April 8, 2008

Dear Shareholder:

I am delighted to announce that Landmark Community Bank achieved record profitability for the quarter. The bank's net income, after tax, for the first quarter of 2008 was $126,993 compared to $22,589 during the first quarter of 2007, an increase of 462%. Total interest and fee income was $2,419,778 compared to $1,974,096 during the same period in 2007, an increase of 22.58%. Net interest income, after provision for loan losses, grew 30.17% compared to the same period last year. Growth of interest and fee income is directly related to changes we made last year regarding the composition of the balance sheet and growth of assets, primarily the loan portfolio. Profitability has also been enhanced by reductions in interest expense from falling rates.

Landmark Community Bank continued to experience profitable asset growth during the first quarter of 2008. Average assets for the first quarter were $158.8 million compared to $132.1 million for the first quarter of 2007, a 20.19% increase. Deposits averaged $126.0 million compared to $111.9 million for the first quarter of 2007, an increase of 12.5%. More importantly, non interest bearing checking account balances increased 21.6% to $13.3 million compared to the same period in 2007. Continued growth in this area is critically important to achieving desired levels of profitability. Net loans averaged $121.3 million compared to $88.7 million for the first quarter of 2007, an increase of 36.7%.

Stockholders equity averaged $13.5 million for the quarter compared to $13.2 million compared to the same period in 2007.

Non interest income for the first quarter grew to $99, 259, up 252% from the same period last year. Non-interest expense increased to $977,957 from $807,083 or 21.17% compared to the first quarter of 2007. Expense control combined with profitable growth is crucial to the long term success of the bank.

Landmark has continued to grow and expand its assets, profitability and customer base by offering exceptional service to our clients. Landmark's "Money Machine" and "Valet Banking for Business" (tm) continue to be extremely popular with our business and professional clients. These services save our clients time and money while making their lives easier by eliminating trips to the bank. Our "Money Machine" also improves their cash flow with enhanced funds availability. Please call if you or anyone you know would like to learn about how easy it is to bank with Landmark.

Landmark Community Bank's staff, management, Advisory Board and Board of Directors is committed to building an exceptional institution focused on our clients, shareholders, employees and communities. During the remainder of this year, Landmark must continue to grow lower cost deposits and higher yielding, good quality assets. Your support is critical to Landmark's success.

We appreciate your continued confidence in Landmark Community Bank and we urge you to continue to refer your friends, neighbors and business associates to yourbank.

Very truly yours,

Daniel R. Nulton

President & Chief Executive Officer