City National Bank Set to Expand in Eastern Panhandle

City National Bank Set to Expand in Eastern Panhandle
Will Build New Office in Potomac Marketplace, Ranson, West Virginia 


CHARLESTON, W.Va., July 19  /PRNewswire-FirstCall/ -- City Holding Company,
"the Company" (NASDAQ:CHCO), a $2.5 billion bank holding company headquartered
in Charleston, today announced plans to open a 3,000 square-foot branch office
in the Potomac Marketplace retail shopping center on West Virginia Highway 9,
just south of Ranson, West Virginia.  The shopping center, which is expected to
open later this year, will be anchored by Home Depot and Weis Supermarket.  The
City branch is slated to open in the first quarter of 2006 and will create
approximately seven new jobs.

"We are very pleased to expand our presence in the Ranson/Charles Town
communities," said Craig Stilwell, Senior Vice President - Retail. "This office
expands our presence in the important Eastern Panhandle of West Virginia to
seven locations, so it improves convenience for current customers living in the
area, while allowing us to attract new customers in what will be the area's
most popular shopping destination."

"We are delighted to see City National expand in Jefferson County," said Peggy
Smith, Mayor of Charles Town.  "They are a good, stable employer, and a
valuable contributor to the economic development of the area.  We appreciate
City's confidence in the continued growth of our communities."

West Virginia's Eastern Panhandle counties, including Jefferson County and
Berkeley County, are the state's fastest growing according to the most recent
U.S. Census Bureau population estimates.  They are a part of the multi-state
MSA that includes Washington, DC, Arlington and Alexandria, Virginia, and
Baltimore and Hagerstown, Maryland.

"I'm thrilled that we are expanding our presence in the Panhandle area," said
Becky Linton, retail head of the area for the past 10 years.  "This full-
service facility, on one of the most traveled roads, will give City excellent
visibility - and our customers will enjoy increased access."

City Holding Company is the parent company of City National Bank of West
Virginia.  In addition to the Bank's 67 branch locations across West Virginia,
Eastern Kentucky and Southern Ohio, City National Bank operates CityInsurance
Professionals, an insurance agency offering a full range of insurance products
and services.

This news release contains certain forward-looking statements that are included
pursuant to the safe harbor provisions of the Private Securities Litigation
Reform Act of 1995.  Such information involves risks and uncertainties that
could result in the Company's actual results differing from those projected in
the forward-looking statements. Important factors that could cause actual
results to differ materially from those discussed in such forward-looking
statements include, but are not limited to, (1) the Company may incur
additional loan loss provision due to negative credit quality trends in the
future that may lead to a deterioration of asset quality; (2) the Company may
not continue to experience significant recoveries of previously charged-off
loans and the Company may incur increased charge-offs in the future; (3) the
Company may experience increases in the default rates on previously securitized
loans that would result in impairment losses, (4) the Company could have
adverse legal actions of a material nature, (5) the Company may face
competitive loss of customers, (6) the Company may be unable to manage its
expense levels, (7) the Company may have difficulty retaining key employees,
(8) changes in the interest rate environment may have results on the Company's
operations materially different from those anticipated by the Company's market
risk management functions, (9) changes in general economic conditions and
increased competition could adversely affect the Company's operating results,
(10) changes in other regulations and government policies affecting bank
holding companies and their subsidiaries, including changes in monetary
policies, could negatively impact the Company's operating results, and (11) the
Company may experience difficulties growing loan and deposit balances. 
Forward-looking statements made herein reflect management's expectations as of
the date such statements are made. Such information is provided to assist
stockholders and potential investors in understanding current and anticipated
financial operations of the Company and is included pursuant to the safe harbor
provisions of the Private Securities Litigation Reform Act of 1995. The Company
undertakes no obligation to update any forward-looking statement to reflect
events or circumstances that arise after the date such statements are made. 

DATASOURCE: City Holding Company



CONTACT:  Craig Stilwell, Executive Vice President of City Holding

Company, [phone]



Web site:  http://www.cityholding.com/

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