Farmers National Banc Corp. (the �Company,� �Farmers,� �we,� �our� or �us�), is
a one-bank holding company organized in 1983 under the laws of the State of Ohio
and registered under the Bank Holding Company Act of 1956, as amended (the
�BHCA�). The Company operates principally through its wholly-owned subsidiaries,
The Farmers National Bank of Canfield (the �Bank� or �Farmers Bank�), Farmers
Trust Company (�Trust� or �Farmers Trust�) and National Associates, Inc.
(�NAI�). Farmers National Insurance, LLC (�Insurance� or �Farmers Insurance�)
and Farmers of Canfield Investment Co. (�Investments or �Farmers Investments�)
are wholly-owned subsidiaries of the Bank. The Company and its subsidiaries
operate in the domestic banking, trust, retirement consulting, insurance and
financial management industries.
The Company�s principal business consists of owning and supervising its