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Christiana Bank Reports Strong Earnings Growth in Third Quarter of 2005 and Declares Stock Dividend

The Bank reported net income of $385 thousand for the quarter ended September 30, 2005, an increase of $115 thousand, or 42.6%, from $270 thousand in the third quarter of 2004. Net income for the second quarter of 2005 was $374 thousand. For the first nine months of 2005, net income was $1.0 million, an increase of $422 thousand, or 70.6%, from $598 thousand for the same period last year.

At its meeting on October 20th, the Board of Directors declared a stock dividend for the second consecutive year. The dividend is in the amount of 5% and is to be distributed on November 30, 2005, to stockholders of record on November 15, 2005. Fractional shares will be paid in cash. A stock dividend of 3% was declared on January 29, 2004, and distributed on March 15, 2004.

Zissimos A. Frangopoulos, President and CEO, stated, We are very pleased with the continuing success in improving business and operating performance. We are particularly gratified that performance and profitability enable us to declare a stock dividend for the second consecutive year, a new milestone in the relatively brief history of our bank.Ó

When Taking Advantage of a Free Credit Report, Do So Wisely

Over the last several years, consumers interest in their credit rating has grown along with the ability to check it quickly and easily using a computer. However, the convenience of checking your credit over the Internet has spawned some disreputable and deceptive providers.

The Federal Trade Commission requires the three major credit reporting agencies to provide you with a free copy of your credit report, at your request, once every 12 months. ItÌs helpful, itÌs safe and itÌs secure÷if you go to the one Web site that is the official portal to this information: www.annualcreditreport.com/cra/index.jsp

This is the site sanctioned by the FTC and is the only site that you should ever use. Recently, Consumerinfo.com, Inc. settled FTC charges that it deceptively marketed Ïfree credit reportsÓ by not adequately disclosing that consumers would be automatically signed up for a credit report monitoring service and charged $79.95 if they didn't cancel within 30 days.

The settlement requires Consumerinfo.com, Inc. to pay redress to deceived consumers, bars deceptive and misleading claims about free offers, requires disclosure of terms and conditions of any ÏfreeÓ offers, and requires the defendant to give up $950,000 in ill-gotten gains. The FTC complaint alleges that Consumerinfo.com, Inc. deceptively advertised and promoted its Ïfree reportsÓ at its Ïfreecreditreport.comÓ Web site, without disclosing that it was not associated with the official annual free credit report program.

Consumers need to be alert about impostor sites sites that misspell annualcreditreport.com or use sound-alike names, but don't link to the authorized site. We are sending letters to operators of more than 130 impostor sites to inform them that we know they are out there and that attempts to mislead consumers are illegal, said the FTC's director of its Bureau of Consumer Protection.

For complete information regarding free credit reports, we urge you to go to the Federal Trade Commission Web site at www.ftc.gov/bcp/conline/pubs/credit/freeannual-quarterly-reports.html

Bank Statements to be Redesigned for Easier Use

We are in the process of redesigning our account statements to make them easier to read, understand and manage. In addition, the images of the checks you write will be available soon after the check is presented for payment on your account if you use our free Internet banking product, NetTeller. This Internet banking service, including online bill payment, is offered at no charge, is fast and convenient, and offers additional safeguards against check fraud and identity theft.

You will be hearing more about these exciting changes in the weeks ahead. Please contact us if you would like to learn more about Internet banking services. Call us at (302) 421-5800 or visit us online at www.christianabank.com.

Holiday Rewards

Please stop in to either of our Delaware branches and complete a ÏballotÓ for our Annual Holiday Rewards Sweepstakes. Twelve beautifully decorated holiday wreaths and an electric train set will be on display in our Greenville office from November 21 until December 9. See one of our Personal Bankers for details or a ballot.

For more information call our Personal Bankers at (302) 421-5800.

Our Stock Symbol

CBTD. Quotations can be found on the OTC Bulletin Board.