Western Ohio Financial Corporation Announces Annual Shareholders' Meeting

Western Ohio Financial Corporation Announces Annual Shareholders' Meeting 


SPRINGFIELD, Ohio, Feb. 6  /PRNewswire-FirstCall/ -- Western Ohio Financial
Corporation , parent corporation of Cornerstone Bank, Springfield, Ohio,
announced today that its annual shareholders' meeting will be held at The
Springfield Inn, located at 100 South Fountain Ave., Springfield, Ohio on April
22, 2004 at 9:00 am EST.

When used in the Company's press releases or other public or shareholder
communications, or in oral statements made with the approval of an authorized
executive officer, the words or phrases "will likely result," "project,"
"believe" or similar expressions are intended to identify "forward-looking
statements" within the meaning of the Private Securities Litigation Reform Act
of 1995.  The Company wishes to caution readers not to place undue reliance on
any such forward-looking statements, which speak only as of the date made, and
to advise readers that various factors -- including regional and national
economic conditions, changes in levels of market interest rates, credit risks of
lending activities, and competitive and regulatory factors -- could affect the
Company's financial performance and could cause the Company's actual results for
future periods to differ materially from those anticipated or projected.

The Company does not undertake -- and specifically disclaims any obligation --
to publicly release the result of any revisions which may be made to any
forward-looking statements to reflect the occurrence of anticipated or
unanticipated events or circumstances after the date of such statements. 

DATASOURCE: Western Ohio Financial Corporation



CONTACT:  John W. Raisbeck, President and CEO of Western Ohio Financial

Corporation, [phone]

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