Agreement of Affiliation

AGREEMENT OF AFFILIATION
AND
PLAN OF MERGER
________________________


____________________________


FIRST BANCORPORATION OF OHIO

AND


THE CIVISTA CORPORATION
____________________________


August 10, 1994


2


AGREEMENT OF AFFILIATION AND PLAN OF MERGER
FIRST BANCORPORATION OF OHIO AND
THE CIVISTA CORPORATION


TABLE OF CONTENTS


1. THE MERGER . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2
1.1. MERGER. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2


2. CONVERSION OF SHARES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2
2.1. CONVERSION OF SHARES. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2
2.2. EXCHANGE OF CERTIFICATES. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3
2.3. DISSENTERS' RIGHTS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
2.4. CLOSING OF CIVISTA'S TRANSFER BOOKS. . . . . . . . . . . . . . . . . . . . . . . . . 5
2.5. EMPLOYEE STOCK OPTIONS AND ASSUMPTION. . . . . . . . . . . . . . . . . . . . . . . . 5


3. REPRESENTATIONS AND WARRANTIES OF FBOH . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
3.1. CORPORATE ORGANIZATION. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
3.2. AUTHORITY. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
3.3. CAPITALIZATION. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
3.4. SUBSIDIARIES. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
3.5. INFORMATION IN DISCLOSURE DOCUMENTS, REGISTRATION STATEMENT, ETC. . . . . . . . . . 7
3.6. CONSENTS AND APPROVALS; NO VIOLATION. . . . . . . . . . . . . . . . . . . . . . . . 8
3.7. REPORTS AND FINANCIAL STATEMENTS. . . . . . . . . . . . . . . . . . . . . . . . . . 8
3.8. TAXES. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
3.9. EMPLOYEE PLANS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
3.10. MATERIAL CONTRACTS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
3.11. ABSENCE OF CERTAIN CHANGES OR EVENTS . . . . . . . . . . . . . . . . . . . . . . . . 10
3.12. LITIGATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
3.13. COMPLIANCE WITH LAWS AND ORDERS . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
3.14. AGREEMENTS WITH BANK REGULATORS . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
3.15. FBOH OWNERSHIP OF STOCK . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
3.16. ACCOUNTING MATTERS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
3.17. FEES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
3.18. FBOH ACTION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
3.19. VOTE REQUIRED . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
3.20. RIGHTS AGREEMENT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
3.21. ENVIRONMENTAL MATTERS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11


4. REPRESENTATIONS AND WARRANTIES OF CIVISTA . . . . . . . . . . . . . . . . . . . . . . . . . . 12
4.1. CORPORATE ORGANIZATION. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
4.2. AUTHORITY. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
4.3. CAPITALIZATION. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
4.4. SUBSIDIARIES. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13
4.5. INFORMATION IN DISCLOSURE DOCUMENTS REGISTRATION STATEMENT, ETC. . . . . . . . . . . 13
4.6. CONSENT AND APPROVALS; NO VIOLATION. . . . . . . . . . . . . . . . . . . . . . . . . . 14
4.7. REPORTS AND FINANCIAL STATEMENTS. . . . . . . . . . . . . . . . . . . . . . . . . . . 14
4.8. TAXES. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
4.9. EMPLOYEE PLANS, EMPLOYEES. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
4.10. MATERIAL CONTRACTS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16
4.11. ABSENCE OF CERTAIN CHANGES OR EVENTS . . . . . . . . . . . . . . . . . . . . . . . . . 16
4.12. LITIGATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16 3


4.13. COMPLIANCE WITH LAWS AND ORDERS . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16
4.14. AGREEMENTS WITH REGULATORS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16
4.15. COMPANY OWNERSHIP OF STOCK . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17
4.16. ACCOUNTING MATTERS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17
4.17. FEES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17
4.18. COMPANY ACTION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17
4.19. VOTE REQUIRED . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17
4.20. CONDUCT OF CIVISTA TO DATE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17
4.21. ENVIRONMENTAL MATTERS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18


5. COVENANTS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
5.1. ACQUISITION PROPOSALS AND NEGOTIATIONS. . . . . . . . . . . . . . . . . . . . . . . . . 19
5.2. INTERIM OPERATIONS OF CIVISTA. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
5.3. INTERIM OPERATIONS OF FBOH. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22
5.4. EMPLOYMENT MATTERS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22
5.5. ACCESS, INFORMATION AND CONFIDENTIALITY. . . . . . . . . . . . . . . . . . . . . . . . . 24
5.6. CERTAIN FILINGS, CONSENTS AND ARRANGEMENTS, DIVESTITURES. . . . . . . . . . . . . . . . 24
5.7. TAKEOVER STATUTES AND PROVISIONS. . . . . . . . . . . . . . . . . . . . . . . . . . . . 25
5.8. INDEMNIFICATION AND INSURANCE. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25
5.9. ADDITIONAL AGREEMENTS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25
5.10. COMPLIANCE WITH ANTITRUST LAWS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26
5.11. PUBLICITY . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26
5.12. REGISTRATION STATEMENT, JOINT PROXY STATEMENT AND COMFORT LETTERS. . . . . . . . . . . . 26
5.13. AFFILIATES COMPLIANCE WITH THE SECURITIES ACT . . . . . . . . . . . . . . . . . . . . . 27
5.14. STOCKHOLDERS MEETING . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27
5.15. POOLING AND TAX-FREE REORGANIZATION TREATMENT . . . . . . . . . . . . . . . . . . . . . 28
5.16. MERGERS OF SUBSIDIARIES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 28
5.17. CURRENT INFORMATION. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 28
5.18. INTEGRATION OF OPERATIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 28
5.19. NASD LISTING . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29
5.20. ENVIRONMENTAL SURVEY . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29


6. CONDITIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29
6.1. CONDITIONS TO EACH PARTY'S OBLIGATIONS TO EFFECT THE MERGER. . . . . . . . . . . . . . . 29
6.2. CONDITIONS TO OBLIGATION OF CIVISTA TO EFFECT THE MERGER. . . . . . . . . . . . . . . . 30
6.3. CONDITIONS TO OBLIGATION OF FBOH TO EFFECT THE MERGER. . . . . . . . . . . . . . . . . . 30


7. MISCELLANEOUS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 31
7.1. TERMINATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 31
7.2. NON-SURVIVAL OF REPRESENTATIONS, WARRANTIES; EFFECT OF TERMINATION. . . . . . . . . . . 32
7.3. WAIVER. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33
7.4. AMENDMENT. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33
7.5. ENTIRE AGREEMENT. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33
7.6. APPLICABLE LAW. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33
7.7. CERTAIN DEFINITIONS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33
7.8. NOTICES. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 34
7.9. COUNTERPARTS, EXHIBITS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 34
7.10. PARTIES IN INTEREST . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 34
7.11. EXPENSES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 34
7.12. ENFORCEMENT OF THE AGREEMENT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 35
7.13. SEVERABILITY . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 35 4


AGREEMENT OF AFFILIATION
AND PLAN OF MERGER


THIS AGREEMENT OF AFFILIATION AND PLAN OF MERGER, dated as
of August 10, 1994 (this "AGREEMENT"), is made by and between First
Bancorporation of Ohio, an Ohio corporation ("FBOH"), and The
CIVISTA Corporation, an Ohio corporation ("CIVISTA").


WHEREAS, the respective Boards of Directors of FBOH and
CIVISTA have each determined that it is in the best interests of
their respective stockholders for CIVISTA to merge with and into
FBOH upon the terms and subject to the conditions set forth herein;


WHEREAS, the respective Boards of Directors of FBOH and
CIVISTA have each approved the merger of CIVISTA with and into
FBOH, upon the terms and subject to the conditions set forth herein;


WHEREAS, the Board of Directors of FBOH intend to
contemporaneously with the merger of CIVISTA with and into FBOH,
to merge the wholly owned subsidiary of CIVISTA, Citizens Savings
Bank of Canton, an Ohio savings and loan association
("CITIZENS"), with and into a wholly owned subsidiary of FBOH,
with the surviving entity utilizing the name "Citizens," and to
retain as separate entities, The CASNET Group, Inc., Citizens
Investment Corporation, Citizens Savings Corporation and Crest
Investments, Inc. (collectively, the "NON-BANKING SUBSIDIARIES"),


WHEREAS, the Board of Directors of FBOH will appoint to the
FBOH Board of Directors at the Effective Time, an individual to be
recommended by CIVISTA (subject to the approval of the FBOH Board of
Directors);


WHEREAS, the Board of Directors of FBOH has requested
CIVISTA, as a condition and as an inducement for FBOH to enter
into this Agreement, and CIVISTA has agreed, to provide FBOH with
an option to purchase up to ten percent of the capital stock of
CIVISTA, but only if certain events occur, pursuant to the terms and
conditions of the CIVISTA Stock Purchase Option (as hereinafter
defined);


WHEREAS, for Federal income tax purposes, it is
intended that the merger shall qualify as a reorganization under
the provisions of Section 368 of the Internal Revenue Code of
1986, as amended (the "CODE"); and


WHEREAS, for accounting purposes, it is intended that the
merger shall be accounted for as a "pooling of interests;"


NOW, THEREFORE, in consideration of the foregoing premises
and the representations, warranties and agreements contained
herein, and subject to the terms and conditions set forth herein,
the parties hereto hereby agree as follows:


1


5


1. THE MERGER


1.1. MERGER.


1.1.1. MERGER. At the Effective Time (as
hereinafter defined), CIVISTA will be merged with and into FBOH
(the "MERGER") in accordance with the provisions of Section
1701.78 of the Ohio General Corporation Law ("OGCL"). FBOH shall
be the surviving corporation in the Merger and shall continue after
the Merger to be incorporated under the laws of the State of Ohio
(the "SURVIVING CORPORATION"). The Merger shall have the effects
specified in the OGCL. The name of the Surviving Corporation
shall be "First Bancorporation of Ohio."


1.1.2. EFFECTIVE TIME. As soon as practicable
following the Closing (as hereinafter defined), FBOH and CIVISTA
(the "CONSTITUENT CORPORATIONS") shall cause a certificate of
merger complying with the requirements of Section 1701.81 of the
OGCL (the "CERTIFICATE OF MERGER") to be filed with the Secretary
of State of the State of Ohio. The form of Certificate of Merger
is attached hereto as Exhibit 1.1.2, which has attached to it
the Amended and Restated Articles of Incorporation of the
Surviving Corporation. The Merger will become effective at the time
and date which the Certificate of Merger is filed with the Secretary
of State of the State of Ohio (the "EFFECTIVE TIME").


1.1.3. CONSUMMATION OF MERGER. The closing of
the Merger (the "CLOSING") will take place (i) at 10:00 a.m. (local
time) at the principal executive offices of FBOH as promptly as
practicable after the date on which all of the conditions set forth
in Article 6 are satisfied or duly waived, or (ii) at such other
time and place and on such other date as FBOH and CIVISTA may agree.


1.1.4. ARTICLES OF INCORPORATION AND REGULATIONS.
The Amended and Restated Articles of Incorporation and Code of
Regulations of FBOH, attached hereto as Exhibit 1.1.4, in effect
immediately prior to the Effective Time will be the Amended and
Restated Articles of Incorporation and Regulations of the Surviving
Corporation after the Effective Time, until duly amended in
accordance with their respective terms and the OGCL.


1.1.5. DIRECTORS AND OFFICERS. The directors and
officers of FBOH immediately prior to the Effective Time will be
the directors and officers, respectively, of the Surviving
Corporation, until their successors have been duly elected or
appointed and qualified or until their earlier death, resignation
or removal in accordance with the terms of the Surviving
Corporation's Amended and Restated Articles of Incorporation and
Code of Regulations and the OGCL. As indicated in Section 5.14,
the Board of Directors of FBOH will appoint to the FBOH Board of
Directors at the Effective Time, an individual to be recommended
by CIVISTA, but subject to the approval of the FBOH Board of
Directors.


1.1.6. SERVICE OF PROCESS. B.&McD., Inc., whose
address is 106 S. Main Street, Akron, Summit County, Ohio 44308,
is the statutory agent upon whom any process, notice or demand
against FBOH, or the Surviving Corporation may be served.


2. CONVERSION OF SHARES


2.1. CONVERSION OF SHARES. At the Effective Time,


(a) each then-outstanding share of common stock, no
par value, of CIVISTA ("COMMON STOCK" or "SHARE") (other than
shares of Common Stock (i) held in the treasury of CIVISTA, or
(ii) owned by FBOH for its own account), will, by virtue of the
Merger, automatically be cancelled and extinguished in consideration
and exchanged for the right to receive 1.723 (subject to
adjustment pursuant to Section 2.1(d)) (the "EXCHANGE RATIO")
shares of common stock, no par value, of FBOH ("FBOH COMMON STOCK");


2 6


(b) each Share issued and held in CIVISTA's
treasury will, by virtue of the Merger, automatically be
cancelled and retired and all rights in respect thereof will cease to
exist;


(c) each then-outstanding share of FBOH Common
Stock shall continue to be an issued and outstanding Common
Share, no par value, of the Surviving Corporation and any shares of
FBOH Common Stock held in FBOH's treasury immediately prior to the
Effective Time shall continue to be held in the treasury of the
Surviving Corporation at the Effective Time; and


(d) if between the date of this Agreement and the
Effective Time, the shares of FBOH Common Stock shall be changed
into a different number of shares by reason of any reclassification,
recapitalization, split-up, combination or exchange of shares, or if
a stock dividend or stock split thereon shall be declared with a
record date within said period, appropriate adjustment or
adjustments shall be made to the Exchange Ratio established by
Section 2.1(a) and the adjusted Exchange Ratio established by this
Section 2.1(d).


2.2. EXCHANGE OF CERTIFICATES.


2.2.1. EXCHANGE AGENT. First National Bank of
Ohio ("FNBO") shall act as agent of FBOH for purposes of, among
other things, mailing and receiving transmittal letters and
distributing certificates for FBOH Common Stock and cash in lieu
of fractional shares of FBOH Common Stock, to CIVISTA stockholders
(the "EXCHANGE AGENT"). Prior to the Effective Time, FBOH and the
Exchange Agent shall enter into an exchange agent agreement
providing for, among other things, the matters set forth in this
Section 2.2.


Except as set forth herein, from and after the Effective
Time, each holder of a certificate that immediately prior to the
Effective Time represented outstanding shares of Common Stock
("CERTIFICATE") shall be entitled to receive in exchange therefor,
upon surrender thereof to the Exchange Agent, a certificate for the
number of shares of FBOH Common Stock (together with cash in lieu
of a fractional share of FBOH Common Stock, if any) (the "COMMON
STOCK CONSIDERATION" or "MERGER CONSIDERATION") to which such holder
is entitled in accordance with the terms of this Agreement. The
Exchange Agent shall not be entitled to vote or to exercise any
rights of ownership with respect to the shares of FBOH Common Stock
held by it from time to time hereunder, except that it shall
receive and hold all dividends or other distributions paid or
distributed with respect to such shares for the account of the
persons entitled thereto. Within 180 days following the Effective
Time, the Exchange Agent shall deliver to FBOH any shares of FBOH
Common Stock and funds (including any interest with respect thereto)
which FBOH has made available to the Exchange Agent and which
have not been disbursed to holders of Certificates, and thereafter
such holders shall be entitled to look to the Surviving
Corporation (subject to abandoned property, escheat, or other
similar laws) with respect to the shares of FBOH Common Stock and
cash in lieu of fractional shares deliverable or payable upon due
surrender of their Certificates.


In the event that any holder of Common Stock cancelled and
retired in accordance with this Agreement is unable to deliver the
Certificate which represents such shares of the holder, FBOH, in
the absence of actual notice that any shares theretofore
represented by any such Certificate have been acquired by a bona
fide purchaser, shall deliver to such holder the number of shares
of Common Stock to which such holder is entitled in accordance
with the provisions of this Agreement upon the presentation of
the following: (i) evidence to the reasonable satisfaction of FBOH
that any such Certificate has been lost, wrongfully taken or
destroyed; (ii) such security or indemnity as may be reasonably
requested by FBOH to indemnify and hold FBOH and the transfer agent
harmless; or (iii) evidence satisfactory to FBOH that such person is
the owner of the shares theretofore represented by each Certificate
claimed by him to be lost, wrongfully taken or destroyed and that
he is the person who would be entitled to present each such
Certificate for exchange pursuant to this Agreement.


3


7


2.2.2. NOTICE OF EXCHANGE. Promptly after
the Effective Time, FBOH shall cause the Exchange Agent to mail
and/or make available to each record holder of a Certificate a
notice and letter of transmittal advising such holder of the
effectiveness of the Merger and the procedures to be used in
effecting the surrender of the Certificate for exchange therefor
and specifying that delivery shall be effected, and risk of loss
and title to the Certificate shall pass, only upon proper
delivery of the Certificate to the Exchange Agent, and such other
matters as FBOH shall reasonably specify. Upon surrender to the
Exchange Agent of a Certificate, together with such letter of
transmittal duly executed and completed in accordance with the
instructions thereon, and such other documents as may reasonably be
requested by FBOH or the Exchange Agent, and subject to any
required withholding of taxes, the Exchange Agent shall promptly
deliver to the person entitled thereto the appropriate Merger
Consideration, and the surrendered Certificate shall, by virtue of
such delivery, automatically be cancelled.


2.2.3. RIGHT TO MERGER CONSIDERATION. Until
surrendered and exchanged in accordance with this Section 2.2, each
Certificate shall, from and after the Effective Time, represent
solely the right to receive the Common Stock Consideration, as
the case may be, together with any dividends or other
distributions as provided in Section 2.2.4, and shall have no other
rights. Neither CIVISTA nor FBOH shall be liable to any holder of
shares of Common Stock for any Merger Consideration (or dividends,
distributions or interest with respect thereto) delivered to a
public official pursuant to any applicable abandoned property,
escheat or similar law.


2.2.4. DISTRIBUTION WITH RESPECT TO UNEXCHANGED
CERTIFICATES. No dividends (cash or stock) or other distributions
with respect to FBOH Common Stock declared or paid by FBOH after
the Effective Time with a record date after the Effective Time
shall be paid to the holder of any unsurrendered Certificate
until the holder of such Certificate surrenders such Certificate.
Subject to the effect of applicable laws, following surrender of
any such Certificate, there shall be paid to the holder of
the certificates representing shares of FBOH Common Stock, as the
case may be, issued in exchange therefor, without interest, (i) the
amount of dividends or other distributions, if any, with a record
date after the Effective Time theretofore payable with respect to
such shares of FBOH Common Stock, as the case may be, and (ii) at
the appropriate payment date, the amount of dividends or other
distributions with a record date after the Effective Time but
prior to surrender and a payment date subsequent to surrender
payable with respect to such shares of FBOH Common Stock, as the
case may be. The Surviving Corporation shall pay any dividends or
make any other distributions with a record date prior to the
Effective Time which may have been declared or made by CIVISTA (in
accordance with its historical practices and record dates) on
Shares in accordance with the terms of this Agreement on or prior to
the Effective Time and which remain unpaid at the Effective Time.


2.2.5. VOTING WITH RESPECT TO UNEXCHANGED
CERTIFICATES. Holders of unsurrendered Certificates shall be
entitled to vote after the Effective Time at any meeting of
FBOH stockholders the number of whole shares of FBOH Common Stock
represented by such Certificates, regardless of whether such
holders have exchanged their Certificates, provided that no holder
of unsurrendered Certificates may vote at any meeting of FBOH
stockholders that is held more than 30 days after the mailing of the
notice and letter of transmittal provided for under Section 2.2.2.


2.2.6. FRACTIONAL SHARES. No certificates
representing fractional shares of FBOH Common Stock shall be
issued upon the surrender for exchange of a Certificate or
Certificates. No dividends or distributions of FBOH shall be
payable on or with respect to any fractional share and any such
fractional share interest will not entitle the owner thereof to
vote or to any rights of stockholders of FBOH. In lieu of any such
fractional share, a holder of shares of Common Stock otherwise
entitled to a fractional share of FBOH Common Stock shall be
entitled to receive promptly from the Exchange Agent a cash
payment (without interest) in an amount equal to the fraction of
such share of FBOH Common Stock to which such holder would
otherwise be entitled multiplied by the average of the high and
low sales prices of FBOH Common Stock as reported on the NASDAQ
National Market System on the trading day immediately preceding the
Effective Time.


4 8


2.3. DISSENTERS' RIGHTS. To the extent provided by the
OGCL, any holder of record of the Common Stock as of the date fixed
for the determination of stockholders of CIVISTA entitled to notice
of the CIVISTA Meeting (as hereinafter defined), and who shall have
filed with CIVISTA, not later than ten (10) days after such
meeting, a written demand for payment of the fair cash value of
such shares in compliance with Section 1701.85 of the OGCL, and
whose shares shall not have been voted in favo ...