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changes in the interest rate environment may have results on LCNB’s operations materially different from those anticipated by LCNB’s market risk management functions;5.

changes in general economic conditions and increased competition could adversely affect LCNB’s operating results;" data-reactid="30"5.

changes in general economic conditions and increased competition could adversely affect LCNB’s operating results;6.

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Net gains for the three and nine-month periods were respectively $229,000 and $739,000 less than the comparable 2016 periods primarily due to a decrease in the volume of securities sold.

Non-interest expense for the three months ended September 30, 2017 was $79,000 greater than the comparable period in 2016 primarily due to increases in equipment, occupancy, and marketing expense.

Marketing expense increased due to the expanded use of television and digital advertising.

Other real estate owned expenses decreased because the amount of other real estate owned property held during 2017 was significantly less than the amount of property held during 2016.

These forward-looking statements are identified by the fact they are not historical facts and include words such as “anticipate”, “could”, “may”, “feel”, “expect”, “believe”, “plan”, and similar expressions." data-reactid="24"Certain statements made in this news release regarding LCNB’s financial condition, results of operations, plans, objectives, future performance and business, are “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, Section 21E of the Securities Exchange Act of 1934, as amended, and the Private Securities Litigation Reform Act of 1995.

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