Citizens Holding Company is a one-bank holding company, which operates through its subsidiary, The Citizens Bank of Philadelphia (the Bank). It is engaged in a range of commercial and personal banking activities, including accepting demand deposits, savings and time deposit accounts, making secured and unsecured loans, issuing letters of credit, originating mortgage loans, and providing personal and corporate trust services. The Bank has approximately 24 banking locations in 14 counties in East Central and South Mississippi, and a Loan Production Office in Oxford, Mississippi to offer loan services to north Mississippi. In addition to full service commercial banking, the Bank offers mortgage loans, title insurance services through its affiliate, Title Services, LLC, and a full range of Internet banking services, including online banking, bill pay and cash management services for businesses. Internet banking services are available at the Banks Website, www.thecitizensbankphila.com.