880417--3/25/2009--CSB_BANCORP_INC

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{tax, income, asset}

{loss, insurance, financial}

{acquisition, growth, future}

{stock, price, share}

{system, service, information}

{competitive, industry, competition}

{loan, real, estate}

New developments in the banking industry Failure to realize the anticipated benefits of the acquisition of Indian Village Bancorp, Inc. The Bank s ability to pay dividends is subject to regulatory limitations which, to the extent the Company requires such dividends in the future, may affect its ability to pay dividends or repurchase its stock. Unauthorized disclosure of sensitive or confidential client or customer information, whether through a breach of our computer systems or otherwise, could severely harm our business. Consumers may decide not to use banks to conduct their financial transactions. I. Distribution of Assets, Liabilities and Stockholders Equity; Interest Rates and Interest Differential Securities available-for-sale, at fair value IV. Summary Of Loan Loss Experience VI. Return On Equity and Assets

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880417--3/25/2009--CSB_BANCORP_INC_/OH