Dear Valued Customers:

As I write this letter on the heels of Christmas, it is my hope that you had a safe and joyous holiday. Truly, this is a wonderful time of year in which we can reflect on 2011 and look forward with great anticipation to 2012.

Each of us at M C Bank look forward to the New Year as an opportunity to further define the concept of true community banking; of serving those who rely on us and being active corporate citizens in our communities. We will continue to embrace time-tested banking principles that have continued to serve us well.

On behalf of the Board of Directors, management and staff of M C Bank, I wish you a healthy, safe and prosperous 2012.

Sincerely,

Larry J. Callais

Larry Callais

President and CEO