December 18, 2007

News Release

National Bank and Trust
48 N. South Street, P.O. Box 711
Wilmington, Ohio 45177

Contact:
Analysts: Craig Fortin (937) 283-3002 cfortin@nbtdirect.com
Media: Leslie Adkins (937) 283-3180 ladkins@nbtdirect.com

NB&T FINANCIAL GROUP ANNOUNCES FOURTH QUARTER DIVIDEND

NB&T Financial Group, Inc., parent company of The National Bank and Trust Company, has declared a dividend of $.28 per share payable January 21, 2008 to shareholders of record December 31, 2007. This amount is an increase of 3.7% from the dividend of $.27 per share declared in December 2006.

National Bank and Trust, with assets of $528 million, operates 17 banking offices in Clinton, Clermont, Brown, Warren and Highland counties.

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