NEWS RELEASES

Tennessee Bank & Trust Announces Promotion, New Hires

FRANKLIN, Tenn., November 6, 2006 – Tennessee Bank & Trust, a privately owned and locally controlled institution, recently announced one promotion and two new hires at its Cool Springs location on Carothers Boulevard.

Nolan Phillips recently was promoted to Senior Loan Administration Officer from
Loan Administration Officer. Phillips, who joined the bank in early 2005, manages the bank’s loan department, including processing loan applications, documentations and maintaining regulatory compliance. Phillips is a graduate of Lindenwood University in
St, Charles, MO.

Hallie Swindell recently joined Tennessee Bank & Trust as a Consumer Banking and Customer Service representative. She is responsible for opening and maintaining new customer accounts, including CDs, HSAs, checking and savings accounts. Prior to joining the bank Swindell worked as a home mortgage specialist and universal banker for lending institutions in Bowling Green, KY. She earned her finance degree from Tennessee
Tech University.

James Reynolds also recently joined Tennessee Bank & Trust as a teller. He recently graduated from the University of Tennessee with a bachelor’s degree in finance.

Tennessee Bank & Trust is a division of Farmers Bank & Trust Company of Blytheville, Arkansas. A full service bank, the Cool Springs location of Tennessee Bank & Trust opened in 2005.

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