___________________________________ In 1946 a group of local businessmen founded Citizens Bank & Trust Co. to provide financial alternatives to the residents and businesses of St.Tammany Parish. The group was headed by Mr. Louis D. Ross, who served as Chairman of the Board, until his death in 1996. We provide a variety of products and services to our consumer and business customers. Today, CBT is the oldest banking name in St.Tammany Parish and one of the few remaining community banks on the Northshore. As a $130 million financial institution, we are dedicated to continuing to serve the St. Tammany Parish community. We recognize the importance of a personal relationship with our customers and are dedicated to providing our customers with the products and services they need with the personal touch they expect. ___________________________________