First Trust Bank Declares Seventh Consecutive Stock Dividend

    CHARLOTTE, N.C., Oct. 23 /PRNewswire-FirstCall/ -- First Trust Bank
 (OTC Bulletin Board:   NCFT) announced today that its Board of Directors
 declared a 20% stock dividend on October 22, 2007. This is the seventh
 consecutive stock dividend. Shareholders of record at the close of business
 on November 9, 2007 are entitled to one additional share for each five
 shares of First Trust Bank stock held. Additional shares will be
 distributed on November 28, 2007, with cash paid in lieu of fractional
 shares.
     The OTCBB has not yet established the ex-dividend date ("Ex-Date") for
 the stock dividend. Please consult your financial advisor to verify the ex-
 dividend date or go to www.otcbb.com. Registrar and Transfer Company
 (www.rtco.com) acts as registrar and transfer agent for the Bank's stock.
     First Trust Bank specializes in serving the banking needs of small
 businesses and professionals in the Charlotte, Mooresville, Davidson,
 Cornelius, Huntersville, Concord and Monroe markets. The Bank operates
 three banking offices which are located at 1420 East Third Street and 2245
 Rexford Road, Charlotte, NC and 108 Gateway Boulevard, Mooresville, NC; and
 two loan production offices at 916 Copperfield Boulevard in Concord, NC and
 2610 W. Roosevelt Boulevard, Monroe, NC.
     For additional information, please contact Jean Galloway or Jim Bolt at
 704-377-3936 (fax 704-377-8869) or by e-mail at
 http://www.firsttrustnc.com.
 
 

SOURCE First Trust Bank

    CHARLOTTE, N.C., Oct. 23 /PRNewswire-FirstCall/ -- First Trust Bank
 (OTC Bulletin Board:   NCFT) announced today that its Board of Directors
 declared a 20% stock dividend on October 22, 2007. This is the seventh
 consecutive stock dividend. Shareholders of record at the close of business
 on November 9, 2007 are entitled to one additional share for each five
 shares of First Trust Bank stock held. Additional shares will be
 distributed on November 28, 2007, with cash paid in lieu of fractional
 shares.
     The OTCBB has not yet established the ex-dividend date ("Ex-Date") for
 the stock dividend. Please consult your financial advisor to verify the ex-
 dividend date or go to www.otcbb.com. Registrar and Transfer Company
 (www.rtco.com) acts as registrar and transfer agent for the Bank's stock.
     First Trust Bank specializes in serving the banking needs of small
 businesses and professionals in the Charlotte, Mooresville, Davidson,
 Cornelius, Huntersville, Concord and Monroe markets. The Bank operates
 three banking offices which are located at 1420 East Third Street and 2245
 Rexford Road, Charlotte, NC and 108 Gateway Boulevard, Mooresville, NC; and
 two loan production offices at 916 Copperfield Boulevard in Concord, NC and
 2610 W. Roosevelt Boulevard, Monroe, NC.
     For additional information, please contact Jean Galloway or Jim Bolt at
 704-377-3936 (fax 704-377-8869) or by e-mail at
 http://www.firsttrustnc.com.
 
 SOURCE First Trust Bank