** Citizens State Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Starting July 1, 2010, NOW accounts will no longer be fully guaranteed under this program, but will be insured through December 31, 2013 for up to $250,000 under the FDIC's general deposit insurance rules. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.