News Release

For Immediate Release

Contacts:

Tara CraryNancy Port Schwalb

Urban Trust BankSchwalb Public Relations

321-249-7835407-246-1981 office

407-592-5921 cell

Tangy

Urban Trust Bank

407-732-5614

Urban Trust Bank® Continues Growth

with Addition of Senior Vice President of Retail

ORLANDO, FL (October 18, 2006) - Urban Trust Bank® (UTB) FSB, a federally chartered, full-service community bank, announced the arrival of banking executive John A. Crumrine. As Urban Trust Bank® continues to open new locations throughout Florida, the arrival of Crumrine brings added expertise to UTB’s Retail division.

A seasoned banking veteran, Crumrine brings over 30 years of experience to his new role as

Senior Vice President of Retail Banking. Throughout the course of his career, Crumrine has been instrumental in assisting regional banks in growing their retail branch balance sheets organically and assisting in key acquisitions and mergers.

Crumrine has been an active member of numerous community organizations, including Boy Scouts of America, Habitat for Humanity and United Way. He has served as District Chairman of Bowling Green, Kentucky and on the Economic Development Board of Bowling Green, Kentucky. Mr. Crumrine has been designated as a Kentucky Colonel, an honor bestowed on individuals by the Governor of Kentucky in recognition of service to the Commonwealth as well as the global community.

“Urban Trust is a community oriented bank that strongly believes in the importance of building lasting relationships with both our consumer and small business customers. It is a pleasure to lead this team of retail professionals.” said Crumrine of his new role at Urban Trust Bank®.

Urban Trust Bank® has an admirable history of commitment to the communities in which they operate. Each location is dedicated to the support of local cultural and community organizations. UTB is consumer-minded and community-oriented, reinforcing their dedication and capacity for commitment to economic development and community building. Headquartered in Central Florida, the bank will bring that commitment to each location in the region. The addition of this experienced Retail banking professional is a testament to the strong growth in UTB’s Retail division.

About Urban Trust Bank

Urban Trust Bank® (UTB) is a federally chartered community bank that providesvalue-oriented banking and mortgage services through a network of banking centers in Florida. UTB provides financial solutions to empower individuals and small businesses in both the traditional and underserved banking arenas.For more information, please visit

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