
            <td colspan="1" style="width: 2%; vertical-align: top;">&#160;(8)</td>
            <td colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 33.2%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">.11%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 33.52%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Thomas E. Wiseman</div>
            </td>
            <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 33.28%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">&#160; 28,951</div>
            </td>
            <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;(9)</td>
            <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 33.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">.61%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 33.52%; vertical-align: top;">&#160;</td>
            <td colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 33.28%; vertical-align: top;">&#160;</td>
            <td colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
            <td colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 33.2%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 33.52%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>All directors and executive officers as a Group</div>
              <div> (13 persons)</div>
            </td>
            <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 33.28%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif; margin-left: 9pt; text-indent: -9pt;">202,556</div>
            </td>
            <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td colspan="1" style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 33.2%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman',Times,serif;">4.03%</div>
            </td>
          </tr>

      </table>
      <div>
        <table cellspacing="0" cellpadding="0" id="zfa6b7eabe809416d8f375acd446f0a1f" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 35.9pt; vertical-align: top; align: right;">
                <div style="margin-left: 2.9pt;"> <br>
                </div>
                <div style="margin-left: 2.9pt;">(1)</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div> <br>
                </div>
                <div>Unless otherwise indicated, the beneficial owner has sole voting and investment power with respect to all of the common shares reflected in the table.&#160; All fractional common shares have been rounded down to the nearest whole common
                  share.&#160; The Company has never granted options to purchase its common shares.&#160; Shares held in the ESOP are held with voting and shared investment power.&#160; The mailing address for each of the current directors and executive officers of the
                  Company is P.O. Box 240, Gallipolis, Ohio 45631.</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div style="margin-left: 2.9pt;">(footnotes continued on next page)</div>
      <div><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageFooter">
          <div style="text-align: center;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman',Times,serif; font-size: 8pt; font-weight: normal; font-style: normal;">5</font></div>
          <div><br>
          </div>
        </div>
        <div style="page-break-after: always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
        <div id="DSPFPageHeader"></div>
      </div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="ze49effa62fec4d8ebce4dc167277f1cf" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 35.9pt; vertical-align: top; align: right;">
                <div style="margin-left: 2.9pt;">(2)</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>The percent of class is based on 4,771,774 common shares outstanding on March 25, 2022.</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="za474a7d2c7e94e40932cf5b8e2d27d11" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 35.9pt; vertical-align: top; align: right;">
                <div style="margin-left: 2.9pt;">(3)</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>Includes 7,006 common shares held jointly by Mrs. Barnitz and her spouse, as to which she shares voting and investment power.</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z9728a482b07c40e59354753870698d93" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 35.9pt; vertical-align: top; background-color: rgb(255, 255, 255);">
                <div style="margin-left: 2.9pt;">(4)</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>Represents 3 common shares held by Mrs. Canady&#8217;s spouse as custodian for their son and 265 common shares held in a trust, as to which Mrs. Canady has sole voting and investment power as the trustee.</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="za3d7dcfd45504f94ada2eece2e6508be" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 35.9pt; vertical-align: top; background-color: rgb(255, 255, 255);">
                <div style="margin-left: 2.9pt;">(5)</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>Represents 3,763 common shares held jointly by Mr. Miller and his spouse, as to which he shares voting and investment power, and 12,527 common shares held for the account of Mr. Miller in the ESOP.</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z02a6757252f444c7bcc4a9a2cd642aa8" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 35.9pt; vertical-align: top; align: right;">
                <div style="margin-left: 2.9pt;">(6)</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>Represents 2,800 common shares held jointly by Mr. Roberts and his spouse, as to which he shares voting and investment power.</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="zf131841544fb46e6bc358501920c33df" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 35.9pt; vertical-align: top; background-color: rgb(255, 255, 255);">
                <div style="margin-left: 2.9pt;">(7)</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>Includes 40,833 common shares held jointly by Mr. Saunders and his spouse, as to which he shares voting and investment power; 8,250 common shares that are pledged; and 243 common shares held in a self-directed individual retirement
                  account, as to which the broker has voting power and Mr. Saunders has investment power.</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="ze12f1375f4ac4de0b397ac81f2fef2d6" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 35.9pt; vertical-align: top; align: right;">
                <div style="margin-left: 2.9pt; font-style: italic; font-weight: bold;">(8)</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>Includes 3,440 common shares held jointly by Mr. Thomas and his spouse, as to which he shares voting and investment power.</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="zeaa23429a5384369bf97eefeab233f0b" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 35.9pt; vertical-align: top; align: right;">
                <div style="margin-left: 2.9pt; font-style: italic; font-weight: bold;">(9)</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>Includes 22,178 common shares held jointly by Mr. Wiseman and his spouse, as to which he shares voting and investment power, and 6,376 common shares held for the account of Mr. Wiseman in the ESOP.</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div id="DSPFPageFooter">
          <div style="text-align: center;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman',Times,serif; font-size: 8pt; font-weight: normal; font-style: normal;">6</font></div>
          <div><br>
          </div>
        </div>
        <div id="DSPFPageBreak" style="page-break-after:always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        <div id="DSPFPageHeader"></div>
      </div>
      <div style="text-align: center; margin-top: 2pt; color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif; font-style: normal; font-weight: bold;">DELINQUENT SECTION 16(a) REPORTS</div>
      <div style="text-align: justify;"><br>
      </div>
      <div style="text-indent: 36pt;">The Company&#8217;s directors and executive officers, as well as any persons holding more than 10% of the Company&#8217;s outstanding common shares, are required to report their initial ownership of common shares and any
        subsequent changes in their ownership to the SEC.&#160; Specific due dates have been established by the SEC for such filings, and the Company is required to disclose in this proxy statement any failure to file by those dates.&#160; Based on its review of&#160;
        (i) Section 16(a) reports filed on behalf of these individuals for their transactions during the Company&#8217;s 2021 fiscal year and&#160; (ii) documentation received from one or more of these individuals that no annual Form 5 reports were required to be
        filed by them for the Company&#8217;s 2021 fiscal year, the Company believes that all Section 16(a) reports were filed timely.</div>
      <div><br>
      </div>
      <div style="text-align: center; font-weight: bold;">PROXY ITEM 1:&#160; ELECTION OF DIRECTORS</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Company&#8217;s Board of Directors currently has ten directors divided into three classes, two of which consist of three directors and one of which consists of four directors.&#160; Section 2.02(C) of the Company&#8217;s Code of
        Regulations provides that the directors may change the number of directors and fill any vacancy created by an increase in the number of directors (provided that the directors may not increase the number of directors to more than twelve or reduce
        the number of directors to less than five).</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">In 1980, the Board of Directors of the Bank adopted a policy that each person becoming a director of the Bank after that date would be expected to retire at the next annual meeting of shareholders of the Bank following
        the director's 70th birthday.&#160; Since the Company was formed as the holding company of the Bank in 1992, the directors of the Company have followed that same practice, although neither the Company nor the Bank has ever provided such a requirement in
        its articles of incorporation or code of regulations or included any such provision in the charter of the Nominating and Corporate Governance Committee.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Board of Directors proposes that each of Larry E. Miller II, Edward J. Robbins, and K. Ryan Smith be re-elected for a three-year term.&#160; Each nominee was recommended to the Board of Directors by the Nominating and
        Corporate Governance Committee.&#160; Each person elected as a director at the Annual Meeting will hold office for a term of three years and until his successor is duly elected and qualified or until his earlier resignation, removal from office or
        death.&#160; The three nominees for election as directors receiving the greatest number of votes will be elected.&#160; Common shares represented by properly executed and returned proxies will be voted <font style="font-weight: bold;"><u>FOR</u></font> the
        election of the Board of Directors&#8217; nominees unless authority to vote for one or more nominees is withheld.&#160; Common shares as to which the authority to vote is withheld will be counted for quorum purposes, but will not be counted toward the
        election of directors or toward the election of the individual nominees specified on the proxy.</div>
      <div><br>
      </div>
      <div><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font>The following discussion provides certain information, as of March 25, 2022, concerning each nominee for election as a director of
        the Company.</div>
      <div style="margin-top: 2pt;"><br>
      </div>
      <div style="font-weight: bold;">Nominees for Election for Terms Expiring in 2025</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt; font-weight: bold;">Larry E. Miller II, Age 57</div>
      <div style="text-indent: 36pt; font-weight: bold;">Director of the Bank and the Company since May 2019</div>
      <div><br>
      </div>
      <div>Mr. Miller has been President and Chief Operating Officer (COO) of the Company since May 2019.&#160; He served as COO and Secretary of the Company from May 2015 until May 2019.&#160; From December 2007 to May 2015, Mr. Miller served as Senior Vice
        President and Secretary of the Company and from December 1999 to May 2015, he served as Executive Vice President of the Bank.&#160; He has been employed in numerous capacities with the Bank since June 1986.&#160; Mr. Miller serves as Vice Chairman of the
        Company&#8217;s Executive Committee and a member of the Management Enterprise Risk Committee.&#160; He is also the Vice Chairman of the Bank&#8217;s Executive Committee and a member of the Asset Liability Committee and Officers&#8217; Loan Committee.&#160; Mr. Miller has been
        Chairman of the Board of the Company&#8217;s subsidiary, Loan Central, since May 2012 and has served as a board member since April 2000.&#160; His extensive banking background and day-to-day involvement with Bank operations provide valuable insight to the
        Board.&#160; He is a graduate of the Ohio School of Banking, the Graduate School of Banking at the University of Wisconsin&#8211;Madison, and the Bank Leadership Institute.&#160; In his community, Mr. Miller is a member of First Baptist Church of Gallipolis, Ohio,
        where he has served on the Board of Deacons and serves as a youth Sunday school teacher.&#160; For over two decades, he served on the school board of his alma mater, Ohio Valley Christian School.&#160; Through the Bank&#8217;s Impact Day program, Mr. Miller has
        spent time building homes through Habitat for Humanity, volunteering with Special Olympics, and at our Senior Citizens Center.</div>
      <div><br>
      </div>
      <div><br>
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      </div>
      <div><br>
      </div>
      <div style="text-indent: 36pt; font-weight: bold;">Edward J. Robbins, Age 59</div>
      <div style="text-indent: 36pt; font-weight: bold;">Director of the Bank and the Company since February 2017</div>
      <div><br>
      </div>
      <div>Mr. Robbins has been the President and Chief Executive Officer of Ohio Valley Veneer, Inc., which specializes in the timbering and cutting of hardwoods, since the company was founded in 1990.&#160; He currently owns and operates three sawmills in
        Piketon, Ohio, along with additional sawmills in Peebles, Ohio, and Greenup, Kentucky.&#160; In the spring of 2014, Mr. Robbins expanded his green lumber business to include the manufacturing of dry lumber and flooring through the acquisition of Taylor
        Lumber Worldwide, Inc.&#160; He expanded again in the fall of 2015 when he began operations in Waverly, Ohio, as Ohio Valley Stave, Inc., producing the staves for barrels manufactured at Speyside Bourbon Cooperage in Jackson, Ohio.&#160; The addition of Mr.
        Robbins to the Board secures an inside prospective from the Pike County business community, which enables the Company and its subsidiaries to better serve its communities.&#160; Mr. Robbins is a member of the Nominating and Corporate Governance
        Committee of the Company and the Trust Committee of the Bank.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt; font-weight: bold;">K. Ryan Smith, Age 49</div>
      <div style="text-indent: 36pt; font-weight: bold;">Director of the Bank and the Company since July 2021</div>
      <div><br>
      </div>
      <div>Mr. Smith has been President of the University of Rio Grande and Rio Grande Community College since October 2019.&#160; He has 23 years of experience in business and the investment and securities industry.&#160; Mr. Smith also served in Ohio&#8217;s House of
        Representatives from April 2012 to September 2019, where he had the distinguished honor of serving as the 103<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">rd</sup> speaker of the Ohio House.&#160; He previously served as a financial advisor with RW Baird (formerly Hilliard Lyons) in Gallia
        County from October 2005 to October 2019.&#160; Mr. Smith also serves as a board member of the Gallia County Community Improvement Corporation.&#160; He is a past president of the Gallia County Chamber of Commerce, former board member of Holzer Health
        System, and former board member of Gallipolis City Schools.&#160; His experience and leadership locally and on a statewide basis provide valuable insight to the Company and our shareholders as we continue to grow and pursue our Community First mission.&#160;
        Mr. Smith is a member of the Trust Committee of the Bank.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt; font-weight: bold;">The Board of Directors recommends that shareholders vote <u>FOR</u> the election of the above nominees.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">While it is contemplated that all nominees will stand for election, if one or more nominees at the time of the Annual Meeting should be unavailable or unable to serve as a candidate for election as a director, the
        individuals designated as proxy holders reserve full discretion to vote the common shares represented by the proxies they hold for the election of the remaining nominees and for the election of any substitute nominee or nominees designated by the
        Board of Directors.&#160; The Board of Directors knows of no reason why any of the nominees named above will be unavailable or unable to serve if elected to the Board.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The following discussion provides certain information concerning the current directors who will continue to serve after the Annual Meeting.&#160; Unless otherwise indicated, each individual has had the same principal
        occupation for more than five years.</div>
      <div><br>
      </div>
      <div style="font-weight: bold;">Directors with Terms Expiring in 2023</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt; font-weight: bold;">Kimberly A. Canady, Age 63</div>
      <div style="text-indent: 36pt; font-weight: bold;">Director of the Bank and the Company since February 2017</div>
      <div><br>
      </div>
      <div>Mrs. Canady has been an attorney and member of both the North Carolina and Ohio State Bar Associations since 1984. Her work history includes experience as a lab technician for Bell Pharmacal of Greenville, South Carolina from 1980 to 1981; a
        clerkship for the police attorney in Winston-Salem during 1983; and attorney for Womble, Carlyle, Sandridge and Rice in Winston-Salem from 1984 to 1985.&#160; She earned a bachelor&#8217;s degree in chemistry from Vanderbilt University. She attended law
        school at Wake Forest University in Winston-Salem, North Carolina, and received her Doctor of Jurisprudence degree in 1984.&#160; Since 2013, Mrs. Canady has been trustee and owner of Canady Farms, LLC, totaling approximately 1,400 acres primarily in
        Fayette County, Ohio, and owner and co-manager of Coffey Farms, LLC, since 2019.&#160; Canady Farms, LLC owns 75% of Coffey Farms, LLC.&#160; Mrs. Canady&#8217;s practical experience in the risks associated with farm operations and her legal education and
        experience provide a unique ability to assess the risks associated with the financial services industry in rural America.&#160; She serves on the Company&#8217;s Audit Committee and the Board Enterprise Risk Committee and is also a member of the Investment
        and Advisory Committee for the Profit Sharing Retirement Plan and the Asset Quality Oversight Committee of the Company.</div>
      <div><br>
      </div>
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      <div style="text-indent: 36pt; font-weight: bold;">Brent A. Saunders, Age 64</div>
      <div style="text-indent: 36pt; font-weight: bold;">Director of the Bank since 2001; Director of the Company since 2003</div>
      <div><br>
      </div>
      <div>Mr. Saunders began practicing law in Gallia County, Ohio in 1983.&#160; In 1985, he became a partner in the law firm of Halliday, Sheets and Saunders.&#160; In addition, he has held several public positions, including Gallipolis City Solicitor and Gallia
        County Prosecuting Attorney.&#160; Mr. Saunders&#8217; fields of expertise include the following areas of the law:&#160; contracts, deeds, mortgages, title searches, corporations and foreclosures.&#160; In July 2009, he was named President and CEO of Holzer
        Consolidated Health Systems.&#160; He was elected full-time Chairman of the Board of Directors of Holzer Health System in March 2012.&#160; Holzer Health System, a regional health system providing a continuum of care with over 170 providers in more than 30
        medical specialties offering ambulatory, acute and long-term care, is a significant employer in the Company&#8217;s market.&#160; He is a member of the following committees of the Company:&#160; Executive, Compensation and Management Succession, and Nominating and
        Corporate Governance (Chair).&#160; Additionally, Mr. Saunders is a member of the Executive Committee and the Trust Committee (Chair) of the Bank.&#160; Mr. Saunders&#8217; legal expertise, strong work ethic, ability to analyze all sides of an issue and effective
        communication skills permit him to make significant contributions to the Company.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt; font-weight: bold;">David W. Thomas, Age 66</div>
      <div style="text-indent: 36pt; font-weight: bold;">Director of the Bank and the Company since 2007</div>
      <div><br>
      </div>
      <div>Mr. Thomas is retired Chief Examiner for the Ohio Division of Financial Institutions (the &#8220;ODFI&#8221;) and has been retired since September 2007.&#160; In his 30 years with the ODFI, Mr. Thomas gained extensive knowledge in the areas of bank supervision
        and regulation.&#160; He is adept at interpreting banking laws, regulations and rules.&#160; Banking regulation continues to expand, making Mr. Thomas&#8217;s expertise in this area invaluable to the Company.&#160; Mr. Thomas has an excellent grasp of the most
        challenging issues facing the financial services industry as well as the risk management principles essential to profitably manage such challenges.&#160; He is also skilled in analyzing corporate and bank financial statements.&#160; In January 2010, Mr.
        Thomas became the Company&#8217;s Lead Independent Director.&#160; Mr. Thomas is a member of the following committees of the Company:&#160; Audit (Chair), Executive, Nominating and Corporate Governance, Board Enterprise Risk (Chair), and Asset Quality Oversight
        (Chair).&#160; As Lead Independent Director, he is also an Ex Officio member of all other standing Board committees of the Company.&#160; Additionally, Mr. Thomas is a member of the Executive Committee and the Information Technology Steering Committee of the
        Bank.</div>
      <div><br>
      </div>
      <div style="font-weight: bold;">Directors with Terms Expiring in 2024</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt; font-weight: bold;">Anna P. Barnitz, Age 59</div>
      <div style="text-indent: 36pt; font-weight: bold;">Director of the Bank since 2001; Director of the Company since 2003</div>
      <div><br>
      </div>
      <div>Mrs. Barnitz has served since 1988 as the Treasurer and Chief Financial Officer at Bob&#8217;s Market and Greenhouses, Inc., a multimillion dollar wholesale distributor of horticultural products with retail landscaping stores.&#160;&#160; From 1985 until 1988,
        she served as a Senior Auditor for Charleston National Bank and Key Centurion Bancshares.&#160; In the early 1990s, she served on the BankOne N.A. Point Pleasant, West Virginia Board.&#160; She also served on the Bank&#8217;s West Virginia Advisory Board for over
        17 years.&#160; She is a member of the Company&#8217;s Executive and Audit Committees, serving as Secretary on the Audit Committee.&#160; In addition, she serves as Chair of the Compensation and Management Succession Committee and is a member of the Board
        Enterprise Risk Committee and the Asset Quality Oversight Committee.&#160; She is also a member of the Bank&#8217;s Executive Committee and Information Technology Steering Committee.&#160; Mrs. Barnitz&#8217;s financial expertise, coupled with her audit and banking
        background makes her a qualified board member.</div>
      <div><br>
      </div>
      <div style="margin-left: 36pt; font-weight: bold;">Brent R. Eastman, Age 59</div>
      <div style="margin-left: 36pt; font-weight: bold;">Director of the Bank and the Company since April 2016</div>
      <div><br>
      </div>
      <div>Mr. Eastman has been the President and a co-owner of Ohio Valley Supermarkets since 2005.&#160; He also is a partner and co-owner of Eastman Enterprises, a land and development company that was founded in 1996.&#160; Ohio Valley Supermarkets operates 11
        retail store locations with 300 employees in southeastern Ohio and western West Virginia.&#160; Mr. Eastman has served as a director of the Gallia County Agricultural Society for 21 years and has been a member of the Gallia County Board of Health for 13
        years.&#160; The Board of Directors of the Company believes Mr. Eastman is a valuable addition to the Board due to his retail experience and knowledge of the Company&#8217;s market area.&#160; Mr. Eastman is a member of the Company&#8217;s Audit Committee, Board
        Enterprise Risk Committee, and Compensation and Management Succession Committee.</div>
      <div><br>
      </div>
      <div><br>
      </div>
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      <div style="text-indent: 36pt; font-weight: bold;">Edward B. Roberts, Age 44</div>
      <div style="text-indent: 36pt; font-weight: bold;">Director of the Bank and the Company since September 2021</div>
      <div><br>
      </div>
      <div>Mr. Roberts has been the co-owner of OakBridge Financial Partners, LLC, since 2000 and is registered through the state of Ohio as an investment advisor representative through LPL Financial.&#160; He has 21 years of experience in business and in the
        investment securities industry.&#160; Mr. Roberts is licensed in Ohio life and health insurance and is a real estate investor with experience in both commercial and residential markets.&#160; His working knowledge and acumen with local retirement planning
        and post-retirement investment portfolios propelled him to be ranked in the top 9% of all advisors at LPL Financial.&#160; In his community, he is a member of the village of Waverly planning commission and a former member of Kiwanis.&#160; The Board of
        Directors of the Company believes that Mr. Roberts&#8217; experience in business and the investment securities industry will strengthen our board and further our Community First mission.&#160; Mr. Roberts is a member of the Trust Committee of the Bank.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt; font-weight: bold;">Thomas E. Wiseman, Age 63</div>
      <div style="text-indent: 36pt; font-weight: bold;">Director of the Bank and the Company since 1992</div>
      <div><br>
      </div>
      <div>Mr. Wiseman has been Chairman and Chief Executive Officer (CEO) of the Company since May 2020 and served as CEO of the Company from May 2019 until May 2020.&#160; He served as President and CEO of the Company from May 2012 until May 2019 and served
        as President and Chief Operating Officer (COO) of the Company from January 2010 until May 2012.&#160; Mr. Wiseman has also been the President of the Company&#8217;s subsidiary, Ohio Valley Financial Services Agency, LLC, since March 2010.&#160; From 1980 until
        becoming the President and COO of the Company in 2010, Mr. Wiseman served as the President of The Wiseman Agency, Inc., a successful insurance and financial services company. The agency operates primarily in the same footprint as the Company, which
        gives Mr. Wiseman a unique perspective of the Company&#8217;s market.&#160; Mr. Wiseman has over 30 years of risk management experience, working with a variety of businesses from small retail stores to nationally recognized companies.&#160; He has extensive
        experience in analyzing risk as it related to financial statements.&#160; Mr. Wiseman has also served as the past President of the Independent Insurance Agents of Ohio, Gallia County Area Chamber of Commerce, Gallipolis Rotary Club, and Gallia County
        Community Improvement Corporation, of which he is currently a member.&#160; He has been a past director of the Independent Insurance Agents and Brokers of America, Southeastern Ohio Regional Council, University of Rio Grande (Emerson E. Evans School of
        Business), Century Surety Insurance Company, French Art Colony and Holzer Vanguard.&#160; Mr. Wiseman has been the past Chairman of the United Way of Gallia County and the Care Committee for new schools.&#160; Presently, he serves on the Holzer Health System
        Board and the Buckeye Hills Career Center Advisory Board.&#160; Mr. Wiseman served as the Company&#8217;s Lead Independent Director from 2005 until 2010.&#160; He is the Chairman of the Company&#8217;s Executive Committee and a member of the Management Enterprise Risk
        Committee.&#160; Mr. Wiseman is also a member of the following Bank committees: Executive (Chair), Asset Liability and Officers&#8217; Loan.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">None of the corporations or organizations by which a director has been employed in the last five years, except with respect to the employment by the Bank of Messrs. Miller and Wiseman, is a parent, subsidiary or other
        affiliate of the Company.&#160; The Board of Directors of the Company has determined that all of the directors except Messrs. Miller and Wiseman are &#8220;independent&#8221; under Rule 5605(a)(2) of the listing standards of The NASDAQ Stock Market, LLC
        (&#8220;Nasdaq&#8221;).&#160; In determining independence, the Board of Directors considered loan and deposit relationships with each director; fees paid to Mr. Saunders for legal services; Promissory Notes issued to Mr. Eastman and his family members; Promissory
        Notes issued to David W. Thomas&#8217;s parents (discussed in this proxy statement under the heading &#8220;Certain Relationships and Related Transactions&#8221;); and the positions held by each director with customers of the Bank.&#160; The rules of Nasdaq do not
        disqualify a director from being deemed independent as a result of these relationships.&#160; The Board of Directors does not believe such relationships interfere with the directors&#8217; exercise of independent judgment in carrying out their
        responsibilities as directors.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">There are no family relationships among any of the directors, nominees for election as directors, or executive officers of the Company.</div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div><br>
      </div>
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      </div>
      <div style="font-weight: bold;">Board Diversity Matrix</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The table below contains information regarding the diversity of our current Board of Directors:</div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" border="0" align="center" id="zbf1d21c4619c4607a76d44a5297f05ef" style="width: 80%; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">

          <tr>
            <td style="width: 100%; vertical-align: top; background-color: rgb(217, 217, 217); border-bottom: 2px solid rgb(0, 0, 0);" colspan="5">
              <div style="text-align: center; font-weight: bold;">Board Diversity Matrix (as of March 1, 2022)</div>
            </td>
          </tr>
          <tr>
            <td style="width: 40.46%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>Total Number of Directors</div>
            </td>
            <td style="width: 59.54%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="4">
              <div style="text-align: center;">10</div>
            </td>
          </tr>
          <tr>
            <td style="width: 40.46%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 12.52%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>&#160;</div>
              <div style="text-align: center; font-weight: bold;">Female</div>
            </td>
            <td style="width: 12.93%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>&#160;</div>
              <div style="text-align: center; font-weight: bold;">Male</div>
            </td>
            <td style="width: 16.04%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>&#160;</div>
              <div style="text-align: center; font-weight: bold;">Non-Binary</div>
            </td>
            <td style="width: 18.05%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-weight: bold;">Did Not Disclose</div>
              <div style="text-align: center; font-weight: bold;">Gender</div>
            </td>
          </tr>
          <tr>
            <td style="width: 40.46%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>Directors</div>
            </td>
            <td style="width: 12.52%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-weight: bold;">--</div>
            </td>
            <td style="width: 12.93%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">7</div>
            </td>
            <td style="width: 16.04%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-weight: bold;">--</div>
            </td>
            <td style="width: 18.05%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">3</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);" colspan="5">
              <div style="font-weight: bold;">Demographic Information</div>
            </td>
          </tr>
          <tr>
            <td style="width: 40.46%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>African American or Black</div>
            </td>
            <td style="width: 12.52%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">--</div>
            </td>
            <td style="width: 12.93%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">--</div>
            </td>
            <td style="width: 16.04%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">--</div>
            </td>
            <td style="width: 18.05%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">--</div>
            </td>
          </tr>
          <tr>
            <td style="width: 40.46%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
              <div>Alaskan Native or Native American</div>
            </td>
            <td style="width: 12.52%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center;">--</div>
            </td>
            <td style="width: 12.93%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center;">--</div>
            </td>
            <td style="width: 16.04%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center;">--</div>
            </td>
            <td style="width: 18.05%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center;">--</div>
            </td>
          </tr>
          <tr>
            <td style="width: 40.46%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>Asian</div>
            </td>
            <td style="width: 12.52%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">--</div>
            </td>
            <td style="width: 12.93%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">--</div>
            </td>
            <td style="width: 16.04%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">--</div>
            </td>
            <td style="width: 18.05%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">--</div>
            </td>
          </tr>
          <tr>
            <td style="width: 40.46%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
              <div>Hispanic or Latinx</div>
            </td>
            <td style="width: 12.52%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center;">--</div>
            </td>
            <td style="width: 12.93%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center;">--</div>
            </td>
            <td style="width: 16.04%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center;">--</div>
            </td>
            <td style="width: 18.05%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center;">--</div>
            </td>
          </tr>
          <tr>
            <td style="width: 40.46%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>Native Hawaiian or Pacific Islander</div>
            </td>
            <td style="width: 12.52%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">--</div>
            </td>
            <td style="width: 12.93%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">--</div>
            </td>
            <td style="width: 16.04%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">--</div>
            </td>
            <td style="width: 18.05%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">--</div>
            </td>
          </tr>
          <tr>
            <td style="width: 40.46%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
              <div>White</div>
            </td>
            <td style="width: 12.52%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center;">--</div>
            </td>
            <td style="width: 12.93%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center;">7</div>
            </td>
            <td style="width: 16.04%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center;">--</div>
            </td>
            <td style="width: 18.05%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center;">--</div>
            </td>
          </tr>
          <tr>
            <td style="width: 40.46%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>Two or More Races or Ethnicities</div>
            </td>
            <td style="width: 12.52%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">--</div>
            </td>
            <td style="width: 12.93%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">--</div>
            </td>
            <td style="width: 16.04%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">--</div>
            </td>
            <td style="width: 18.05%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">--</div>
            </td>
          </tr>
          <tr>
            <td style="width: 40.46%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
              <div>LGBTQ+</div>
            </td>
            <td style="width: 59.54%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);" colspan="4">
              <div style="text-align: center;">--</div>
            </td>
          </tr>
          <tr>
            <td style="width: 40.46%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>Did Not Disclose Demographic Background</div>
            </td>
            <td style="width: 59.54%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="4">
              <div style="text-align: center;">3</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div style="font-weight: bold;">Meetings of and Communications with the Board of Directors</div>
      <div style="text-indent: 36pt;"><br>
      </div>
      <div style="text-indent: 36pt;">The Board of Directors held a total of 14 meetings during 2021.&#160; Each incumbent director attended 75% or more of the aggregate of the total number of meetings held by the Board of Directors and the total number of
        meetings held by all committees of the Board of Directors on which the director served, in each case during the director&#8217;s period of service in 2021.&#160; In accordance with applicable Nasdaq rules, the independent directors meet in executive session
        as appropriate matters for their consideration arise.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Company encourages all incumbent directors and director nominees to attend each annual meeting of shareholders.&#160; All of the incumbent directors and director nominees who were directors at the time attended the
        Company&#8217;s last annual meeting of shareholders held on May 19, 2021.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Company has an informal process by which shareholders may communicate directly with directors.&#160; Any communication to the Board may be mailed to David W. Thomas, Lead Independent Director, in care of Investor
        Relations at the Company&#8217;s headquarters, P.O. Box 240, Gallipolis, Ohio 45631.&#160; The mailing envelope should contain a clear notation indicating that the enclosed letter is a &#8220;Shareholder-Board Communication&#8221; or &#8220;Shareholder-Director
        Communication.&#8221;&#160; There is no screening process, and all shareholder communications that are received for the Board&#8217;s attention will be forwarded to all directors.</div>
      <div style="text-align: justify;"><br>
      </div>
      <div style="text-align: justify; font-weight: bold;">Board Leadership Structure</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">Leadership succession is vital to the future health of the Company.&#160; In May 2012, the independent directors, upon recommendation of the Nominating and Corporate Governance Committee and consistent with the succession
        plan effective in January 2010 named President Thomas E. Wiseman with the additional responsibility of Chief Executive Officer of the Company and the Bank.&#160; In May 2015, the Board of Directors of the Company, upon recommendation of the Nominating
        and Corporate Governance Committee, named Larry E. Miller II Chief Operating Officer and Secretary of the Company and the Bank.&#160; In May 2019, the Board of Directors, upon recommendation of the Nominating and Corporate Governance Committee, named
        Larry E. Miller II President and Chief Operating Officer of the Company and the Bank.&#160; Thomas E. Wiseman retained the title of Chief Executive Officer.&#160; In May 2020, the Board of Directors, upon recommendation of the Nominating and Corporate
        Governance Committee, named Thomas E. Wiseman Chairman of the Board, while continuing as Chief Executive Officer of the Company and the Bank.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">In January 2010, the independent directors of the Company named David W. Thomas as the Lead Independent Director of the Company in an attempt to maintain and foster a strong independent presence on the Board of
        Directors. The Lead Independent Director presides at all meetings of the independent directors and is an Ex Officio member of all standing committees of the Company, including the Board Enterprise Risk Committee.&#160; His duties include making
        recommendations regarding the structure of the Board of Directors as well as committee meetings; assisting in establishing agendas of the Board of Directors; overseeing evaluations and performance of members of the Board of Directors; chairing
        executive sessions of the independent directors; and overseeing the Company&#8217;s shareholder communication policies and procedures.&#160; Additionally, he has the authority to call meetings of the independent directors of the Company.</div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageFooter">
          <div style="text-align: center;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman',Times,serif; font-size: 8pt; font-weight: normal; font-style: normal;">11</font></div>
          <div><br>
          </div>
        </div>
        <div style="page-break-after: always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
        <div id="DSPFPageHeader"></div>
      </div>
      <div style="text-indent: 36pt;">It is anticipated that Mr. Wiseman will retain the position of Chairman of the Board and Chief Executive Officer at the discretion of the Board of Directors, after which Mr. Miller will become Chief Executive Officer
        while continuing as President, and David W. Thomas will continue as Lead Independent Director.&#160; The Nominating and Corporate Governance Committee believes this arrangement takes advantage of the unique experience of Messrs. Wiseman and Miller, with
        the independence of Mr. Thomas, to ensure both management and Board succession for the long-term success of the Company and its subsidiaries.</div>
      <div><br>
      </div>
      <div style="text-align: justify; font-weight: bold;">Committees of the Board</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Board of Directors has five standing committees:&#160; the Audit Committee, the Compensation and Management Succession Committee, the Executive Committee, the Nominating and Corporate Governance Committee, and the Board
        Enterprise Risk Committee.</div>
      <div><br>
      </div>
      <div><u>Audit Committee </u></div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Audit Committee is comprised of Anna P. Barnitz, Kimberly A. Canady, Brent R. Eastman and David W. Thomas (Chair). <font style="font-weight: bold;">&#160;</font>The Board of Directors has determined that each member of
        the Audit Committee qualifies as independent under Rules 5605(a)(2) and 5605(c)(2) of the Nasdaq Listing Rules as well as under Rule 10A-3 promulgated under the Exchange Act.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Board of Directors believes that each member of the Audit Committee has substantial financial experience and is highly qualified to discharge such member&#8217;s duties.&#160; Additionally, the Board of Directors has
        determined that Anna P. Barnitz and David W. Thomas qualify as &#8220;audit committee financial experts&#8221; under the SEC&#8217;s rules, based on their training and experience.&#160; Mrs. Barnitz earned a Bachelor of Science degree in accounting and has experience as
        a Senior Auditor with a large banking institution followed by 33 years of practical accounting experience as the Treasurer and Chief Financial Officer of a multi-million dollar wholesale distributor and retailer.&#160; Mr. Thomas earned a Bachelor of
        Science degree in Business Administration and has 30 years of experience in bank supervision and regulation gaining diverse experience across a number of disciplines including accounting, finance, audit, risk management, regulatory compliance and
        corporate governance.&#160; Both Mrs. Barnitz and Mr. Thomas continue their financial literacy training through annual attendance at various audit and bank regulatory seminars and conferences where developments in financial reporting and audit standards
        are reviewed and discussed.&#160; The Board of Directors has determined that, as a result of the aforementioned training and experience, Mrs. Barnitz and Mr. Thomas are capable of (i) understanding accounting principles generally accepted in the United
        States (&#8220;US GAAP&#8221;) and financial statements, (ii) assessing the general application of US GAAP in connection with the accounting for estimates, accruals and reserves, (iii) analyzing and evaluating the Company&#8217;s consolidated financial statements,
        (iv) understanding internal control over financial reporting, and (v) understanding audit committee functions.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Audit Committee is organized and conducts its business pursuant to a written charter adopted by the Board of Directors.&#160; A current copy of the charter of the Audit Committee is posted on the Company&#8217;s website at <font style="color: #0000FF;"><u>www.ovbc.com/shareholder</u></font>.&#160; The Audit Committee annually reviews and reassesses the adequacy of its charter and recommends changes to the full Board as necessary.&#160; The Audit Committee&#8217;s primary duties and
        responsibilities are to:</div>
      <div style="text-indent: 36pt;"><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="za6f6dc165f13429396d85e021223a62c" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 6pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 54pt; vertical-align: top; align: right;">
                <div style="margin-left: 36pt; margin-bottom: 6pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="margin-bottom: 6pt;">oversee the accounting and financial reporting processes of the Company and its subsidiaries and audit of the Company&#8217;s financial statements;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z44b40b41d0be435b8abffeec0ec81648" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 6pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 54pt; vertical-align: top; align: right;">
                <div style="margin-left: 36pt; margin-bottom: 6pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="margin-bottom: 6pt;">serve as an independent and objective party to monitor the Company&#8217;s financial reporting process and internal control system;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z6bc1c25e8e564f59a58f02329af35eea" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 6pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 54pt; vertical-align: top; align: right;">
                <div style="margin-left: 36pt; margin-bottom: 6pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="margin-bottom: 6pt;">oversee the certification process and other laws and regulations impacting the Company&#8217;s quarterly and annual financial statements and related disclosure controls;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z5da20258982d471da8d86bcfd5795aac" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 6pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 54pt; vertical-align: top; align: right;">
                <div style="margin-left: 36pt; margin-bottom: 6pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="margin-bottom: 6pt;">review and appraise the audit efforts of the Company&#8217;s independent auditor and internal auditing department;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z53aed7a33f184a64919d313a6a51154c" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 6pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 54pt; vertical-align: top; align: right;">
                <div style="margin-left: 36pt; margin-bottom: 6pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="margin-bottom: 6pt;">provide an open avenue of communication among the Company&#8217;s independent auditor, financial and senior management, the internal auditing department, and the Board of Directors;</div>
              </td>
            </tr>

        </table>
      </div>
      <div style="text-indent: 36pt;">In addition, the Audit Committee reviews and pre-approves all audit and permitted non-audit services provided by the Company&#8217;s independent registered public accounting firm and ensures that the registered public
        accounting firm is not engaged to perform the specific non-audit services prohibited by law, rule or regulation.&#160; The Audit Committee will also carry out such other responsibilities as may be delegated to the Audit Committee by the full Board.</div>
      <div style="text-indent: 36pt;"> <br>
      </div>
      <div style="text-indent: 36pt;"> <br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageFooter">
          <div style="text-align: center;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman',Times,serif; font-size: 8pt; font-weight: normal; font-style: normal;">12</font></div>
          <div><br>
          </div>
        </div>
        <div style="page-break-after: always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
        <div id="DSPFPageHeader"></div>
      </div>
      <div style="text-indent: 36pt;"> <br>
      </div>
      <div style="text-indent: 36pt;">The Audit Committee held 14 meetings during the 2021 fiscal year.&#160; The Report of the Audit Committee for the 2021 fiscal year begins on page 27.</div>
      <div><br>
      </div>
      <div><u>Compensation and Management Succession Committee</u></div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Compensation and Management Succession Committee is comprised of Anna P. Barnitz (Chair), Brent R. Eastman, and Brent A. Saunders.&#160; The Board of Directors has determined that each member of the Compensation and
        Management Succession Committee qualifies as independent under current Nasdaq Listing Rule 5605(d)(2).</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Compensation and Management Succession Committee is organized and conducts its business pursuant to a written charter adopted by the Board of Directors.&#160; A current copy of the charter of the Compensation and
        Management Succession Committee is posted on the Company&#8217;s website at <font style="color: #0000FF;"><u>www.ovbc.com/shareholder</u></font>.&#160; The Compensation and Management Succession Committee periodically reviews and reassesses the adequacy of
        its charter and recommends changes to the full Board as necessary.&#160; The charter was last revised by the Board of Directors on February 22, 2022, upon recommendation of the Compensation and Management Succession Committee.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The purposes of the Compensation and Management Succession Committee are (i) to discharge certain of the Board&#8217;s responsibilities relating to compensation of the Company&#8217;s directors and executive officers; (ii) to
        oversee periodic and annual disclosures with respect to compensation, shareholder votes on compensation and frequency of compensation votes and prepare any periodic or annual report on director and executive compensation and related disclosures as
        may be required by applicable laws, rules and regulations; and (iii) to consider senior management succession and make recommendations to the Board with respect to plans for such succession.&#160; The Compensation and Management Succession Committee
        will also carry out such other responsibilities as may be delegated to it by the full Board.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Compensation and Management Succession Committee is responsible for reviewing and approving the corporate goals and objectives with respect to compensation of the Company&#8217;s executive officers (including the Chief
        Executive Officer), evaluating such executive officers&#8217; performance in light of those goals and objectives and determining compensation based on that evaluation.&#160; The Compensation and Management Succession Committee is also responsible for
        reviewing the Company&#8217;s incentive compensation programs and retirement plans, and recommending changes to such programs and plans to the Board of Directors as necessary.&#160; The Compensation and Management Succession Committee also reviews any
        severance or other termination arrangements to be entered into with the Company&#8217;s executive officers; reviews and recommends to the Board the compensation of directors; and can retain, oversee and terminate, at the Company&#8217;s expense, any
        compensation consultant, legal counsel or other advisor to assist the Committee in carrying out its obligations.&#160; In addition to compensation responsibilities, this committee is responsible for the annual review and compliance monitoring of the
        Stock Ownership and Retention Policy for the Company&#8217;s Board of Directors, and is charged with addressing plans for senior management succession and making recommendations to the Board of Directors with respect to selection and retention of
        executive officers.</div>
      <div style="text-indent: 36pt; margin-top: 12pt; margin-bottom: 12pt;">In 2011, the Company adopted a salary grade structure that was developed with the assistance of Blanchard Consulting Group.&#160; The Compensation Committee engaged the Blanchard
        Consulting Group again in 2017 to conduct an external market base compensation review in order to update salary grade midpoints in that structure with changes that had occurred in the market.&#160; In 2019, the Company brought this process in-house by
        purchasing Payfactors, a web-based system.&#160; Using Payfactors, the Company benchmarked selected jobs in order to update midpoints in the salary grade structure, which continues to serve as the basis for executive compensation.&#160; The Compensation and
        Management Succession Committee periodically retains a consultant to assist with the establishment of executive compensation.</div>
      <div style="text-indent: 36pt;">The Compensation and Management Succession Committee held six meetings during the 2021 fiscal year.&#160; The Report of the Compensation and Management Succession Committee on executive compensation relating to the 2021
        fiscal year begins on page 17.</div>
      <div><br>
      </div>
      <div><u>Executive Committee</u></div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Executive Committee is comprised of Anna P. Barnitz, Larry E. Miller II, Brent A. Saunders, David W. Thomas and Thomas E. Wiseman (Chair).&#160; The Executive Committee is authorized to act in the intervals between
        meetings of the directors on matters delegated by the full Board.&#160; There was one meeting held by the Executive Committee of the Company during the 2021 fiscal year; however, the Executive Committee of the Bank held 36 meetings.</div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageFooter">
          <div style="text-align: center;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman',Times,serif; font-size: 8pt; font-weight: normal; font-style: normal;">13</font></div>
          <div><br>
          </div>
        </div>
        <div style="page-break-after: always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
        <div id="DSPFPageHeader"></div>
      </div>
      <div><br>
      </div>
      <div><u>Nominating and Corporate Governance Committee</u></div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Nominating and Corporate Governance Committee consists of Edward J. Robbins, Brent A. Saunders (Chair) and David W. Thomas.&#160; The Board of Directors has determined that each member of the Nominating and Corporate
        Governance Committee qualifies as independent under Nasdaq Listing Rule 5605(a)(2).&#160; The purposes of the Nominating and Corporate Governance Committee are to:</div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="zbd656474b60844958e0042fc26667cd9" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 6pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 54pt; vertical-align: top; align: right;">
                <div style="margin-left: 36pt; margin-bottom: 6pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="margin-bottom: 6pt;">identify and select, or recommend for the Board&#8217;s selection, qualified director nominees for each meeting of the Company&#8217;s shareholders at which directors are elected;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z1fbaeebd8d624e2a997fe8e5fd52ccc8" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 6pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 54pt; vertical-align: top; align: right;">
                <div style="margin-left: 36pt; margin-bottom: 6pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="text-align: justify; margin-bottom: 6pt;">recommend to the Board qualified individuals to fill vacancies on the Board;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="zcd08a01c87bc44cf876066c605386097" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 6pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 54pt; vertical-align: top; align: right;">
                <div style="margin-left: 36pt; margin-bottom: 6pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="text-align: justify; margin-bottom: 6pt;">recommend to the Board the directors that shall serve on each committee of the Board; and</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z04a08f5d6b174dbaa54b6e141bf04ed4" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 54pt; vertical-align: top; align: right;">
                <div style="margin-left: 36pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="text-align: justify;">undertake such other responsibilities as may be referred to the Committee by the Board.</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div style="text-indent: 36pt; margin-right: 0.7pt;">The Nominating and Corporate Governance Committee is organized and conducts its business pursuant to a written charter adopted by the Board of Directors.&#160; A current copy of the charter of the
        Nominating and Corporate Governance Committee is posted on the Company&#8217;s website at <font style="color: #0000FF;"><u>www.ovbc.com/shareholder</u></font>.&#160; The Nominating and Corporate Governance Committee periodically reviews and reassesses the
        adequacy of its charter and recommends changes to the full Board as necessary.&#160; The Nominating and Corporate Governance Committee held six meetings during the 2021 fiscal year.</div>
      <div><br>
      </div>
      <div><u>Board Enterprise Risk Committee</u></div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Board Enterprise Risk Committee consists of Anna P. Barnitz, Kimberly A. Canady, Brent R. Eastman and David W. Thomas (Chairman).</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Board Enterprise Risk Committee is organized and conducts its business pursuant to a written charter adopted by the Board of Directors.&#160; At least annually, the Board Enterprise Risk Committee reviews and reassesses
        the adequacy of its charter and recommends changes to the full Board as necessary.&#160; The Board Enterprise Risk Committee&#8217;s primary duties and responsibilities are to:</div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="zda274953271b4caa9300551f10c148a4" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 54pt; vertical-align: top; align: right;">
                <div style="margin-left: 36pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>oversee the Company&#8217;s policies, procedures and practices relating to the Company&#8217;s enterprise-wide risks;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z32cb890a019b4960b764611c30704847" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 54pt; vertical-align: top; align: right;">
                <div style="margin-left: 36pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>assess current and emerging material risks and provide review and approval of established risk tolerances;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="zeeb75cc261844761a73f45ca6f1cab94" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 54pt; vertical-align: top; align: right;">
                <div style="margin-left: 36pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>oversee the Company&#8217;s compliance with applicable laws and regulations; and</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="zcf52d9863a0242079f8d297909f23d79" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 54pt; vertical-align: top; align: right;">
                <div style="margin-left: 36pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>oversee material pending litigation in which the Company is involved.</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The business of banking has been and will continue to be centered on the management of risk.&#160; The Board of Directors proactively oversees management&#8217;s implementation and enforcement of the Company&#8217;s risk management
        policies and procedures.&#160; The Board&#8217;s risk oversight responsibility is primarily administered through the Board Enterprise Risk Committee.&#160; The Board Enterprise Risk Committee meets quarterly to ensure that the Company is taking appropriate steps
        to identify, measure, monitor, and control risks as identified in the Company&#8217;s Enterprise Risk Management Policy. This policy addresses the composition and control of the Company&#8217;s overall risk management program and establishes standards for
        liquidity, market, credit, operational, cybersecurity, legal, reputational, and strategic risks and for others that may emerge in the future.&#160; The Enterprise Risk Management Policy is supplemented by various other Company policies that further
        address the specific risk categories to which they pertain.&#160; Additionally, the Enterprise Risk Management Policy provides for proper reporting through senior management to the Board Enterprise Risk Committee and/or the full Board of Directors.&#160; The
        committee routinely receives reports from the Chief Risk Officer as well as other Bank personnel within the Risk Management Department. The Chairman of the Board and the Chief Executive Officer also serve as Ex Officio members of the committee.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Board of Directors has established a Management Enterprise Risk Committee whose members are the senior management team of the Company.&#160; It is the responsibility of the Management Enterprise Risk Committee, in
        conjunction with the Risk Management Department, to implement and enforce the risk management policies of the Company on a day-to-day basis.&#160; Periodically, management completes the Federal Financial Institutions Examination Council&#8217;s Cybersecurity
        Assessment Tool to self-identify and measure the risk and maturity level of the Company&#8217;s cybersecurity efforts.&#160; Results of this assessment are reported to the Management Enterprise Risk and Board Enterprise Risk Committees.&#160; In addition, multiple
        third parties, including external auditors, are used to validate the Company&#8217;s current cybersecurity practices to the Board.&#160; Actions of the Management Enterprise Risk Committee are routinely monitored and reported to the Board Enterprise Risk
        Committee.</div>
      <div><br>
      </div>
      <div><br>
      </div>
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          <div style="text-align: center;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman',Times,serif; font-size: 8pt; font-weight: normal; font-style: normal;">14</font></div>
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          </div>
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      </div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Board of Directors recognizes that no policy can anticipate all the conditions, situations and opportunities that may arise during the normal course of operations.&#160; Therefore, the Board of Directors expects
        management to exercise prudent judgment in the day-to-day implementation of the Company&#8217;s risk management policies.</div>
      <div><br>
      </div>
      <div style="font-weight: bold;">Nominating Procedures</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">As described above, the Company has a standing Nominating and Corporate Governance Committee that has the responsibility to identify and recommend individuals qualified to become directors.&#160; The Nominating and
        Corporate Governance Committee evaluates the qualifications and performance of incumbent directors before deciding to recommend them for re-election to the Board. The Nominating and Corporate Governance Committee recommended the nominees for
        election as directors at the Annual Meeting.&#160; When considering potential candidates for the Board, the Nominating and Corporate Governance Committee strives to assure that the composition of the Board, as well as its practices and operation,
        contribute to value creation and to the effective representation of the Company&#8217;s shareholders.&#160; Although the Company does not have a formal diversity policy, the Nominating and Corporate Governance Committee is guided by its charter in fulfilling
        its responsibility to identify and recommend individuals qualified to become directors.&#160;&#160; The Nominating and Corporate Governance Committee considers it essential that the Board, as a whole, should be diverse with respect to skills, experience,
        perspective, age, background and geography as these criteria relate to the Company&#8217;s market area and the financial services industry. The Nominating and Corporate Governance Committee may consider the above factors as it deems appropriate in
        evaluating director candidates.&#160;&#160; Depending upon the current needs of the Board, certain factors may be weighed more or less heavily by the Nominating and Corporate Governance Committee.<font style="font-weight: bold;">&#160; </font>From time to time,
        the Nominating and Corporate Governance Committee may deem it prudent to recruit individuals with education and expertise in a specific discipline, such as accounting, finance or law.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">In considering candidates for the Board, the Nominating and Corporate Governance Committee evaluates the entirety of each candidate&#8217;s credentials and does not have any specific minimum qualifications that must be met
        by a Nominating and Corporate Governance Committee-recommended nominee.&#160; However, the Nominating and Corporate Governance Committee does believe that all members of the Board should have the highest character and integrity; a reputation for working
        constructively with others; sufficient time to devote to Board matters; and no conflict of interest that would interfere with performance as a director.&#160; Additionally, the Company is a highly-regulated institution and all director candidates are
        subject to the requirements of applicable federal and state banking laws and regulations.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Nominating and Corporate Governance Committee considers candidates for the Board from any reasonable source, including recommendations from shareholders and existing directors.&#160; The Nominating and Corporate
        Governance Committee does not evaluate candidates differently based on who has made the recommendation.&#160; The Nominating and Corporate Governance Committee has the authority to hire and pay a fee to consultants or search firms to assist in the
        process of identifying and evaluating candidates.&#160; No such consultants or search firms have been used to date and, accordingly, no fees have been paid to consultants or search firms.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">Shareholders may recommend director candidates for consideration by the Nominating and Corporate Governance Committee by writing to the Chairman of the Nominating and Corporate Governance Committee, currently Mr.
        Saunders, at the Company&#8217;s executive offices, P.O. Box 240, Gallipolis, Ohio 45631. The recommendation should give the candidate&#8217;s name, age, business address, residence address, principal occupation or employment and number of common shares
        beneficially owned.&#160; The recommendation should also describe the qualifications, attributes, skills or other qualities of the recommended director candidate.&#160; A written statement from the candidate consenting to be named as a director candidate
        and, if nominated and elected, to serve as a director should accompany any such recommendation.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">Shareholders who wish to nominate an individual for election as a director at an annual meeting of the shareholders of the Company must also comply with the Company&#8217;s Code of Regulations regarding shareholder
        nominations.&#160; Shareholder nominations must be made in writing and delivered or mailed to the President of the Company, currently Mr. Miller, at the Company&#8217;s executive offices, P.O. Box 240, Gallipolis, Ohio 45631, not less than 14 days nor more
        than 50 days prior to any meeting of shareholders called for the election of directors.&#160; However, if less than 21 days&#8217; notice of the meeting is given to the shareholders, the nomination must be mailed or delivered to the President not later than
        the close of business on the seventh day following the day on which the notice of the meeting was mailed to the shareholders.&#160; Each nomination must contain the following information to the extent known by the nominating shareholder:&#160; (i) the name
        and address of each proposed nominee; (ii) the principal occupation of each proposed nominee; (iii) the total number of common shares of the Company that will be voted for each proposed nominee; (iv) the name and residence address of the nominating
        shareholder; (v) the number of common shares of the Company beneficially owned by the nominating shareholder; and (vi) any other information required to be disclosed with respect to a nominee for election as a director under the proxy rules
        promulgated under the Exchange Act.&#160; Nominations not made in accordance with the Company&#8217;s Code of Regulations will not be considered.</div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageFooter">
          <div style="text-align: center;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman',Times,serif; font-size: 8pt; font-weight: normal; font-style: normal;">15</font></div>
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          </div>
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      </div>
      <div><br>
      </div>
      <div><u>Hedging Policy</u></div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">Although the Company generally permits hedging transactions, its Insider Trading Policy prohibits any director, officer or employee from purchasing the Company&#8217;s stock on margin, short selling the Company&#8217;s stock or
        buying or selling puts or calls of the Company&#8217;s stock.&#160; Further, the Company requires that any transactions that may violate the Insider Trading Policy, including certain hedging transactions, must be approved ahead of time by the President or
        Secretary to ensure they do not otherwise violate the Insider Trading Policy.</div>
      <div><br>
      </div>
      <div><u>Stock Ownership and Retention Policy</u></div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Board of Directors of the Company adopted a Stock Ownership and Retention Policy for its directors in 2021.&#160; The purpose of the policy is to align the long-term interests of the Company&#8217;s directors whose tenure
        begins after September 21, 2021, with those of the shareholders of the Company and to help mitigate potential risk-taking behavior.&#160; The policy requires that the affected directors maintain ownership of at least 2,500 Company common shares.&#160;
        Directors have up to five years from the date of election to achieve this ownership requirement.&#160; Once the ownership requirement is met, affected directors are expected to maintain the ownership amount throughout their service on the Board of
        Directors.&#160; In order to assist each affected Director to achieve the share ownership requirement, the Company will withhold 50% of all director fees paid to such director and apply the fees toward broker-assisted, open-market purchases of Company
        common shares on the director&#8217;s behalf.</div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div style="text-align: center; font-weight: bold;">COMPENSATION OF EXECUTIVE OFFICERS AND DIRECTORS</div>
      <div><br>
      </div>
      <div style="text-align: center; font-weight: bold;">Executive Officers</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The following are the executive officers of the Company:</div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" id="zb5f68bd1d3b54e7c948795d3207d3b5d" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 20.3%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>&#160;</div>
              <div>Name</div>
            </td>
            <td style="width: 5.87%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>&#160;</div>
              <div style="text-align: center;">Age</div>
            </td>
            <td style="width: 73.83%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center;">Position(s) Held with the Company</div>
              <div style="text-align: center;">and its Principal Subsidiaries</div>
            </td>
          </tr>
          <tr>
            <td style="width: 20.3%; vertical-align: top;">&#160;</td>
            <td style="width: 5.87%; vertical-align: top;">&#160;</td>
            <td style="width: 73.83%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 20.3%; vertical-align: top;">&#160;</td>
            <td style="width: 5.87%; vertical-align: top;">&#160;</td>
            <td style="width: 73.83%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 20.3%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Thomas E. Wiseman</div>
            </td>
            <td style="width: 5.87%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">63</div>
            </td>
            <td style="width: 73.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Chairman of the Board and Chief Executive Officer of the Company and the Bank since May 2020.&#160; Chief Executive Officer of the Company and the Bank from May 2019 to May 2020; President and Chief Executive Officer of the Company and the
                Bank from May 2012 to May 2019; President and Chief Operating Officer of the Company and the Bank from January 2010 to May 2012; Chairman of the Executive Committee of the Company and the Bank since January 2010; Director of the Company&#8217;s
                subsidiary, Loan Central, Inc. from May 2011 to May 2018; Vice President of the Company&#8217;s subsidiary, OVBC Captive, Inc., since July 2014; and Director of the Bank&#8217;s subsidiary, Race Day Mortgage, Inc. since April 2021.&#160; President of The
                Wiseman Agency, Inc., from 1980 until January 2010.</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" id="zd9624db1e46d4873b81746bb3c41d907" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 20.3%; vertical-align: top;">
              <div>Scott W. Shockey</div>
            </td>
            <td style="width: 5.87%; vertical-align: top;">
              <div style="text-align: center;">52</div>
            </td>
            <td style="width: 73.83%; vertical-align: top;">
              <div>Senior Vice President and Chief Financial Officer of the Company and Executive Vice President and Chief Financial Officer of the Bank since May 2014; Vice President and Chief Financial Officer of the Company and Senior Vice President and
                Chief Financial Officer of the Bank from December 2004 to May 2014; Assistant Treasurer of the Company from April 2001 to December 2004; Vice President and Chief Financial Officer of the Bank from April 2001 to December 2004; Vice President
                of the Company&#8217;s subsidiary, OVBC Captive, Inc., since July 2014; and Director, Secretary and Treasurer of the Bank&#8217;s subsidiary, Race Day Mortgage, Inc. since April 2021.</div>
              <div>&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 20.3%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Larry E. Miller II</div>
            </td>
            <td style="width: 5.87%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">57</div>
            </td>
            <td style="width: 73.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>President and Chief Operating Officer of the Company and the Bank since May 2019; Chief Operating Officer and Secretary of the Company and the Bank from May 2015 to May 2019; Senior Vice President and Secretary of the Company from
                December 2007 to May 2015; Executive Vice President-Operations and Secretary of the Bank from December 2014 to May 2015; Executive Vice President and Secretary of the Bank from December 2007 to December 2014; Senior Vice President and
                Treasurer of the Company from April 2000 to December 2007; Executive Vice President and Treasurer of the Bank from April 2000 to December 2007; and Chairman of the Board of the Company&#8217;s subsidiary, Loan Central, Inc. since May 2012,
                serving as a Director since April 2000.</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageFooter">
          <div style="text-align: center;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman',Times,serif; font-size: 8pt; font-weight: normal; font-style: normal;">16</font></div>
          <div><br>
          </div>
        </div>
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      </div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 20.3%; vertical-align: top;">
              <div>Tom R. Shepherd</div>
            </td>
            <td style="width: 5.87%; vertical-align: top;">
              <div style="text-align: center;">56</div>
            </td>
            <td style="width: 73.83%; vertical-align: top;">
              <div>Senior Vice President and Secretary of the Company and Executive Vice President and Secretary of the Bank since May 2019; Vice President of the Company from April 2004 to May 2019; Senior Vice President, Chief Deposit Officer of the Bank
                from May 2008 to May 2019; and Senior Vice President, Retail Deposit Group of the Bank from April 2004 to May 2008.</div>
              <div>&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 20.3%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Bryan F. Stepp</div>
            </td>
            <td style="width: 5.87%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center;">59</div>
            </td>
            <td style="width: 73.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Senior Vice President of the Company and Executive Vice President, Lending/Credit of the Bank since September 2020; Vice President of the Company from December 2008 to September 2020; Senior Vice President, Chief Lending Officer of the
                Bank from January 2018 to September 2020; Senior Vice President and Chief Credit Officer of the Bank from August 2017 to January 2018; Senior Vice President and Chief Lending Officer of the Bank from December 2014 to August 2017; Senior
                Vice President, Chief Credit Officer of the Bank from December 2012 to December 2014; Senior Vice President, Corporate Banking West Virginia of the Bank from July 2010 to December 2012; Senior Vice President, Commercial Lending of the Bank
                from December 2008 to July 2010; Vice President, Business Development Officer of the Bank from June 2008 to December 2008; and Director and President of the Bank&#8217;s subsidiary, Race Day Mortgage, Inc. since April 2021.</div>
            </td>
          </tr>

      </table>
      <div style="text-align: center;"><br>
      </div>
      <div><br>
      </div>
      <div style="text-align: center; font-weight: bold;">Compensation Program</div>
      <div><br>
      </div>
      <div style="text-align: justify; font-weight: bold;">Overview of Compensation Program</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The executive officers of the Company receive no compensation from the Company.&#160; Instead, they are paid by subsidiaries for services rendered in their capacities as executive officers of subsidiaries of the Company.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Compensation and Management Succession Committee (the &#8220;Compensation Committee&#8221;) is responsible for reviewing and approving goals and objectives relevant to the compensation of the Company's executive officers
        (including the named executive officers), evaluating such executive officers' performance in light of those goals and objectives and determining compensation based on that evaluation.&#160; As part of that responsibility, the Compensation Committee
        reviews the Company's bonus program as well as retirement plans and recommends changes to such programs and plans to the Board of Directors, as necessary.&#160; The Compensation Committee believes the goals and objectives relevant to the compensation of
        the Company&#8217;s employees, including executive officers, do not incent excessive risk taking and are not reasonably likely to create a material adverse effect on the Company.&#160;&#160; The Company continues to face numerous risks, as do all institutions,
        which could threaten its value.&#160; The most prominent of these risks are credit, interest rate, liquidity, strategic, operational and reputational risk.&#160; The Compensation Committee believes the risk management controls currently in place in
        conjunction with performance goals that properly balance earnings growth and asset quality effectively address the risks inherent in the current economic environment.&#160; The Compensation Committee also has responsibility for reviewing any severance
        or other termination arrangements to be entered into with the Company's executive officers.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Compensation Committee makes all compensation decisions regarding the named executive officers, and the Compensation Committee's charter does not provide for delegation of its responsibilities.&#160; The Compensation
        Committee utilizes data and reports prepared or assembled by management in conjunction with the utilization of a web-based service.&#160; The web-based service provides information that includes, but is not limited to, peer analysis of comparable
        financial industry job grades, merit adjustments, and base salary and/or total compensation benchmarking report primarily for Ohio and the Midwest Region of the United States.&#160; Our Corporate Secretary works with the Compensation Committee Chair in
        establishing the agenda for Compensation Committee meetings.&#160; The Chief Executive Officer and Chief Operating Officer regularly attend meetings to brief the Compensation Committee on the Company&#8217;s overall performance.&#160; With respect to developing
        compensation packages, annually the Chief Executive Officer reviews the performance of each executive officer (excluding his own and that of the Chief Operating Officer) by comparing results achieved to established goals as well as the overall
        performance of the Company as compared to Board approved corporate performance goals.&#160; This data, along with salary data derived from the Company&#8217;s wage and salary administration plan, are the bases for his recommendations to the Compensation
        Committee with respect to the compensation of the other executive officers, including base salary adjustments and annual bonus payments. The Compensation Committee considers the Chief Executive Officer&#8217;s recommendations and uses its own discretion
        in making the final compensation decisions.&#160; The Compensation Committee regularly conducts executive sessions, without the presence of management, in fulfilling its responsibilities pursuant to its charter.</div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
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          <div style="text-align: center;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman',Times,serif; font-size: 8pt; font-weight: normal; font-style: normal;">17</font></div>
          <div><br>
          </div>
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      <div><br>
      </div>
      <div style="font-weight: bold;">Compensation Philosophy and Objectives</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The objectives of the compensation programs of the Company and its subsidiaries are that:</div>
      <div><br>
      </div>
      <div>
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                <div style="margin-left: 36pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>compensation of the Company's executive officers and non-executive officers should be directly linked to corporate operating performance;</div>
                <div><br>
                </div>
              </td>
            </tr>

        </table>
      </div>
      <div>
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              <td style="width: auto; vertical-align: top;">
                <div>executive officers and non-executive officers should receive fair and equitable compensation for their respective levels of responsibility and supervisory authority compared to their peers within the Company as well as their peers
                  within the financial services industry; and</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div>
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                <div style="margin-left: 36pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>compensation of the Company&#8217;s executive officers and non-executive officers should not incent excessive risk taking nor be reasonably likely to have a material adverse effect on the Company.</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font>The Company utilizes a comprehensive wage and salary administration plan for all employees, including executive officers, of the
        Company and its subsidiaries.&#160; That plan consists of a job grading process for all jobs in the Company, a performance appraisal process, and a periodic base salary and/or total compensation benchmarking process to determine compensation market
        ranges for all job grades.&#160; The Company believes that it is essential to attracting and retaining qualified officers in its industry that compensation be competitive with that of other companies within the industry.&#160; In order to motivate such
        individuals to perform to the best of their abilities in furthering the Company's goals, the Company also believes there must be an opportunity for such officers to benefit personally from increased efforts and the Company's achievement of its
        goals.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Compensation Committee, in conjunction with the Lead Director, annually conducts a performance appraisal to evaluate the performance of Messrs. Wiseman and Miller in achieving the expected requirements of their
        jobs.&#160; The Compensation Committee reviews the performance appraisals of the other named executive officers that are conducted by their supervisors.&#160; The Compensation Committee seeks to ensure that an employee whose performance "meets" expectations
        will, over time, receive cash compensation at or near the midpoint of the market range for similar jobs in the financial services industry.&#160; An employee whose performance "exceeds" or "far exceeds" expectations will move faster within the pay range
        than an employee whose performance "meets" expectations.&#160; An employee whose performance "does not meet expectations" is not eligible for a merit increase.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Board of Directors adjusts compensation programs over time to support the Company's business goals.&#160; At the beginning of each year, the Board of Directors establishes Company goals with respect to various
        performance measures.&#160; In January of each year, the Compensation Committee evaluates the performance of the Company relative to the goals and makes a recommendation to the Board with respect to employee bonuses.</div>
      <div><br>
      </div>
      <div>
        <div style="text-indent: 36pt;">The Company has adopted a salary grade structure. In 2019, the Company brought the compensation benchmarking process in-house by licensing Payfactors, a web-based system.&#160; The Company benchmarked 125 jobs in 2020 and
          another 35 in 2021 and plans to begin benchmarking each job every other year, using the Payfactors system.&#160; During the benchmarking process, the Company is able to analyze information regarding compensation information of the Company&#8217;s regional
          and national peer banks, including salary grade midpoints, performance data, number of employees, revenue and other factors, and conduct a cost of living and average salary analysis through Payfactors. The Compensation Committee used the
          information derived from Payfactors in 2020 and 2021, the employee performance appraisals and the extent of achievement of Company goals in determining compensation for 2021.</div>
        <div><br>
        </div>
      </div>
      <div style="text-indent: 36pt;">When the Compensation Committee considered compensation to be paid to executive officers for 2022, the Compensation Committee considered the say-on-pay vote held in May 2021, where over 95% of the votes cast on named
        executive officer compensation were voted to approve the executive compensation disclosed in the proxy statement.&#160; The Compensation Committee recognized that the shareholder vote indicated shareholder support for the Board&#8217;s compensation philosophy
        and practice.</div>
      <div><br>
      </div>
      <div><br>
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      </div>
      <div style="font-weight: bold;">Executive Compensation Components and Analysis</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The components of the compensation program currently are: a base salary, a bonus, retirement plans and insurance benefits.&#160; Other than the employee stock ownership plan, the Company has no equity-based compensation
        plans.</div>
      <div><br>
      </div>
      <div><u>Base Salary</u></div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The objective of the base salary component of the cash compensation plan is to provide predictable and reliable cash compensation sufficient to attract and retain motivated officers and to recognize and reward
        individual performance.&#160; In fulfilling that objective, the Compensation Committee desires that each employee, including each named executive officer, who achieves an overall performance evaluation of &#8220;meets expectations&#8221; should, over time, receive
        a base salary at or near the midpoint of the marketplace range.</div>
      <div><br>
      </div>
      <div><u>Bonuses</u></div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The objectives of the bonus component of the Company's compensation program are to: (i) motivate executive officers and other employees and reward such persons for the accomplishment of both annual and long range goals
        of the Company and its subsidiaries, (ii) reinforce a strong performance orientation with differentiation and variability in individual awards based on contribution to long-range business results and (iii) provide a fully competitive compensation
        package that will attract, reward, and retain individuals of the highest quality.&#160; Typically, all employees of the Company's subsidiaries holding positions with a pay grade of 9 or above are eligible to participate in the bonus program, including
        all of the named executive officers.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">Bonuses payable to participants in the bonus program are based on (i) the performance of the Company and its subsidiaries as measured against specific performance targets; and (ii) each employee's individual
        performance.&#160; &#160; At the beginning of each fiscal year, the Compensation Committee sets specific performance targets for the Company and its subsidiaries based on a combination of some or all of a number of performance criteria.&#160; The targets are
        based on one or more of the following performance criteria: net income, net income per share, return on assets, return on equity, asset quality (as measured by the ratio of adversely classified assets to tier 1 capital plus the ALLL), tier 1
        leverage ratio and efficiency ratio.&#160; It is the objective of the Compensation Committee to establish goals that are &#8220;reaching&#8221; but &#8220;reachable.&#8221;&#160; The Compensation Committee may not consider the goals to be of equal weight, but, in the aggregate, it
        considers them to be fundamental metrics which are important to the long-term performance of the Company and which, at the same time, do not expose the Company to, nor incent the employees to undertake, excessive risks which would threaten the
        Company&#8217;s long-term value.&#160; At the end of the fiscal year, the aggregate amount available for the payment of a bonus, if any, is determined by the Company&#8217;s Board of Directors upon recommendation of its Compensation Committee based on an evaluation
        of the accomplishment of the performance targets.&#160; A bonus may be paid without targets having been established or achieved.&#160; No officer or employee has any right to the payment of a bonus until the Board of Directors has exercised its discretion to
        award one and the amount to be paid to each person has been determined and announced.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">Once the aggregate amount of the bonus pool is determined, individual bonus awards, for eligible employees in grades 11 and below, are typically determined through a formula that applies each employee's performance
        evaluation score to a &#8220;bonus grid,&#8221; reflecting the individual employee's job grade and individual job performance using the performance criteria referenced above.&#160; For employees in grades 12 and above, individual bonus awards are determined by the
        level of achievement by the Company and its subsidiaries of some or all of a number of previously mentioned performance metrics. Upon the recommendation of the Compensation Committee, and if approved by the Board, individual bonus awards for grades
        12 and above are typically awarded as a percent of base compensation.&#160; Employees are evaluated by their supervisors, except for Messrs. Wiseman and Miller, who are evaluated by the Compensation Committee.&#160; The Company&#8217;s Board of Directors approves
        the bonuses payable to the executive officers under the bonus program based upon the recommendation of the Compensation Committee.&#160; For 2021 bonus amounts, goals were based on net income, the efficiency ratio and asset quality.</div>
      <div><br>
      </div>
      <div><u>Executive Retirement Plans</u></div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Board of Directors has established several retirement plans, in order to provide competitive compensation arrangements to attract talented employees and to provide a valuable incentive to retain talented employees
        once employed.&#160; These plans, described below, offer an additional level of confidence that the executive officers, including the named executive officers, can focus exclusively on their responsibilities as executive officers during their working
        lives and be assured that they can maintain a reasonable standard of living in retirement.</div>
      <div><br>
      </div>
      <div><br>
      </div>
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      <div style="text-indent: 36pt;"><u>Executive Deferred Compensation Plan</u>.&#160; The Company maintains a nonqualified executive deferred compensation plan for all of the Company's executive officers and certain other officers.&#160; The deferred compensation
        plan is strictly voluntary.&#160; Participants in the plan, upon reaching age 65, are eligible to receive a distribution of their contributions, plus accrued interest earned at a designated rate on reinvestment of the contributions.&#160; In 2021, the rate
        paid was 2.09%.&#160; The Board of Directors annually reviews and updates the assumed earnings crediting rate to a rate no greater than the lesser of Moody&#8217;s 20 year AA corporate bond rate and 120% of the long term applicable federal rate (the &#8220;AFR&#8221;).&#160;
        If a participant dies before reaching age 65 and the participant qualifies, the distribution will be made to the participant's designated beneficiary in an amount equal to what the participant would have accumulated if the participant had reached
        age 65 and had continued to make contributions to the plan.&#160; The Company believes that the cost of providing the benefit will be offset by earnings on and/or proceeds from life insurance contracts associated with the benefit.&#160; Each executive may
        defer up to $10,000 each year.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;"><u>Supplemental Executive Retirement Agreements</u>.&#160; The Company maintains a nonqualified supplemental executive retirement agreement (a &#8220;SERP&#8221;) for each of Mr. Wiseman, Mr. Miller and Mr. Shockey.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Bank and Mr. Wiseman executed a SERP for the benefit of Mr. Wiseman, effective March 6, 2012.&#160; Mr. Wiseman&#8217;s SERP is an unfunded arrangement maintained to provide supplemental retirement benefits for Mr. Wiseman.&#160;
        Pursuant to the SERP, if Mr. Wiseman is still employed by the Bank or any of its affiliated entities upon reaching the age of 65, or if before Mr. Wiseman reaches the age of 65, he becomes disabled or there is a change in control of the Bank (each
        as defined in the SERP), the Bank will commence paying to Mr. Wiseman at age 65 a monthly payment for the remainder of his life in the amount that will be paid from certain annuities fully owned by the Bank.&#160; At the time of Mr. Wiseman's death,
        whether before or after reaching the age of 65, Mr. Wiseman's beneficiary will be paid the amount that should have been accrued by the Bank to date under generally accepted accounting principles for the payment of the benefits under the SERP in 120
        equal monthly installments.&#160; Mr. Wiseman will not be entitled to any benefit in the event that he ceases to be employed by the Bank or another entity affiliated with the Bank, for any reason other than death, disability or change in control, before
        he reaches age 65.&#160; The projected annual retirement benefit is $245,900.&#160; The Bank retains the right to sell or surrender the annuities purchased by the Bank to fund the SERP.&#160; The Bank may establish a rabbi trust and contribute the funds for the
        SERP to such trust, which will remain subject to the rights of creditors of the Bank.&#160; The Bank is required to establish such a trust if it sells or surrenders the annuities.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Bank executed a SERP with each of Mr. Miller, effective December 1, 2015, and Mr. Shockey, effective May 1, 2020.&#160; If the employment of either executive is terminated on or after age 65 for any reason other than
        termination for &#8220;cause&#8221;, they receive the following annual benefit, which is paid monthly for 20 years: Mr. Miller- $170,468, and Mr. Shockey- $168,178.&#160; Cause consists of gross negligence, gross neglect of duty, commission of a felony or gross
        misdemeanor involving moral turpitude, or fraud, disloyalty, dishonesty or willful violation of any law or significant Company policy committed in connection with the executive&#8217;s employment and resulting in an adverse effect on the Company.</div>
      <div><br>
      </div>
      <div><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font>Under each SERP, if the executive&#8217;s employment is terminated after he reaches age 60 or 20 years of service but before age 65, and
        other than for death or disability, the Company will pay the executive an amount equal to the Company&#8217;s accrued liability for the Company&#8217;s liability.&#160; The payments will be made monthly for 20 years. The same benefit will be paid to the executive
        upon termination due to disability or involuntary termination before age 65, other than for cause or death.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">If the executive dies before separation from service and disability, his beneficiary will be entitled to annual payments for 20 years, which equal $170,468 per year for Mr. Miller and $168,178 per year for Mr.
        Shockey.&#160; If the executive were to retire during 2021, he would be eligible to receive early retirement benefits under his SERP in the annual amount of $64,317 for Mr. Miller and $15,264 for Mr. Shockey.&#160; Neither executive will be entitled to a
        benefit if he terminates his employment before age 60 or 20 years of service for any reason other than death, disability, or involuntary termination.</div>
      <div><br>
      </div>
      <div><u>Director Retirement Plan</u></div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">Participants in the Director Retirement Plan, upon reaching age 70, are eligible to receive the greater of 50% of the director&#8217;s three prior years&#8217; average total annual or monthly fees or 50% of any consecutive three
        prior year&#8217;s average total annual or monthly fees.&#160; The benefit is payable for 240 months&#160; If a director dies during active service, payment will be made to the director's designated beneficiary in an amount equal to what the director would have
        received had the director reached age 70, except the benefit term will be reduced to 60 months.&#160; If the director dies during the payment of benefits, payment will be made to the director's designated beneficiary for the lesser of the remaining term
        or 60 additional months.&#160; The Company believes that the cost of providing the benefit will be offset by earnings on and/or proceeds from life insurance contracts associated with the benefit.&#160; As directors, Messrs. Wiseman and Miller are
        participants in the Director Retirement Plan.&#160; If Mr. Wiseman had retired at December 31, 2021, his monthly payment would have been $897 for 240 months.&#160; If he had died on that date, the monthly benefit would have been $897 for 60 months.&#160; If Mr.
        Miller had retired at December 31, 2021, his monthly payment would have been $883 for 240 months.&#160; If he had died on that date, the monthly benefit would have been $883 for 60 months.&#160; Lead Director Fees or other special director fees, if any, are
        not included in the calculation of benefits under the Director Retirement Plan. The Board of Directors began the Director Retirement Plan in 1996 to encourage an age certain retirement date for Board members as a method of planning director
        succession.</div>
      <div><br>
      </div>
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      </div>
      <div><u>Director Deferred Fee Plan</u></div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Company makes available a nonqualified director deferred fee agreement for each of the Company&#8217;s directors.&#160; The director deferred fee plan is strictly voluntary.&#160; At the annual meeting following the participant&#8217;s
        70<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> birthday, the participant is eligible to receive a distribution of the director&#8217;s contributions, plus accrued interest earned at a designated rate on reinvestment of the contributions.&#160; In 2021, the rate paid was 2.09%. The Board of
        Directors annually reviews and updates the assumed earnings crediting rate to a rate no greater than the lesser of Moody&#8217;s 20 year AA corporate bond rate and 120% of the long-term AFR.&#160; Generally, if a participant dies before the annual meeting
        following the participant&#8217;s 70<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> birthday, and the participant qualifies, the distribution will be made to the participant&#8217;s designated beneficiary in an amount equal to what the participant would have accumulated if the participant had
        lived until the annual meeting following the participant&#8217;s 70<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> birthday and had continued to make contributions to the plan.&#160; Mr. Eastman&#8217;s agreement provides for a death benefit equal to his accrued balance if he dies prior to the
        annual meeting following his 70<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> birthday.&#160; Although Mr. Wiseman does not currently defer fees under this plan, he is still a participant with amounts in the plan earning interest. The Company believes that the cost of providing the
        benefit will be offset by earnings on and/or proceeds from life insurance contracts associated with the benefit.&#160; Each director may defer up to $10,000 each year, less any amount deferred under the Executive Deferred Compensation Plan.</div>
      <div><br>
      </div>
      <div><u>Executive Life Insurance</u></div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">In addition to optional life insurance that the Company makes available to all employees, the Company maintains life insurance on each of the named executive officers of the Company on which the Company paid the entire
        premium upon purchase.&#160; The Company is the sole owner of each policy, but the Company has entered into an agreement with each named executive officer agreeing to provide to such officer's designated beneficiary from the proceeds of the policy an
        amount equal to the lesser of (i) two times the officer's highest total annual compensation during any calendar year, including the year of the officer's death, or (ii) the face amount of the life insurance policy.&#160; The Company agrees not to sell,
        surrender or transfer the policy without giving the officer the option to purchase the policy for the fair market value of the policy.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The following table sets forth the amount that would have been payable for each named executive officer covered by Executive Life Insurance at December 31, 2021:</div>
      <div style="text-indent: 36pt;"> <br>
      </div>
      <div style="text-indent: 36pt;"> <br>
      </div>
      <div style="text-indent: 36pt;">
        <table cellspacing="0" cellpadding="0" border="0" align="center" id="z46e537c0fb6f4cf58578f54eda79211a" style="width: 50%; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">

            <tr>
              <td style="width: 50%; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);">
                <div> <br>
                </div>
                <div> Name</div>
              </td>
              <td style="width: 50%; border-bottom: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);">
                <div style="text-align: center;">Benefit at</div>
                <div style="text-align: center;">December 31, 2021</div>
              </td>
            </tr>
            <tr>
              <td style="width: 50%; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
                <div>Thomas E. Wiseman</div>
              </td>
              <td style="width: 50%; border-bottom: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);">
                <div style="text-align: center;">&#160;$957,487.00</div>
              </td>
            </tr>
            <tr>
              <td style="width: 50%; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
                <div>Larry E. Miller II</div>
              </td>
              <td style="width: 50%; border-bottom: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);">
                <div style="text-align: center;">&#160;$780,332.00</div>
              </td>
            </tr>
            <tr>
              <td style="width: 50%; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
                <div>Scott W. Shockey</div>
              </td>
              <td style="width: 50%; border-bottom: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);">
                <div style="text-align: center;">&#160;$498,246.00</div>
              </td>
            </tr>

        </table>
      </div>
      <br>
      <div><u>Director Life Insurance</u></div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Company maintains a life insurance policy for all Directors, with a death benefit of two times annual director fees at time of death reduced by 35% at age 65 and 50% at age 70.&#160; The life insurance policies
        terminate upon retirement.&#160; Messrs. Miller and Wiseman, as employees of a subsidiary of the Company, are excluded from this benefit under the terms of the Company's group term life insurance program.</div>
      <div><br>
      </div>
      <div><u>Retirement Plans for All Employees</u></div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;"><u>Profit Sharing Retirement Plan</u>.&#160; The Company sponsors a qualified Profit Sharing Retirement Plan for all of its employees, including the named executive officers.&#160; Each employee who is at least 21 years of age,
        has completed 1,000 hours and one year of service to the Company or a subsidiary, and is employed on the last day of the plan year is qualified to participate in the Profit Sharing Retirement Plan.&#160; The Board of Directors determines the amount to
        contribute to the Profit Sharing Retirement Plan each December in its discretion based on the performance and financial condition of the Company.&#160; In 2021, the Compensation Committee contributed 1.60% of total Company payroll to the Profit Sharing
        Retirement Plan.&#160; Each eligible participant received a pro rata share of the Company&#8217;s contribution as well as a pro rata share of reallocated forfeitures (such pro rata share, in each case, based upon such participant's eligible compensation).&#160;
        The named executive officers' share of the 2021 contribution and reallocated forfeitures is reported in the Summary Compensation Table on page 23.</div>
      <div><br>
      </div>
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      </div>
      <div style="text-indent: 36pt;"><u>401(k) Retirement Plan</u>.&#160; The Company sponsors a qualified 401(k) Plan under the Profit Sharing Retirement Plan.&#160; Participants' qualifications are identical to those of the Profit Sharing Retirement Plan.&#160; In
        cases where participants made deferrals to the 401(k) Plan, the Company made a matching contribution equal to 25% of the amount deferred by each employee, up to a maximum deferral amount of 6% not to exceed 1.50% of the participant's eligible plan
        compensation under the 401(k) Plan. The named executive officers' share of the 2021 contribution and reallocated forfeitures is reported in the Summary Compensation Table on page 23.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;"><u>Employee Stock Ownership Plan</u>.&#160; The Company sponsors an employee stock ownership plan (the &#8220;ESOP&#8221;) for all of its employees, including the named executive officers.&#160; Participant qualifications are identical to
        those of the Profit Sharing Retirement Plan.&#160; The Board of Directors determines the amount to contribute to the ESOP each January in its discretion based on the performance and financial condition of the Company.&#160; In January, 2022, the Board of
        Directors voted to contribute 3.75% of total Company payroll to the ESOP.&#160; Each participant's share of contributions and reallocated forfeitures is also identical to those of the Profit Sharing Retirement Plan.&#160; The named executive officers' share
        of the 2021 contributions and reallocated forfeitures is reported in the Summary Compensation Table on page 23.</div>
      <div><br>
      </div>
      <div><u>Other Benefits</u></div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">Executive officers of the Company also receive benefits available to all employees, including group term life insurance, health insurance, short- and long-term disability, flexible benefits/cafeteria plan and optional
        life insurance.</div>
      <div><br>
      </div>
      <div style="font-weight: bold;">Tax Deductibility of Compensation</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">Section 162(m) of the Internal Revenue Code generally prohibits the Company from claiming a deduction on its federal income tax return for compensation in excess of $1 million paid in a given fiscal year to certain
        current and former executive officers.&#160; Neither the Company nor any subsidiary has a policy requiring that all compensation in 2021 and thereafter to the covered officers be deductible under Section 162(m).&#160; The Boards of Directors of the Company
        and the subsidiaries do, however, consider carefully the after-tax cost and value to the Company and the subsidiaries of all compensation.&#160; The Board of Directors believes that all compensation paid to covered persons in 2021 was fully deductible.</div>
      <div><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageFooter">
          <div style="text-align: center;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman',Times,serif; font-size: 8pt; font-weight: normal; font-style: normal;">22</font></div>
          <div><br>
          </div>
        </div>
        <div style="page-break-after: always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
        <div id="DSPFPageHeader"></div>
      </div>
      <div style="text-align: center; font-weight: bold;">Summary Compensation Table for 2021</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The following table summarizes the total compensation awarded to, paid to or earned by each of the named executive officers for the two fiscal years ended December 31, 2021:</div>
      <div style="text-indent: 288pt;"><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="zfa461ec0f9c245759f96164b28c1d4a8" class="cfttable">

          <tr>
            <td valign="bottom" style="vertical-align: top; border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center;">Name and Principal Position</div>
              <div>&#160;</div>
              <div>&#160;</div>
              <div>&#160;</div>
              <div>&#160;</div>
              <div>&#160;</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: top; border-top: 2px solid rgb(0, 0, 0);" colspan="2">
              <div style="text-align: center;">Year</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: top; border-top: 2px solid rgb(0, 0, 0);" colspan="2">
              <div style="text-align: center;">Salary</div>
              <div style="text-align: center;">($) (1)</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: top; border-top: 2px solid rgb(0, 0, 0);" colspan="2">
              <div style="text-align: center;">Bonus</div>
              <div style="text-align: center;">($) (2)</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: top; border-top: 2px solid rgb(0, 0, 0);" colspan="2">
              <div style="text-align: center;">Change in</div>
              <div style="text-align: center;">Pension Value</div>
              <div style="text-align: center;">and</div>
              <div style="text-align: center;">Nonqualified Deferred Compensation Earnings</div>
              <div style="text-align: center;">($) (3)</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: top; border-top: 2px solid rgb(0, 0, 0);" colspan="2">
              <div style="text-align: center;">All Other Compensation</div>
              <div style="text-align: center;"> ($) (4)</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: top; border-top: 2px solid rgb(0, 0, 0);" colspan="2">
              <div style="text-align: center;">Total ($)</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-right: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center;">(a)</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
              <div style="text-align: center;">(b)</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
              <div style="text-align: center;">(c)</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
              <div style="text-align: center;">(d)</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
              <div style="text-align: center;">(e)</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
              <div style="text-align: center;">(f)</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
              <div style="text-align: center;">(g)</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255); border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Thomas E. Wiseman</div>
              <div style="text-indent: 0pt; margin-left: 9pt; font-family: 'Times New Roman',Times,serif;">Chairman of the Board and</div>
              <div style="text-indent: 0pt; margin-left: 9pt; font-family: 'Times New Roman',Times,serif;">Chief Executive Officer</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
              <div style="text-align: center;">2021</div>
              <div style="text-align: center;">2020</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td style="vertical-align: middle; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
              <div>408,159</div>
              <div>374,850</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">
              <div>(5)</div>
              <div>(5)</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td style="vertical-align: middle; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
              <div>111,405</div>
              <div>96,874</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td style="vertical-align: middle; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
              <div>231,592</div>
              <div>215,238</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td style="vertical-align: middle; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
              <div>43,090</div>
              <div>52,307</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">
              <div>(6)</div>
              <div>(6)</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td style="vertical-align: middle; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
              <div>794,246</div>
              <div>739,269</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 28%; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-indent: -9pt; margin-left: 9pt;">Larry E. Miller II</div>
              <div style="text-indent: 0pt; margin-left: 9pt; font-family: 'Times New Roman',Times,serif;"> President and</div>
              <div style="text-indent: 0pt; margin-left: 9pt; font-family: 'Times New Roman',Times,serif;"> Chief Operating Officer</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div style="text-align: center;">2021</div>
              <div style="text-align: center;">2020</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>316,816</div>
              <div>285,077</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">
              <div>(5)</div>
              <div>(5)</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>81,506</div>
              <div>70,875</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>194,203</div>
              <div>180,188</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>30,774</div>
              <div>29,932</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">
              <div>(7)</div>
              <div>(7)</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>623,299</div>
              <div>566,072</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255); border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-indent: -9.35pt; margin-left: 9.35pt;">Scott W. Shockey</div>
              <div style="text-indent: -0.35pt; margin-left: 9.35pt; font-family: 'Times New Roman',Times,serif;">Senior Vice President and</div>
              <div style="text-indent: -0.35pt; margin-left: 9.35pt; font-family: 'Times New Roman',Times,serif;">Chief Financial Officer</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
              <div style="text-align: center;">2021</div>
              <div style="text-align: center;">2020</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
              <div>212,935</div>
              <div>198,483</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
              <div>45,057</div>
              <div>39,180</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
              <div>138,801</div>
              <div>87,035</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
              <div>24,049</div>
              <div>23,441</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">
              <div>(8)</div>
              <div>(8)</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
              <div>420,842</div>
              <div>348,139</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
          </tr>

      </table>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z3b80d0392b1f4a4daf8db17a74a0afee" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 36pt; vertical-align: top; align: right;">
                <div>(1)</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>Base salaries for the named executive officers are described on page 19.</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="zf397896c9da24f79a1b614bd5e5a4458" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 36pt; vertical-align: top; align: right;">
                <div>(2)</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>Bonuses for the named executive officers are described on page 19.</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="zcb7237ab3a8e4b7ba64982bb5050e9a8" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 36pt; vertical-align: top; align: right;">
                <div>(3)</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>The amounts in column (e) reflect the change in the actuarial present value of Messrs. Wiseman&#8217;s, Miller&#8217;s and Shockey&#8217;s benefits under their SERPs, and also the actuarial present value of Messrs. Wiseman&#8217;s and Miller&#8217;s benefits under
                  the Director Retirement Plan.&#160; Each plan is described on page 20, and the amounts for each are as follows:</div>
              </td>
            </tr>

        </table>
      </div>
      <div style="text-indent: 108pt; margin-left: 36pt;"><br>
      </div>
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          <tr>
            <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); width: 30%;">
              <div style="text-align: center;">Name</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); width: 1.21%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center;">Year</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); width: 1.21%;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); width: 1.21%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center;">Increase in</div>
              <div style="text-align: center;">Actuarial Present Value of</div>
              <div style="text-align: center;">SERP</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); width: 1.21%;" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); width: 1.21%;" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center;">Increase in</div>
              <div style="text-align: center;">Actuarial Present Value of</div>
              <div style="text-align: center;">Director Retirement Plan</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 30%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
              <div>Thomas E. Wiseman</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.21%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 20%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman',Times,serif; text-align: center;">2021</div>
              <div style="font-family: 'Times New Roman',Times,serif; text-align: center;">2020</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1.21%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.21%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td style="vertical-align: top; width: 2%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 20%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
              <div>222,570</div>
              <div>206,948</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1.21%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.21%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td style="vertical-align: top; width: 2%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 20%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); border-right: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>9,022</div>
              <div>8,290</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 30%; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
              <div>Larry E. Miller II</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.21%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 20%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman',Times,serif; text-align: center;">2021</div>
              <div style="font-family: 'Times New Roman',Times,serif; text-align: center;">2020</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1.21%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.21%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 2%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 20%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>185,893</div>
              <div>172,475</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1.21%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.21%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 2%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 20%; border-bottom: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>8,310</div>
              <div>7,713</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 30%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
              <div>Scott W. Shockey</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.21%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 20%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
              <div style="font-family: 'Times New Roman',Times,serif; text-align: center;">2021</div>
              <div style="font-family: 'Times New Roman',Times,serif; text-align: center;">2020</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1.21%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.21%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 2%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 20%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
              <div>138,801</div>
              <div>87,035</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1.21%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.21%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 2%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 20%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); border-right: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>--</div>
              <div>--</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z6923aed2005f4c488978c31e165c467c" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 36pt; vertical-align: top; align: right;">
                <div style="margin-top: 6pt;">(4)</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="margin-top: 6pt;">The amount shown in column (f) reflects for each named executive officer:</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="ze3310e871bcb4c5184da246a30e98102" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 72pt; vertical-align: top; align: right;">
                <div style="margin-left: 54pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>Company contributions and reallocated forfeitures under the Profit Sharing Retirement Plan, which is described on page 21.</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="zdc8f47c9ce0d430582ac673767a9fca2" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 72pt; vertical-align: top; align: right;">
                <div style="margin-left: 54pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>Company contributions and reallocated forfeitures under the 401(k) Plan, which is provided for under the Profit Sharing Retirement Plan and is described on pages 21 and 22.</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z3501648cbd7e42faac5e6f19be7fead9" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 72pt; vertical-align: top; align: right;">
                <div style="margin-left: 54pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>Company contributions and reallocated forfeitures under the Employee Stock Ownership Plan, which is described on page 22.</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z380c0663f73e4e4b837c2b1ebd115a71" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 72pt; vertical-align: top; align: right;">
                <div style="margin-left: 54pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>Reportable income related to executive life insurance, which is described on page 21.</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="zdb3cbf5de97b44d3bd8c4d30f1d1acd9" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 72pt; vertical-align: top; align: right;">
                <div style="margin-left: 54pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>Board designated Christmas Gift paid to all employees in November of each year in an amount equal to two weeks of the base salary of the employee.</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="za8517eafc86c40149f174141e5496a4d" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 72pt; vertical-align: top; align: right;">
                <div style="margin-left: 54pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>Instructor Fees for teaching a class to employees and Service Awards for being employed by the Bank for a certain number of years.</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div style="margin-top: 6pt;">(footnotes continued on next page)</div>
      <div><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageFooter">
          <div style="text-align: center;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman',Times,serif; font-size: 8pt; font-weight: normal; font-style: normal;">23</font></div>
          <div><br>
          </div>
        </div>
        <div style="page-break-after: always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
        <div id="DSPFPageHeader"></div>
      </div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z90ace8913c8a439ab026e18a54ef6c63" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 36pt; vertical-align: top; background-color: rgb(255, 255, 255);">
                <div>(5)</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>Includes director&#8217;s fees received by Messrs. Wiseman and Miller totaling $21,200 for each of them in each of 2021 and 2020.</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z72a00027c3324acab56936d8b38e1385" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 36pt; vertical-align: top; background-color: rgb(255, 255, 255);">
                <div>(6)</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>Includes Executive Committee Chairman fees received by Mr. Wiseman totaling $10,000 in 2021, and $20,000 in 2020; Company contributions and reallocated forfeitures under the Employee Stock Ownership Plan of $11,756 in 2021, and $12,339
                  in 2020; and a Christmas gift of $14,424 in 2021, and $13,664 in 2020.</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z6103284be3894556a103f1091da21af8" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 36pt; vertical-align: top; background-color: rgb(255, 255, 255);">
                <div>(7)</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>Includes Company contributions and reallocated forfeitures under the Employee Stock Ownership Plan received by Mr. Miller of $11,756 in 2021, and $12,339 in 2020; and a Christmas gift of $11,071 in 2021, and $10,246 in 2020.</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z09f7b3cc2d84404b96b0e466faabdbe8" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 36pt; vertical-align: top; background-color: rgb(255, 255, 255);">
                <div>(8)</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>Includes Company contributions and reallocated forfeitures under the Employee Stock Ownership Plan received by Mr. Shockey of $10,219 in 2021, and $10,035 in 2020.</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div style="text-align: center; font-weight: bold;">Post-termination or Change in Control Compensation</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">Neither the Company nor any of its subsidiaries has executed a separate employment, severance or change in control agreement with any of the executive officers of the Company.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">Certain compensation plans provide benefits payable upon termination.&#160; Benefits payable to the named executive officers upon termination under the Executive Deferred Compensation Plan and the Director Deferred Fee Plan
        are described under the heading &#8220;Compensation Program &#8211; Executive Retirement Plans &#8211; Executive Deferred Compensation Plan&#8221; and under the heading &#8220;Compensation Program &#8211; Executive Retirement Plans &#8211; Director Deferred Fee Plan&#8221;.&#160; Benefits payable to
        Mr. Wiseman, Mr. Miller, and Mr. Shockey under their SERPs are described under the heading &#8220;Compensation Program &#8211; Executive Retirement Plans &#8211; Supplemental Executive Retirement Agreements&#8221; on page 20.&#160; Benefits payable to Mr. Wiseman and Mr.
        Miller under the Director Retirement Plan are described under the heading &#8220;Compensation Program &#8211; Director Retirement Plan&#8221; on page 20.&#160; Benefits payable to named executive officers under executive and director life insurance policies are described
        under the heading &#8220;Compensation Program &#8211; Executive Life Insurance&#8221; on page 21 and &#8220;Compensation Program &#8211; Director Life Insurance&#8221; on page 21.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">Regardless of the manner in which a named executive officer's employment terminates, the officer will be entitled to receive amounts earned during his or her employment under the Profit Sharing Retirement Plan, the
        401(k) Plan and the ESOP.&#160; Named executive officers will also be entitled to benefits upon death or disability under group plans available to all employees of the Company or the Bank.</div>
      <div><br>
      </div>
      <div style="text-align: center; font-weight: bold;">Director Compensation</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">All of the directors of the Company also serve as directors of the Bank.&#160; Members of the Board of Directors of the Company receive compensation for their services rendered as directors of the Bank, not the Company.&#160; In
        2021, each director who was not an employee of the Company or any of its subsidiaries received $750 per month for his or her service as a member of the Board of Directors of the Bank.&#160; Directors who were employees of one of the subsidiaries of the
        Company received $350 per month in 2021 for their services.&#160; In addition, each director of the Bank received an annual retainer of $17,000 in 2021.&#160; This figure is pro-rated for time served for new or retiring members.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">In January 2010, the independent directors appointed David W. Thomas as Lead Independent Director.&#160; The Lead Independent Director&#8217;s responsibilities are to chair Board and committee meetings in the absence of the Chief
        Executive Officer as well as chair the monthly meetings of the independent directors.&#160; In addition to the fees outlined above, Mr. Thomas will receive $18,000 for his services as Lead Independent Director in 2022.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">Each non-employee director who was a member of the Executive Committee of the Bank (Anna P. Barnitz, Brent A. Saunders and David W. Thomas) received fees of $40,695 in 2021.&#160; This figure is pro-rated for time served
        for new and retired members.&#160; Executive Committee members who are employees of the Bank receive no compensation for serving on the Executive Committee, except for Thomas E. Wiseman, whose current salary includes $10,000 for his duties as Chairman
        of the Executive Committee.&#160; The Executive Committee of the Bank met 36 times in 2021.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Company maintains a life insurance policy for all directors with a death benefit of two times annual director fees at time of death, reduced by 35% at age 65 and 50% at age 70.&#160; The life insurance policies
        terminate upon retirement.&#160; Messrs. Miller and Wiseman, as employees of the Bank, are excluded from this benefit under the terms of the Bank&#8217;s group term life insurance program.</div>
      <div style="text-indent: 36pt;"> <br>
      </div>
      <div style="text-indent: 36pt;"> <br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageFooter">
          <div style="text-align: center;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman',Times,serif; font-size: 8pt; font-weight: normal; font-style: normal;">24</font></div>
          <div><br>
          </div>
        </div>
        <div style="page-break-after: always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
        <div id="DSPFPageHeader"></div>
      </div>
      <div style="text-indent: 36pt;"> <br>
      </div>
      <div style="text-indent: 36pt;">In December 1996, life insurance contracts were purchased by the Company for all directors and certain officers, and additional contracts have been purchased as new directors and officers have joined the Company.&#160; The
        Company is the owner of the contracts.&#160; The purpose of these contracts was to replace a current group life insurance program for executive officers, implement a deferred compensation plan for directors and executive officers, implement a director
        retirement plan, and implement a supplemental retirement plan for certain officers.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">For a description of the director retirement and deferred compensation agreements, see &#8220;Compensation Program &#8211; Director Retirement Plan&#8221; and &#8220;Compensation Program &#8211; Director Deferred Fee Plan&#8221;.</div>
      <div><br>
      </div>
      <div style="text-align: justify; text-indent: 36pt;">The following table summarizes the compensation paid to directors (except those included in the Summary Compensation Table) for the fiscal year ended December 31, 2021:</div>
      <div><br>
      </div>
      <div style="text-align: center; font-weight: bold;">Director Compensation for 2021</div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="zeb6622e031b546a78dbbd6e4c6e87813" class="cfttable">

          <tr>
            <td valign="bottom" style="vertical-align: top; border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center;">Name</div>
              <div>&#160;</div>
              <div>&#160;</div>
              <div>&#160;</div>
              <div>&#160;</div>
              <div>&#160;</div>
              <div style="text-align: center;"><br>
              </div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: top; border-top: 2px solid rgb(0, 0, 0);" colspan="2">
              <div style="text-align: center;">Fees Earned</div>
              <div style="text-align: center;">or</div>
              <div style="text-align: center;">Paid in Cash</div>
              <div style="text-align: center;">($)</div>
              <div> </div>
              <div> </div>
              <div style="text-align: center;"><br>
              </div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: top; border-top: 2px solid rgb(0, 0, 0);" colspan="2">
              <div style="text-align: center;">Change in Pension</div>
              <div style="text-align: center;">Value and Nonqualified</div>
              <div style="text-align: center;">Deferred Compensation</div>
              <div style="text-align: center;">Earnings</div>
              <div style="text-align: center;">($)</div>
              <div> </div>
              <div style="text-align: center;"><br>
              </div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: top; border-top: 2px solid rgb(0, 0, 0);" colspan="2">
              <div style="text-align: center;">All Other Compensation</div>
              <div style="text-align: center;">($)</div>
              <div> </div>
              <div> </div>
              <div> </div>
              <div> </div>
              <div style="text-align: center;"><br>
              </div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: top; border-right: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="2">
              <div style="text-align: center;">Total</div>
              <div style="text-align: center;">($)</div>
              <div> </div>
              <div> </div>
              <div> </div>
              <div> </div>
              <div style="text-align: center;"><br>
              </div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; text-align: center; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" rowspan="1">(a)</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell" rowspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); text-align: center;" colspan="2" rowspan="1">(b)</td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell" rowspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell" rowspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); text-align: center;" colspan="2" rowspan="1">(c) (1)</td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell" rowspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell" rowspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); text-align: center;" colspan="2" rowspan="1">(d) (2)</td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell" rowspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell" rowspan="1">&#160;</td>
            <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); text-align: center; border-right: 2px solid rgb(0, 0, 0);" colspan="2" rowspan="1">(e)</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 52.5%; background-color: rgb(204, 238, 255); border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div>Anna P. Barnitz</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9.07%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
              <div>66,695</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1.04%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9.07%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
              <div>8,882</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1.04%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9.07%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
              <div>289</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1.04%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9.07%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); border-right: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>75,866</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 52.5%; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div>Kimberly A. Canady</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9.07%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>26,000</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9.07%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>15,989</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9.07%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>112</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9.07%; border-bottom: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>42,101</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 52.5%; background-color: rgb(204, 238, 255); border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div>Brent R. Eastman</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9.07%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
              <div>26,000</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1.04%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9.07%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
              <div>10,558</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1.04%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9.07%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
              <div>212</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1.04%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9.07%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); border-right: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>36,770</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 52.5%; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div>Edward J. Robbins</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9.07%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>26,000</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9.07%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>10,987</div>
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            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9.07%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>112</div>
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            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9.07%; border-bottom: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>37,099</div>
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          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 52.5%; background-color: rgb(204, 238, 255); border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div>Edward B. Roberts</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9.07%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
              <div>8,667</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1.04%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9.07%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
              <div>--</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1.04%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9.07%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
              <div>9</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1.04%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9.07%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); border-right: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>8,676</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 52.5%; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div>Brent A. Saunders</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9.07%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>66,695</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9.07%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>13,459</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9.07%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>22,689</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">
              <div>(3)</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9.07%; border-bottom: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>102,843</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 52.5%; background-color: rgb(204, 238, 255); border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div>K. Ryan Smith</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9.07%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
              <div>13,000</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1.04%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9.07%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
              <div>--</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1.04%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9.07%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
              <div>28</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1.04%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9.07%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); border-right: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>13,028</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: bottom; width: 52.5%; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div>David W. Thomas</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9.07%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>84,695</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9.07%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>15,963</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9.07%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>239</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1.04%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9.07%; border-bottom: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>100,897</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div>
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            <tr>
              <td style="width: 36pt; vertical-align: top; align: right;">
                <div>(1)</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>Consists of the change during 2021 in the actuarial present value of the director&#8217;s accumulated benefit under the director retirement plan.</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div>
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            <tr>
              <td style="width: 36pt; vertical-align: top; align: right;">
                <div>(2)</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>Consists of the incremental cost of group term life insurance coverage on the lives of the directors, Service Awards for serving as a director for a certain number of years, and Instructor Fees for teaching a class to employees.</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div>
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            <tr>
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                <div>(3)</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>Includes retainer fees received by Mr. Saunders totaling $22,000 for legal services during 2021.</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div style="text-align: center; font-weight: bold;">CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">&#160;The Bank has had and expects to have in the future banking transactions in the ordinary course of the Bank's business with certain directors, officers and principal shareholders of the Company and entities with which
        they are associated.&#160; The Board of Directors has determined that all of the directors except Messrs. Miller and Wiseman are &#8220;independent&#8221; under the listing standards of Nasdaq.&#160; In determining independence, the Board of Directors considered loan
        and deposit relationships with each director or with persons related to or affiliated with the director; fees paid to Mr. Saunders for legal services; and promissory notes issued by the Company to Mr. Eastman, family members of Mr. Eastman and Mr.
        Thomas&#8217;s parents.&#160; The rules of Nasdaq do not disqualify a director from being deemed independent based on relationships.&#160; In addition, all loans by the Bank in which a &#8220;related person,&#8221; within the meaning of Item 404(a) of Regulation S-K of the
        SEC, had or will have a direct or indirect material interest since the beginning of fiscal year 2020 (i) were not disclosed as nonaccrual, past due, restructured or potential problems; (ii) were made in the ordinary course of business; (iii) were
        made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable loans with persons not related to the lender; and (iv) did not involve more than the normal risk of collectability or
        present other unfavorable features.&#160; As of the date of this proxy statement, all of such loans were performing loans.&#160; The Board of Directors does not believe such relationships interfere with the directors&#8217; exercise of independent judgment in
        carrying out their responsibilities as directors.</div>
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      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
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          <div style="text-align: center;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman',Times,serif; font-size: 8pt; font-weight: normal; font-style: normal;">25</font></div>
          <div><br>
          </div>
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          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
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      <div style="text-indent: 36pt;">Brent A. Saunders, LPA, received retainer fees of $22,000 for legal services to the Company and its subsidiaries during the Company&#8217;s 2021 fiscal year, as approved by the Board of Directors in December 2020.&#160; In
        December 2021, the Board of Directors approved the payment to Mr. Saunders of $22,000 in retainer fees for legal services to the Company and its subsidiaries during the Company&#8217;s 2022 fiscal year.&#160; The Board of Directors determined that such a
        relationship does not interfere with Mr. Saunders&#8217; exercise of independent judgment in carrying out his responsibilities as a director; rather, Mr. Saunders&#8217; legal experience provides value to his service as a director.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">From time to time, the Company accepts loans from various persons to raise funds for ongoing operations and to fund the growth of the Company and its subsidiaries.&#160; These loans are evidenced by promissory notes, which
        are sold by the Company in private placements to accredited investors without registration under the Securities Act of 1933, as amended.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">Since the beginning of 2020, the Company had outstanding at various times thirteen separate promissory notes to Mr. Eastman, his brother and a revocable trust with respect to which Mr. Eastman&#8217;s mother serves as
        trustee.&#160; Of the thirteen notes outstanding to Mr. Eastman and his family members, all were renewals of loans that had been made prior to 2020.&#160; The notes had terms ranging from one year to two years.&#160; Since January 1, 2020, principal in the amount
        of $360,000 was paid to Mr. Eastman&#8217;s brother for one note which matured in December 2020; and principal in the amount of $1,159,908 was paid to Mr. Eastman and his brother for two notes, both of which matured in May 2021.&#160; No other principal has
        been paid to the Eastmans on any of such notes since January 1, 2020.&#160; However, all interest has been paid and new notes were executed upon maturity.&#160; Five notes remained outstanding as of March 31, 2022.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The following table sets forth certain information regarding the notes issued by the Company to the Eastmans that were outstanding at any time since the beginning of 2020:</div>
      <div><br>
      </div>
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          <tr>
            <td valign="bottom" style="vertical-align: top; border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div>&#160;</div>
              <div>&#160;</div>
              <div>&#160;</div>
              <div>Name</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="2">
              <div style="text-align: center;">Largest Amount Outstanding Since January 1, 2020</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="2">
              <div> </div>
              <div style="text-align: center;">Amount Outstanding at</div>
              <div style="text-align: center;">March 31, 2022</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="2">
              <div> </div>
              <div style="text-align: center;">Principal</div>
              <div style="text-align: center;">Paid Since</div>
              <div style="text-align: center;">January 1, 2020</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="2">
              <div> </div>
              <div style="text-align: center;">Interest</div>
              <div style="text-align: center;">Paid Since</div>
              <div style="text-align: center;">January 1, 2020</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="2">
              <div> </div>
              <div> </div>
              <div> </div>
              <div style="text-align: center;">Interest Rate</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255); border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div>Brent R. Eastman and Kevin W. Eastman*</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>632,882</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>0</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>632,882</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>36,223</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>2.85</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">
              <div>%</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40%; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div>Sheila E. Eastman Revocable Trust</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>747,592</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>0</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>0</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>14,993</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>2.00</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">
              <div>%</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255); border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div>Brent R. Eastman</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>360,000</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>0</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>0</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>7,220</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>2.00</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">
              <div>%</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40%; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div>Kevin W. Eastman</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>360,000</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>0</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>360,000</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>7,220</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>2.00</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">
              <div>%</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255); border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div>Brent R. Eastman and Kevin W. Eastman*</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>527,026</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>0</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>527,026</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>6,558</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>1.25</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">
              <div>%</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40%; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div>Brent R. Eastman and Kevin W. Eastman*</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>530,720</div>
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            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>0</div>
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            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>0</div>
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            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>5,307</div>
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            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>1.00</div>
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            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">
              <div>%</div>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255); border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div>Brent R. Eastman and Kevin W. Eastman*</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>747,592</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>0</div>
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            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>0</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>7,517</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>1.00</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">
              <div>%</div>
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          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40%; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div>Brent R. Eastman</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>360,000</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>0</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>0</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>3,600</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>1.00</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">
              <div>%</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255); border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div>Brent R. Eastman</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>265,360</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>265,360</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>0</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>0</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>1.25</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">
              <div>%</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40%; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div>Kevin W. Eastman</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>265,360</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>265,360</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>0</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>0</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>1.25</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">
              <div>%</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255); border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div>Brent R. Eastman</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>373,796</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>373,796</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>0</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>0</div>
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            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>1.30</div>
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            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">
              <div>%</div>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40%; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div>Brent R. Eastman</div>
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            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>360,000</div>
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            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>360,000</div>
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            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>0</div>
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            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>0</div>
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            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>1.30</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">
              <div>%</div>
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          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255); border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div>Kevin W. Eastman</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>373,796</div>
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            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
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            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>373,796</div>
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            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>0</div>
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            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>0</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>1.30</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">
              <div>%</div>
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      </table>
      <div>&#160;&#160;&#160;&#160;&#160;&#160;&#160;* Assigned to Brent R. Eastman and Kevin W. Eastman by the Sheila E. Eastman Revocable Trust in April 2021</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Company also has one outstanding promissory note to Mr. Thomas&#8217;s parents that was issued in 2021.&#160; The note has a term of one year and remained outstanding as of March 31, 2022.&#160; The following table sets forth
        certain information regarding the notes issued by the Company to Mr. Thomas&#8217;s parents that were outstanding at any time since the beginning of 2020:</div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="zd99f75b36ca742cc95d3c812be28e972" class="cfttable">

          <tr>
            <td valign="bottom" style="vertical-align: top; border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div>&#160;</div>
              <div>&#160;</div>
              <div>&#160;</div>
              <div>Name</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="2">
              <div style="text-align: center;">Largest Amount Outstanding Since January 1, 2020</div>
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            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="2">
              <div> </div>
              <div style="text-align: center;">Amount Outstanding at</div>
              <div style="text-align: center;">March 31, 2022</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="2">
              <div> </div>
              <div style="text-align: center;">Principal</div>
              <div style="text-align: center;">Paid Since</div>
              <div style="text-align: center;">January 1, 2020</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="2">
              <div> </div>
              <div style="text-align: center;">Interest</div>
              <div style="text-align: center;">Paid Since</div>
              <div style="text-align: center;">January 1, 2020</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);" colspan="2">
              <div> </div>
              <div> </div>
              <div> </div>
              <div style="text-align: center;">Interest Rate</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255); border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div>Wendell B. Thomas and Lois A. Thomas</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
              <div>400,000</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
              <div>0</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
              <div>0</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
              <div>4,000</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" colspan="1" class="cftnumcell">
              <div>1.00</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">
              <div>%</div>
            </td>
          </tr>
          <tr>
            <td valign="bottom" style="vertical-align: top; width: 40%; border-left: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div>Wendell B. Thomas and Lois A. Thomas</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>500,000</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>500,000</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>0</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">
              <div>$</div>
            </td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>0</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftguttercell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftcurrcell">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1" class="cftnumcell">
              <div>1.00</div>
            </td>
            <td nowrap="nowrap" valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);" colspan="1" class="cftfncell">
              <div>%</div>
            </td>
          </tr>

      </table>
      <div><br>
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      <div style="text-align: center;"><br>
      </div>
      <div style="text-align: center; font-weight: bold;">PROXY ITEM 2:&#160; ADVISORY VOTE ON EXECUTIVE COMPENSATION</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, as codified in Section 14A of the Securities Exchange Act of 1934, and regulations of the SEC adopted under that Act, give the Company's
        shareholders an opportunity to vote to approve the compensation of our named executives as disclosed in this proxy statement.&#160; At the Annual Meeting of Shareholders of the Company held on May 10, 2017, <font style="color: #000000;">one of the
          matters voted upon by the shareholders of the Company was the non-binding advisory vote on the frequency of future non-binding advisory votes on executive compensation.&#160;At that time, shareholders voted to recommend non-binding advisory votes on
          executive compensation every year.</font>&#160; After consideration of such vote, the current policy of the Company&#8217;s Board of Directors is to provide a vote on approval of the compensation paid to the Company&#8217;s named executive officers annually.&#160;
        Accordingly, unless the Board changes the frequency of future votes, the next vote on approval of named executive officer compensation will occur at the 2023 Annual Meeting of Shareholders.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">Our named executive officers are those individuals included in the Summary Compensation Table on page 23 in this proxy statement.&#160; The compensation being approved is the compensation required to be disclosed in this
        proxy statement by the rules of the SEC, including the compensation described in the compensation program description, the compensation tables and any related material disclosed in this proxy statement.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">&#160;The vote is advisory in nature and therefore will not bind the Board of Directors to take any particular action.&#160; Nevertheless, if there is a significant vote against approval of the compensation, the Board of
        Directors intends to attempt to determine the reason for such negative votes and may make changes to executive compensation based on its findings.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Board of Directors has structured the Company's executive compensation program with the following objectives in mind:&#160; compensation should be directly linked to corporate operating performance, and all officers
        should receive fair and equitable compensation for their respective levels of responsibility and supervisory authority compared to their peers within the Company as well as their peers within the financial services industry.&#160; The Board of Directors
        urges you to read the section headed &#8220;Compensation Program&#8221; starting on page 17 of this proxy statement and the related compensation tables and narrative on pages 23 through 25.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Board of Directors is asking you to approve the following resolution, which will be submitted for a shareholder vote at the Annual Meeting:</div>
      <div><br>
      </div>
      <div style="margin-left: 36pt;">RESOLVED, that the compensation paid to the Company's named executive officers, as disclosed in the Company's proxy statement for the 2022 Annual Meeting of Shareholders pursuant to the compensation disclosure rules of
        the Securities and Exchange Commission, including the compensation tables and the related material, is hereby APPROVED.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt; font-weight: bold;">The Board of Directors unanimously recommends that you vote FOR approval of the compensation paid to the named executive officers.</div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div style="text-align: center; margin-left: 14.4pt; font-weight: bold;">AUDIT COMMITTEE MATTERS</div>
      <div><br>
      </div>
      <div><font style="font-weight: bold;">Report of the Audit Committee of the Board of Directors for the Fiscal Year Ended December 31, </font><font style="font-weight: bold; color: #000000;">202</font><font style="color: #000000;">1</font></div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Audit Committee has submitted the following report for inclusion in this proxy statement:</div>
      <div><br>
      </div>
      <div><u>Role of the Audit Committee, the Independent Registered Public Accounting Firm and Management</u></div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Audit Committee consists of four directors who qualify as independent under applicable Nasdaq rules as well as under Rule 10A-3 promulgated under the Exchange Act. The Audit Committee operates under a written
        charter adopted by the Board of Directors.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Audit Committee appoints the Company&#8217;s independent registered public accounting firm and oversees the Company&#8217;s financial and reporting processes on behalf of the Board of Directors.&#160; Management is responsible for
        the Company&#8217;s consolidated financial statements and its accounting and financial reporting processes, including the establishment and maintenance of an adequate system of internal control over financial reporting.&#160; Management is also responsible
        for preparing its report on the establishment and maintenance of, and assessment of the effectiveness of, the Company&#8217;s internal control over financial reporting.&#160; Crowe, the independent registered public accounting firm employed by the Company for
        the <font style="color: #000000;">2021 fiscal</font> year, is responsible for auditing the Company&#8217;s consolidated financial statements in accordance with the standards of the Public Company Accounting Oversight Board (United States) and issuing
        its report thereon based on such audit, and for reviewing the Company&#8217;s unaudited interim consolidated financial statements.&#160; The Audit Committee&#8217;s responsibility is to provide independent, objective oversight of these processes.</div>
      <div><br>
      </div>
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      </div>
      <div><u>Review and Discussion with Management and the Independent Registered Public Accounting Firm</u></div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">As part of its oversight responsibilities, the Audit Committee reviewed and discussed with management the audited consolidated financial statements of the Company for the year ended December 31, 2021, including a
        discussion of the quality, and not just the acceptability, of the accounting principles applied, the reasonableness of significant judgments and the clarity of disclosures in the audited financial statements.&#160; The Audit Committee also discussed
        with management the adequacy and effectiveness of the Company&#8217;s internal control over financial reporting and related accounting and financial controls.&#160; The Audit Committee also discussed with management the interim financial and other information
        contained in the Company&#8217;s earnings releases and SEC filings.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">&#160;The Audit Committee discussed with Crowe the matters required by the standards of the Public Company Accounting Oversight Board (United States), including those described in Statement on Auditing Standard No. 1301, as
        amended, as adopted by the Public Company Accounting Oversight Board, and, with and without management present, reviewed and discussed the results of Crowe&#8217;s examination of the Company&#8217;s consolidated financial statements.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Audit Committee also discussed with Crowe that firm&#8217;s independence from the Company and its management.&#160; The Audit Committee obtained from Crowe the written disclosures and the letter from Crowe required by
        applicable requirements of the Public Company Accounting Oversight Board regarding the independent accountant&#8217;s communication with the Audit Committee concerning independence.&#160; The Audit Committee discussed with Crowe any relationships or services
        that might affect that firm&#8217;s objectivity and satisfied itself as to Crowe&#8217;s independence.</div>
      <div><br>
      </div>
      <div><u>Management&#8217;s Representations and Audit Committee Recommendations</u></div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">Management has represented to the Audit Committee that the Company&#8217;s audited consolidated financial statements for the year ended December 31, <font style="color: #000000;">2021 were</font> prepared in accordance with
        accounting principles generally accepted in the United States.&#160; The Audit Committee has reviewed and discussed with management and Crowe the audited consolidated financial statements, and management&#8217;s report on the establishment and maintenance of,
        and assessments of the effectiveness of, the Company&#8217;s internal control over financial reporting.&#160; Based on the reviews and discussions outlined above, the Audit Committee recommended to the</div>
      <div>Board of Directors that the audited consolidated financial statements be included in the Company&#8217;s Annual Report on Form 10-K for the fiscal year ended December 31<font style="color: #000000;">, 2021.</font></div>
      <div><br>
      </div>
      <div>Submitted by:</div>
      <div>Audit Committee Members</div>
      <div><br>
      </div>
      <div>David W. Thomas, Chairman</div>
      <div>Anna P. Barnitz</div>
      <div>Kimberly A. Canady</div>
      <div>Brent R. Eastman</div>
      <div><br>
      </div>
      <div style="font-weight: bold;">Pre-Approval of Services Performed by Independent Registered Public Accounting Firm</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">Under applicable SEC rules, the Audit Committee is required to pre-approve the audit and non-audit services performed by the independent registered public accounting firm in order to assure that they do not impair that
        firm&#8217;s independence from the Company.&#160; The SEC&#8217;s rules specify the types of non-audit services that an independent registered public accounting firm may not provide to its audit client and establish the Audit Committee&#8217;s responsibility for
        administration of the engagement of the independent registered public accounting firm.&#160; Accordingly, the Audit Committee has adopted, and the Board of Directors has ratified, an Audit and Non-Audit Services Pre-Approval Policy (the &#8220;Pre-Approval
        Policy&#8221;), which sets forth the procedures and the conditions pursuant to which services proposed to be performed by the Company&#8217;s independent registered public accounting firm may be pre-approved.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The purpose of the Pre-Approval Policy is to set forth the procedures by which the Audit Committee intends to fulfill its responsibilities.&#160; It does not delegate the Audit Committee&#8217;s responsibilities to pre-approve
        services performed by the independent registered public accounting firm to management.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">Consistent with the SEC&#8217;s rules, the Pre-Approval Policy provides two different approaches to pre-approving services.&#160; Proposed services may either be pre-approved without consideration of specific case-by-case
        services by the Audit Committee (&#8220;general pre-approval&#8221;) or require the specific pre-approval of the Audit Committee (&#8220;specific pre-approval&#8221;).&#160; The combination of these two approaches in the Pre-Approval Policy results in an effective and
        efficient procedure to pre-approve services performed by the independent registered public accounting firm.&#160; As set forth in the Pre-Approval Policy, unless a type of service has received general pre-approval, it will require specific pre-approval
        by the Audit Committee if it is to be provided by the independent registered public accounting firm.&#160; Any proposed services exceeding pre-approved cost levels or budgeted amounts will also require specific pre-approval by the Audit Committee.</div>
      <div style="text-indent: 36pt;"> <br>
      </div>
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      <div><br>
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      <div style="text-indent: 36pt;">The Audit Committee may delegate either type of pre-approval authority to one or more of its members.&#160; The member to whom such authority is delegated must report, for informational purposes only, any pre-approval
        decisions to the Audit Committee at its next scheduled meeting.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">Appendices to the Pre-Approval Policy describe the services that have the general pre-approval of the Audit Committee.&#160; The term of any general pre-approval is 12 months from the date of pre-approval, unless the Audit
        Committee considers a different period and states otherwise.&#160; The Audit Committee will annually review and pre-approve the services that may be provided by the independent registered public accounting firm without obtaining specific pre-approval
        from the Audit Committee.&#160; The Audit Committee will add to or subtract from the list of general pre-approved services from time to time, based on subsequent determinations.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">All requests or applications for services to be provided by the independent registered public accounting firm that do not require specific approval by the Audit Committee will be submitted to the Company&#8217;s Audit
        Liaison and must include a detailed description of the services to be rendered.&#160; The Audit Liaison will determine whether such services are included within the list of services that have received the general pre-approval of the Audit Committee.&#160;
        The Audit Committee will be informed on a timely basis of any such services rendered by the independent registered public accounting firm.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">Requests or applications to provide services that require specific approval by the Audit Committee will be submitted to the Audit Committee by both the independent registered public accounting firm and the Audit
        Liaison, and must include a joint statement as to whether, in their view, the request or application is consistent with the SEC&#8217;s rules on auditor independence.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Audit Committee has designated the Audit Liaison to monitor the performance of all services provided by the independent registered public accounting firm and to determine whether such services are in compliance
        with the Pre-Approval Policy.&#160; The Audit Liaison will report to the Audit Committee on a periodic basis on the results of this monitoring.&#160; Both the Audit Liaison and management will immediately report to the chairman of the Audit Committee any
        breach of the Pre-Approval Policy that comes to the attention of the Audit Liaison or any member of management.</div>
      <div><br>
      </div>
      <div style="text-align: justify; font-weight: bold;">Services Rendered by Independent Registered Public Accounting Firm</div>
      <div><br>
      </div>
      <div><font style="font-weight: bold;">&#160;</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="color: #000000;">In December 2020</font>, the Audit Committee approved the rehiring of Crowe for a one-year-term for fiscal year <font style="color: #000000;">2021.&#160; All</font>
        of the services rendered by Crowe to the Company during <font style="color: #000000;">2021 and 2020</font> were pre-approved by the Audit Committee.&#160; Fees billed for services rendered by Crowe for each of <font style="color: #000000;">2021 and
          2020 were:</font></div>
      <div><br>
      </div>
      <div><font style="font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Audit Fees.</font>&#160; The aggregate fees billed by Crowe for the audit of the <font style="color: #000000;">consolidated</font> financial statements <font style="color: #000000;">and internal
          control over financial reporting (for 2020) included</font> in the Annual Report on Form 10-K <font style="color: #000000;">and</font> for the review of the<font style="color: #00B050;">&#160;</font><font style="color: #000000;">consolidated</font><font style="color: #00B050;">&#160;</font>financial statements included in our quarterly reports on Form 10-Q for our fiscal years ended December 31, <font style="color: #000000;">2021 and 2020,</font> were $<font style="color: #000000;">195,000 and</font>&#160;<font style="color: #000000;">$238,000,</font> respectively<font style="color: #C00000;">.&#160;</font></div>
      <div><br>
      </div>
      <div><font style="font-weight: bold; color: #FF0000;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font style="font-weight: bold; color: #000000;">Audit-Related Fees.</font><font style="color: #000000;">&#160; The aggregate fees billed in 2021 for services related to the
          audit of the 2020 consolidated financial statements outside of the normal scope of work, including additional procedures related to the COVID-19 pandemic were $18,375.&#160; Additional procedures conducted in 2021 include but are not limited to:
          goodwill impairment, review of PPP loans and fee income recognition, PPP loan confirmations, additional loan reviews, additional mortgage banking testing, review of application of CARES Act and interagency statement on deferrals, and testing of
          impact on the allowance for loan losses.&#160; The aggregate fees billed in 2020 for audit-related services, including consulting on accounting treatment related to revenue recognition were $9,700.&#160; Audit related fees for 2020 related to the
          accounting for the contract settlement with MetaBank were $3,500.</font></div>
      <div style="color: #000000;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</div>
      <div><font style="font-weight: bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Tax Fees.</font>&#160; The aggregate fees billed for professional services rendered by Crowe for tax preparation, tax compliance, and tax planning were $26,650 and $28,850 for 2021 and 2020,
        respectively.&#160;</div>
      <div><br>
      </div>
      <div><br>
      </div>
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      <div style="color: #000000;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;">All Other Fees.&#160;</font> Fees associated with professional services related to the captive insurance subsidiary were $22,800 in 2021 and $22,500 in 2020 for captive
        insurance subsidiary tax return preparation, and audit and preparation of captive financial statements.</div>
      <div style="text-align: center;"><br>
      </div>
      <div><br>
      </div>
      <div style="text-align: center;"><font style="font-weight: bold;">PROXY ITEM 3:</font>&#160;&#160; <font style="font-weight: bold;">RATIFICATION OF THE SELECTION OF CROWE</font></div>
      <div style="text-align: center; font-weight: bold;">AS THE INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt; margin-right: 30.25pt;">The Audit Committee has selected Crowe as the Company&#8217;s independent registered public accounting firm for fiscal year 2022.&#160; Crowe has served as the Company's independent registered public
        accounting firm since 1992.&#160; Although not required, shareholders are being asked to ratify the appointment of Crowe as the Company's independent registered public accounting firm for fiscal year 2022 as good corporate practice.&#160; The vote will not
        be binding on the Audit Committee.&#160; If the selection of Crowe is not ratified, the Audit Committee will reconsider but may decide to maintain the appointment of Crowe.&#160; Even if the selection is ratified by the shareholders, the Audit Committee may,
        in its discretion, retain a different independent registered public accounting firm at any time if such change would be in the best interests of the Company and its shareholders.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt; margin-right: 30.25pt;">Management of the Company expects that a representative of Crowe will be present at the Annual Meeting, will have the opportunity to make a statement if he or she so desires and will be available
        to respond to appropriate questions.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt; font-weight: bold;">The Board of Directors recommends a vote &#8220;FOR&#8221; the ratification of the selection of Crowe as the independent registered public accounting firm for fiscal year 2022.</div>
      <div><br>
      </div>
      <div style="text-align: center; font-weight: bold;">ANNUAL REPORT &#8211; FORM 10-K</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Company will provide without charge to any shareholder of record on March 25, 2022, on the written request of any such shareholder, a copy of the Company's Annual Report on Form 10-K, including financial statements
        and schedules thereto, required to be filed under the Exchange Act for the Company's fiscal year ended December 31, 2021.&#160; Such written request should be directed to Tom R. Shepherd, Secretary, Ohio Valley Banc Corp., P.O. Box 240, Gallipolis, Ohio
        45631, telephone number 1-800-468-6682 or 1-740-578-3211.</div>
      <div><br>
      </div>
      <div style="text-align: center; font-weight: bold;">PROXY STATEMENT PROPOSALS</div>
      <div><br>
      </div>
      <div>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Any proposals of shareholders intended to be included in the Company&#8217;s proxy statement for the 2023 Annual Meeting of Shareholders should be sent to the Company by certified mail and must be received not later than December 1,
        2022.&#160; In addition, if a shareholder intends to present a proposal at the 2023 Annual Meeting without including the proposal in the proxy materials related to that meeting, and if the proposal is not received by February 22, 2023, then the proxies
        designated by the Board of Directors of the Company for the 2023 Annual Meeting of Shareholders of the Company may vote in their discretion on any such proposal any shares for which they have been appointed proxies without mention of such matter in
        the proxy statement or on the proxy card for such meeting.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">Shareholders desiring to nominate candidates for election as directors at the 2023 Annual Meeting must follow the procedures described in &#8220;ELECTION OF DIRECTORS &#8211; Nominating Procedures.&#8221;</div>
      <div><br>
      </div>
      <div style="text-align: center; font-weight: bold;">HOUSEHOLDING INFORMATION</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">Each shareholder of record will receive a separate mailing of the Notice Regarding Internet Availability of Proxy Materials and, at a later date, a copy of that Notice, a proxy, and a return envelope.&#160; Each shareholder
        of record desiring a printed copy of the proxy materials must request such shareholder&#8217;s own copy.&#160; Such request should be directed to Tom R. Shepherd, Secretary, Ohio Valley Banc Corp., P.O. Box 240, Gallipolis, Ohio 45631, telephone number
        1-800-468-6682 or 1-740-578-3211.&#160; Beneficial shareholders whose shares are held by a bank, broker or other holder of record should request information about householding from such record holder.</div>
      <div><br>
      </div>
      <div><br>
      </div>
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          <div><br>
          </div>
        </div>
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      <div><br>
      </div>
      <div style="text-align: center; font-weight: bold;">OTHER MATTERS</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The only business the Company&#8217;s management intends to present at the Annual Meeting consists of the matters set forth in this proxy statement.&#160; The Company&#8217;s management knows of no other matters to be brought before
        the Annual Meeting by any other person or group.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">If any other matters should properly come before the Annual Meeting, the proxy holders will vote on those matters in their discretion.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">All duly executed proxies received will be voted.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">Please sign and date the proxy you will receive from the Company and mail it promptly, or you may submit your proxy electronically by going to <font style="color: #0000FF;"><u>www.cleartrustonline.com/ovbc</u></font>
        and following the instructions on that website or telephonically by calling 1-813-235-4490.</div>
      <div style="text-align: right;"> <br>
      </div>
      <div style="text-align: right;"> <br>
      </div>
      <div style="text-align: right;">BY ORDER OF THE BOARD OF DIRECTORS</div>
      <div style="text-align: right;"><img width="258" height="78" src="image1.jpg"></div>
      <div style="text-align: right;">Thomas E. Wiseman</div>
      <div style="text-align: right;">&#160;Chairman of the Board and Chief Executive Officer</div>
      <div style="text-align: right;"> <br>
      </div>
      <div><br>
      </div>
      <div style="text-align: right;"><img width="187" height="59" src="image2.jpg"></div>
      <div style="text-align: right;">Larry E. Miller II</div>
      <div style="text-align: right;">President and Chief Operating Officer</div>
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          <div><img width="70" height="76" src="image00003.jpg"></div>
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          <div style="font-style: italic; font-weight: bold;">OHIO VALLEY BANC CORP.</div>
          <div style="font-style: italic; font-weight: bold;">420 Third Avenue</div>
          <div style="font-style: italic; font-weight: bold;">P.O. Box 240</div>
          <div style="font-style: italic; font-weight: bold;">Gallipolis, OH&#160; 45631</div>
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          </div>
          <div><br>
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          <div style="text-indent: 288pt; font-family: 'Times New Roman',Times,serif; font-weight: bold;">No. of OVBC Shares:
            <div>Account No.</div>
          </div>
          <div><br>
          </div>
          <div style="text-align: justify; text-indent: 288pt;"><br>
          </div>
          <div style="text-align: justify; text-indent: 288pt; font-weight: bold;">Control Number:</div>
          <div><br>
          </div>
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          </div>
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          </div>
          <div><br>
          </div>
          <div><br>
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          <div><br>
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          <div>Please indicate any address change above.</div>
          <div><br>
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          <div>
            <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
          <div style="text-align: center; font-size: 14pt; font-weight: bold;">PROXY VOTING INSTRUCTIONS</div>
          <div>
            <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
          <div><br>
          </div>
          <div style="text-align: justify;">Shareholders of record have three ways to vote by proxy:</div>
          <div><br>
          </div>
          <div style="text-align: justify; font-weight: bold;"><u>By Internet</u></div>
          <div>Go to <u>www.cleartrustonline.com/ovbc</u>.&#160; Have your 12-digit Control Number available and follow the instructions.&#160; You will incur only your usual Internet access charges.</div>
          <div><br>
          </div>
          <div style="font-weight: bold;"><u>By Phone </u>&#8211; 1-813-235-4490</div>
          <div><br>
          </div>
          <div style="text-align: justify; font-weight: bold;"><u>By Mail</u></div>
          <div>Mark, sign and date this proxy on the reverse side and return in the enclosed envelope to:&#160; Stock Transfer Agent, ClearTrust LLC, 16540 Pointe Village Drive, Suite 205, Lutz, FL&#160; 33558-9909.</div>
          <div><br>
          </div>
          <div>Please note that the last instruction received, whether by Internet, phone, or mail, will be the instruction counted.</div>
          <div><br>
          </div>
          <div><br>
          </div>
          <div style="text-align: center; font-weight: bold;">Important Notice Regarding the Availability of Proxy Materials</div>
          <div style="text-align: center; font-weight: bold;">for the Shareholder Meeting to be held on May 18, 2022</div>
          <div><br>
          </div>
          <div>The Proxy Statement, sample proxy card and Annual Report to Shareholders for the 2022 Annual Meeting are available on the Company&#8217;s website at <u>www.ovbc.com/proxymaterials</u>.</div>
          <div><br>
          </div>
          <div>To obtain directions to attend the Annual Meeting and vote in person, please call Melissa P. Wooten, Assistant Vice President, Shareholder Relations Manager and Trust Officer, at 1-800-468-6682 or 1-740-578-3287.</div>
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          <div style="text-align: center; font-weight: bold;">OHIO VALLEY BANC CORP.</div>
          <div style="text-align: center; font-weight: bold;">PROXY FOR ANNUAL MEETING OF SHAREHOLDERS</div>
          <div style="text-align: center; font-weight: bold;">TO BE HELD ON MAY 18, 2022</div>
          <div><br>
          </div>
          <div style="text-align: center; font-weight: bold;">THIS PROXY IS SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS</div>
          <div><br>
          </div>
          <div style="text-align: justify;">The undersigned holder(s) of common shares of Ohio Valley Banc Corp. (the &#8220;Company&#8221;) hereby appoints Thomas E. Wiseman, Tom R. Shepherd, and David W. Thomas, and each of them, with full power of substitution, as
            true and lawful attorneys and proxies of the undersigned to vote all of the common shares of the Company that the undersigned is entitled to vote at the Annual Meeting of Shareholders of the Company, to be held on Wednesday, May 18, 2022 at
            5:00 p.m., Eastern Daylight Saving Time, and at any adjournment(s) thereof, as follows:</div>
          <div><br>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" id="zc702b8df4b4642999298dec23292ed62" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

                <tr>
                  <td style="width: 18pt;">1.</td>
                  <td style="width: 18pt; vertical-align: top; align: right;">
                    <div><br>
                    </div>
                  </td>
                  <td style="width: auto; vertical-align: top;">
                    <div>To elect the following three (3) directors to the Board of Directors for a term expiring in 2025:</div>
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            </table>
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          <div><br>
          </div>
          <div style="text-indent: 36pt;"><font style="font-family: 'Times New Roman',Times,serif;">Larry E. Miller II</font> &#160; &#160; &#160; &#160; &#160; &#160;<font style="font-family: 'Times New Roman',Times,serif;"> &#160; <font style="font-size: 14pt;">&#9633;</font> Vote For&#160; &#160; &#160; &#160;&#160;
              <font style="font-size: 14pt;">&#9633;</font> Withhold Authority to Vote</font></div>
          <div><br>
          </div>
          <div style="text-indent: 36pt;">Edward J. Robbins&#160; &#160; &#160; &#160; &#160; &#160;&#160; <font style="font-size: 14pt;">&#9633;</font> Vote For&#160; &#160; &#160; &#160;&#160; <font style="font-size: 14pt;">&#9633;</font> Withhold Authority to Vote</div>
          <div><br>
          </div>
          <div style="text-indent: 36pt;">K. Ryan Smith&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; <font style="font-size: 14pt;">&#9633;</font> Vote For&#160; &#160; &#160; &#160;&#160; <font style="font-size: 14pt;">&#9633;</font> Withhold Authority to Vote</div>
          <div><br>
          </div>
          <table cellspacing="0" cellpadding="0" id="z335d9d6338614b619fddea90a75be6ac" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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                <td style="width: 4.33%; vertical-align: top;">
                  <div>2.</div>
                </td>
                <td style="width: 58.16%; vertical-align: top;">
                  <div>To approve, in a non-binding vote, the compensation of the Company&#8217;s named executive officers.</div>
                  <div>&#160;</div>
                </td>
                <td style="width: 37.52%; vertical-align: top;">
                  <div>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;FOR&#160; &#160;&#160; AGAINST&#160; &#160; ABSTAIN</div>
                  <div style="font-size: 14pt;">&#160; &#160; &#160; &#160;&#160; &#160; &#160;&#160;&#160;&#160; &#9633; &#160; &#160; &#160;&#160;&#160;&#160; &#9633; &#160; &#160; &#160; &#160;&#160; &#160; &#9633;</div>
                </td>
              </tr>
              <tr>
                <td style="width: 4.33%; vertical-align: top;">
                  <div>3.</div>
                </td>
                <td style="width: 58.16%; vertical-align: top;">
                  <div>To ratify the selection of Crowe LLP as the Company&#8217;s independent registered public accounting firm for the fiscal year ending December 31, 2022.</div>
                  <div>&#160;</div>
                </td>
                <td style="width: 37.52%; vertical-align: top;">
                  <div>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;FOR&#160; &#160;&#160; AGAINST&#160; &#160; ABSTAIN</div>
                  <div style="font-size: 14pt;">&#160;&#160;&#160;&#160; &#160; &#160;&#160; &#160; &#160; &#160; &#9633; &#160; &#160; &#160; &#160;&#160; &#9633;&#160; &#160; &#160; &#160; &#160; &#160; &#9633;</div>
                </td>
              </tr>

          </table>
          <div style="text-indent: -18pt; margin-left: 18pt;">4.&#160;&#160; The individuals designated to vote this proxy are authorized to vote in their discretion upon any other matter which properly comes before the Annual Meeting or any adjournment thereof.</div>
          <div><br>
          </div>
          <div style="font-weight: bold;">THE BOARD OF DIRECTORS RECOMMENDS A VOTE &#8220;FOR&#8221; THE ELECTION OF THE THREE NOMINEES LISTED IN ITEM 1, WHO HAVE BEEN NOMINATED BY THE BOARD OF DIRECTORS, &#8220;FOR&#8221; ITEM 2, AND &#8220;FOR&#8221; ITEM 3.</div>
          <div><br>
          </div>
          <div style="text-align: justify; font-weight: bold;">WHERE A CHOICE IS INDICATED, THE SHARES REPRESENTED BY THIS PROXY WILL BE VOTED OR NOT VOTED AS SPECIFIED.&#160; UNLESS INSTRUCTIONS TO THE CONTRARY ARE GIVEN, THE COMMON SHARES REPRESENTED BY THIS
            PROXY WILL BE VOTED &#8220;FOR&#8221; THE ELECTION OF THE NOMINEES LISTED ABOVE AS DIRECTORS OF THE COMPANY, &#8220;FOR&#8221; THE APPROVAL OF THE COMPENSATION OF THE COMPANY&#8217;S NAMED EXECUTIVE OFFICERS, AND &#8220;FOR&#8221; THE RATIFICATION OF THE SELECTION OF CROWE LLP AS THE
            COMPANY&#8217;S INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM FOR THE 2022 FISCAL YEAR.&#160; IF ANY OTHER MATTERS ARE PROPERLY BROUGHT BEFORE THE ANNUAL MEETING OR ANY ADJOURNMENT THEREOF OR IF A NOMINEE FOR ELECTION AS A DIRECTOR NAMED IN THE PROXY
            STATEMENT IS UNABLE TO SERVE OR FOR GOOD CAUSE WILL NOT SERVE, THE COMMON SHARES REPRESENTED BY THIS PROXY WILL BE VOTED IN THE DISCRETION OF THE INDIVIDUALS DESIGNATED TO VOTE THIS PROXY, TO THE EXTENT PERMITTED BY APPLICABLE LAW, ON SUCH
            MATTERS OR FOR SUCH SUBSTITUTE NOMINEE(S) AS THE DIRECTORS MAY RECOMMEND.</div>
          <div><br>
          </div>
          <div style="text-align: justify; font-weight: bold;">ALL PROXIES PREVIOUSLY GIVEN BY THE UNDERSIGNED ARE HEREBY REVOKED.</div>
          <div><br>
          </div>
          <div style="text-align: justify;">Please sign exactly as your name appears hereon.&#160; All joint owners should sign.&#160; When signing as Attorney, Executor, Administrator, Trustee, or Guardian, please give full title as such.&#160; If the shareholder is a
            corporation, please sign the full corporate name by authorized officer.&#160; If the shareholder is a partnership, please sign in partnership name by authorized person.</div>
          <div><br>
          </div>
          <div><br>
          </div>
          <div style="clear: both;"><br>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; color: #000000; width: 100%;" id="z2a2d842e3c474386a1e7e53802df975d">

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                  <td style="width: 24%; border-bottom: 2px solid rgb(0, 0, 0);">
                    <div>&#160;</div>
                  </td>
                  <td style="width: 2%; padding-bottom: 2px;">
                    <div>&#160;</div>
                  </td>
                  <td style="width: 12%; border-bottom: 2px solid rgb(0, 0, 0);">
                    <div>&#160;</div>
                  </td>
                  <td style="width: 24%; padding-bottom: 2px;">
                    <div>&#160;</div>
                  </td>
                  <td style="width: 24%; border-bottom: 2px solid rgb(0, 0, 0);">
                    <div>&#160;</div>
                  </td>
                  <td style="width: 2%; padding-bottom: 2px;">
                    <div>&#160;</div>
                  </td>
                  <td style="width: 12%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
                </tr>
                <tr>
                  <td style="width: 24%;">
                    <div>Shareholder Signature &#160; </div>
                  </td>
                  <td style="width: 2%;">
                    <div>&#160;</div>
                  </td>
                  <td style="width: 12%;">
                    <div>Date <br>
                    </div>
                  </td>
                  <td style="width: 24%;">
                    <div>&#160;</div>
                  </td>
                  <td style="width: 24%;">
                    <div>Shareholder Signature (Joint Owners) <br>
                    </div>
                  </td>
                  <td style="width: 2%;">
                    <div><br>
                    </div>
                  </td>
                  <td style="width: 12%;" colspan="1">Date <br>
                  </td>
                </tr>

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          </div>
          <br>
          <div><br>
          </div>
          <div><br>
          </div>
          <div><br>
          </div>
          <div><font style="font-weight: bold;"><br>
            </font> </div>
          <div>
            <table cellspacing="0" cellpadding="0" border="0" align="center" id="zf27d0cb754734cad9999e7c35c860659" style="width: 60%; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">

                <tr>
                  <td style="width: 100%; font-weight: bold; border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);">
                    <div style="text-align: center;">IF YOU WISH TO PROVIDE YOUR INSTRUCTIONS TO VOTE VIA THE INTERNET OR BY PHONE,</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 100%; font-weight: bold; border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
                    <div style="text-align: center;">PLEASE READ THE INSTRUCTIONS ON THE REVERSE SIDE</div>
                  </td>
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            </table>
          </div>
          <br>
        </div>
      </div>
    </div>
    <br>
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    <div> <br>
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    <div>
      <div style="text-align: center; font-weight: bold;">Important Notice Regarding the Availability of Proxy Materials for the</div>
      <div style="text-align: center; font-weight: bold;">Shareholder Meeting to be Held on May 18, 2022</div>
      <div><br>
      </div>
      <div style="text-align: center; font-weight: bold;">of the</div>
      <div><br>
      </div>
      <div style="text-align: center; font-weight: bold;">OHIO VALLEY BANC CORP.</div>
      <div style="text-align: center; font-weight: bold;">NOTICE OF ANNUAL MEETING</div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" border="0" align="right" style="width: 30%; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt;" id="zbed08eb74101412b8a7cc8b961a55efa">

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              <td style="width: 100%; border-top: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);">
                <div style="text-align: center; font-weight: bold;">Annual Meeting of Shareholders</div>
              </td>
            </tr>
            <tr>
              <td style="width: 100%; border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);">
                <div style="text-align: center; font-weight: bold;">Wednesday, May 18, 2022</div>
              </td>
            </tr>
            <tr>
              <td style="width: 100%; border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);">
                <div>&#160;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 100%; border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);">
                <div style="text-align: center;">4:00 p.m. &#8211; Social Hour</div>
              </td>
            </tr>
            <tr>
              <td style="width: 100%; border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);">
                <div style="text-align: center;">5:00 p.m. &#8211; Annual Meeting</div>
              </td>
            </tr>
            <tr>
              <td style="width: 100%; border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);">
                <div style="text-align: center;">&#160;</div>
              </td>
            </tr>
            <tr>
              <td style="width: 100%; border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);">
                <div style="text-align: center;">Location:</div>
              </td>
            </tr>
            <tr>
              <td style="width: 100%; border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);">
                <div style="text-align: center;">Holzer Leadership &amp; Innovation<font style="font-family: 'Times New Roman',Times,serif;">&#160;</font>Institute</div>
              </td>
            </tr>
            <tr>
              <td style="width: 100%; border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);">
                <div style="text-align: center;">254 Jackson Pike</div>
              </td>
            </tr>
            <tr>
              <td style="width: 100%; border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
                <div style="text-align: center;">Gallipolis, OH&#160; 45631</div>
              </td>
            </tr>

        </table>
      </div>
      <div style="clear: both;"><br>
      </div>
      <div><br>
      </div>
      <div style="font-weight: bold;">This communication presents only an overview of the more complete proxy materials that are available to you on the Internet.&#160; We encourage you to access and review all of the important information contained in the
        proxy materials before voting.&#160; We will mail a proxy card to you approximately 10 days after we first mail this Notice to you.</div>
      <div><br>
      </div>
      <div style="text-align: center; font-size: 14pt; font-weight: bold;">Please note that you cannot use this notice to vote by mail.</div>
      <div><br>
      </div>
      <div>If you want to receive a paper or e-mail copy of the proxy materials, you must request one.&#160; There is no charge to you for requesting a copy.&#160; To facilitate timely delivery, please make the request as instructed below before April 29, 2022.</div>
      <div><br>
      </div>
      <div>TO VIEW PROXY MATERIALS ONLINE:</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">Please visit <u>www.ovbc.com/proxymaterials</u> where the following materials are available for viewing:</div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z4cf747ac66c64ee0882fc03b7df38fd4" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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              <td style="width: 90pt; vertical-align: top; align: right;">
                <div style="margin-left: 72pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>Letter to Shareholders</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="zb07ec3ad41f24816a02ac174d30e1199" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 90pt; vertical-align: top; align: right;">
                <div style="margin-left: 72pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>Notice of Annual Meeting of Shareholders</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z0e2bf15dfb5847ab9e5e89dfccf6768a" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 90pt; vertical-align: top; align: right;">
                <div style="margin-left: 72pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>Proxy Statement</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z3fd5e73bd1fe41248bf4e4fc68822b0d" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 90pt; vertical-align: top; align: right;">
                <div style="margin-left: 72pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>Annual Report</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="ze59e225f51f3432c81f9575625980723" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 90pt; vertical-align: top; align: right;">
                <div style="margin-left: 72pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>Proxy Card</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div>TO REQUEST PAPER OR E-MAIL PROXY MATERIALS, FOR THIS MEETING AS WELL AS FUTURE SHAREHOLDER MEETINGS:</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">Telephone:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1-740-578-3287 or toll free 1-800-468-6682, extension 3287</div>
      <div style="text-indent: 36pt;">E-Mail:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; <u>mpwooten@ovbc.com</u> or <u>investorrelations@ovbc.com</u>.&#160; Send your name, address</div>
      <div style="text-indent: 108pt;">&#160; and Control Number, located above the first paragraph on this Notice.</div>
      <div style="text-indent: 36pt;">Mail:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; Ohio Valley Banc Corp., P.O. Box 240, Gallipolis, OH&#160; 45631-0240</div>
      <table cellspacing="0" cellpadding="0" id="zbae06429121f49c2b2255a799c9d628d" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt;"><br>
            </td>
            <td style="width: 72pt; vertical-align: top; align: right;">Internet:</td>
            <td style="width: auto; vertical-align: top;">
              <div>&#160;Access the website <u>www.ovbc.com/proxymaterials</u> and follow the instructions provided.</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div style="page-break-after: always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
        <div id="DSPFPageHeader"></div>
      </div>
      <div><br>
      </div>
      <div style="text-indent: -72pt; margin-left: 72pt;">TO VOTE:</div>
      <br>
      <div>
        <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 36pt;"><br>
              </td>
              <td style="width: 72pt; vertical-align: top; align: right;">In Person:</td>
              <td style="width: auto; vertical-align: top;">
                <div>You may vote your shares in person by attending the Annual Meeting.&#160; You may obtain directions to the meeting by calling 1-740-578-3287 or toll free 1-800-468-6682, extension 3287.</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
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          <tr>
            <td style="width: 36pt;"><br>
            </td>
            <td style="width: 72pt; vertical-align: top; align: right;">Mail:</td>
            <td style="width: auto; vertical-align: top;">
              <div>You may vote through a proxy card to be mailed approximately 10 days after we first mail this Notice to you.</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" id="za3db06257f9b4f47abf1b29e7c7c9e0c" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt;"><br>
            </td>
            <td style="width: 72pt; vertical-align: top; align: right;">Online:</td>
            <td style="width: auto; vertical-align: top;">
              <div>You may vote online at <u>www.cleartrustonline.com/ovbc</u>.&#160; You will need to have your Control Number, located above the first paragraph on this Notice.&#160; </div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" id="z2e067588a488480faa414d3913deea69" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt;"><br>
            </td>
            <td style="width: 72pt; vertical-align: top; align: right;">Phone:</td>
            <td style="width: auto; vertical-align: top;">
              <div>1-813-235-4490</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div><br>
      </div>
      <div>VOTING ITEMS:</div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z4b01860160cd40d4b12387811c0f7997" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 72pt; vertical-align: top; align: right;">
                <div style="margin-left: 36pt;">1.</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>Election of three directors for a term expiring in 2025.&#160; (The Board recommends a vote FOR Larry E. Miller II, Edward J. Robbins, and K. Ryan Smith.)</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="zb4c1580fcfd64d0fbfd9cd66bcb14015" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 72pt; vertical-align: top; align: right;">
                <div style="margin-left: 36pt;">2.</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>Approval, in a non-binding vote, of the compensation of the Company&#8217;s named executive officers.</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="zd47cca6beb1c4a45a49dcf0dd2e261b2" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 72pt; vertical-align: top; align: right;">
                <div style="margin-left: 36pt;">3.</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>Ratification of the selection of Crowe LLP as the Company&#8217;s independent registered public accounting firm for the fiscal year ending December 31, 2022.</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="zc825bd32e3e647289f4c6d3ab3aa1be7" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 72pt; vertical-align: top; align: right;">
                <div style="margin-left: 36pt;">4.</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div>Such other business as may properly come before the meeting.</div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div><br>
      </div>
      <div style="font-weight: bold;">THE BOARD OF DIRECTORS RECOMMENDS A VOTE &#8220;FOR&#8221; ALL OF THE NOMINEES LISTED IN ITEM 1, &#8220;FOR&#8221; ITEM 2, AND &#8220;FOR&#8221; ITEM 3.</div>
      <div><br>
      </div>
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)HH **** /__9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>4
<FILENAME>image2.jpg
<TEXT>
begin 644 image2.jpg
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end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>5
<FILENAME>image00003.jpg
<TEXT>
begin 644 image00003.jpg
M_]C_X  02D9)1@ ! 0$ > !X  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
