March 20, 2007

News Release

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

Analysts: Craig Fortin, Senior Vice President, (937) 283-3002 cfortin@nbtdirect.com
Media: Milissa Voss Burns, Assistant Vice President (937) 283-3067 mburns@nbtdirect.com

NB&T Financial Group Announces First 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 April 16, 2007 to shareholders of record March 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 $555 million, operates 17 banking offices and an insurance subsidiary, NB&T Insurance Agency, Inc., in Clinton, Clermont, Brown, Warren and Highland counties.

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