MFB Financial has a noteworthy history, dating back to June 7, 1889. Originally known as Mishawaka Building and Loan and later as Mishawaka Federal Savings, MFB Financial is the oldest financial institution in Mishawaka.

       We are a full service, locally owned bank dedicated to providing a complete array of financial services to consumers and the business community. Our name change to MFB Financial in November 1996 reflects our commitment to this mission. We are best known for our friendly and professional approach to serving our customers. We have grown to over $357 million in assets as of December 31, 1999, and have seven full service offices located throughout the Michiana area.

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The common stock of MFB Corp. is traded on the National Association of Securities Dealers Automated Quotation System, National Market System, under the symbol "MFBC."

MFB CORP. AND MFB FINANCIAL DIRECTORS

M. Gilbert Eberhart Thomas F. Hums Jonathan E. Kintner Michael J. Marien

Marian K. Torian Charles J. Viater Reginald H. Wagle Christine A. Lauber

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