CBT Financial Corp.

CBT Financial, through its wholly-owned subsidiary Clearfield Bank & Trust Company, is engaged in providing financial services through its community offices in Clearfield, Bedford, Blair, Centre and Huntingdon County, PA. Co.'s primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are residential mortgage, commercial, and consumer installment loans. Substantially, all loans are secured by specific items of collateral including business assets, consumer assets, and commercial and residential real estate. As of Dec 31 2006, Co. had total assets of $363.2 million and total deposits of $327.0 million.