NEWS RELEASE

Tennessee Bank & Trust to Open Second Location

NASHVILLE, Tenn., June 21, 2006 – Tennessee Bank & Trust, a privately owned
and locally controlled institution, is expanding with a second Middle Tennessee location scheduled to open this fall. The second location for Tennessee Bank & Trust is at Grace’s Plaza in Green Hills.

The Green Hills location will offer business and personal bank services with an emphasis on local authority and decision making to expedite loans, deposits and other financial transactions. In addition, the institution will focus on all types of business and professional loans, deposits and payment services, as well as personal financial services, mortgages and wealth management.

Dan B. Andrews, Jr., will serve as president of the Middle Tennessee market, which already operates a full service bank in Williamson County. Andrews brings more than 15 years of commercial bank management experience, as well as five years experience as a local small business owner.

Nashville-based Wieck Construction and Johnson Johnson Crabtree Architects, P.C.,
have been named to complete the build out of the facility, scheduled for completion this fall.

Tennessee Bank & Trust is a division of Farmers Bank & Trust Company of
Blytheville, Arkansas.

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