ITEM 1. BUSINESS
INTRODUCTION
First-Knox Banc Corp. (the "Corporation") was incorporated under the laws of the State of Ohio on July 27, 1984. Its principal business is to act as a bank holding company for its wholly-owned subsidiaries, The First-Knox National Bank of Mount Vernon ("First-Knox") and The Farmers & Savings Bank, Loudonville, Ohio ("Farmers" and collectively with First-Knox, the "Banks"). Reference is made to the Statistical Disclosures included elsewhere herein and Item 8. of this Form 10-K for financial information about the Corporation's banking business.
Revenues from loans accounted for 70.0% in 1996, 71.7% in 1995 and 71.4% in 1994 of total consolidated revenues. Revenues from investments and mortgage-backed securities accounted for 21.5% in 1996, 19.9% in 1995 and 20.6% in 1994 of total consolidated revenues.
The business of the Corporation and its subsidiaries is not seasonal to any significant degree, nor is it dependent upon a single or small group of customers. The Corporation and its subsidiaries do not have any banking offices located in a foreign country nor do they have any foreign assets, liabilities or income. In the opinion of management, the Corporation does not have exposure to material costs associated with environmental hazardous waste clean-up.
On October 28, 1996 the Corporation entered into an Agreement and Plan of Merger ("Agreement") with Park National Corporation ("Park National"), a bank holding company headquartered in Newark, Ohio, whereby Park National will acquire First-Knox Banc Corp. Under the terms of the Agreement, Park National will exchange approximately 0.5914 shares of Park National common stock for each share of First-Knox Banc Corp. outstanding in a tax-free exchange. Park National expects to issue an aggregate of 2,345,000 shares of common stock to complete the merger, which is expected to be accounted for as a pooling-of-interests. The exact exchange ratio will be determined by a formula that is based upon, among other things, the market price of Park National common stock and the number of shares of First-Knox Banc Corp. common stock outstanding or subject to options prior to closing. The transaction is subject to certain conditions including regulatory approval and the approval of the shareholders of First-Knox Banc Corp. and Park National.
FIRST-KNOX BUSINESS
The First-Knox National Bank of Mount Vernon, a successor by various reorganizations to Knox County Bank, which was chartered in Ohio in 1847, has been a national banking association under its present name in Mount Vernon, Ohio, since 1939.
In terms of total assets, loans and deposits within its primary market area of Knox, Morrow, Richland and Holmes counties in Ohio, First-Knox is the largest of fifteen banks and bank offices and six savings associations and credit unions. At December 31, 1996, First-Knox had assets of $516.0 million, loans of $318.4 million, and deposits of $378.5 million.
First-Knox is a full service commercial bank providing checking accounts, savings accounts, certificates of deposit, commercial loans, installment loans, credit card loans, commercial and residential real estate mortgage loans, vehicle and equipment leasing, corporate and personal trust services, discount brokerage services, and safe deposit rental facilities. Services are provided through walk-in offices, automated teller machines, and automobile drive-in facilities.
Five of First-Knox's ten offices are located in Knox County, Ohio. First-Knox's Main Office and one full service branch office are located in Mount Vernon, one branch is located in Fredericktown, one branch is located in Danville, and one branch is located in Centerburg, each providing walk-in, drive-through and automated teller machine facilities.
Full service branches providing walk-in, drive-through and automated teller machine facilities are located in Millersburg (Holmes County), as well as the Richland County communities of Lexington and Bellville.
Two branches are located in Mount Gilead (Morrow County), Ohio, one a full service branch providing walk-in services and one a full service branch providing walk-in, drive-through and automated teller machine facilities.
First-Knox faces strong competition from other banks, savings associations, credit unions, insurance companies, securities brokers, and retailers offering financial services.
At December 31, 1996, First-Knox had 180 full-time and 62 part-time employees. First-Knox is not a party to any collective bargaining agreement. Management considers its relationship with its employees to be good.
First-Knox accounts for approximately 90% of the Corporation's consolidated assets.
FARMERS BUSINESS
The Farmers & Savings Bank, Loudonville, Ohio, was chartered as an Ohio corporation in 1905 and has operated under its present name in Loudonville, Ohio, since 1930. At December 31, 1996, Farmers had assets of $60.4 million, loans of $43.5 million, and deposits of $54.7 million. Within the Loudonville banking market, Farmers faces competition from one commercial bank branch and one savings and loan branch. Farmers is the largest of the three offices in terms of deposits.
Farmers is a full service commercial bank providing checking accounts, savings accounts, certificates of deposit, commercial loans, installment loans, commercial and residential mortgage loans, and safe deposit rental facilities. Services are provided through walk-in offices, automobile drive through facilities, and an automated teller machine.
At December 31, 1996, Farmers had 27 full-time and 15 part-time employees. Farmers is not a party to any collective bargaining agreement. Management considers its relationship with its employees to be good.
Farmers accounts for approximately 10% of the Corporation's assets. In addition to the above information, a further description of First-Knox and Farmers is contained in the Financial Review section (page 25) of the Annual Report to Shareholders for the fiscal year ended December 31, 1996 ("1996 Annual Report") included as Exhibit 13 hereto and incorporated herein by reference.
SUPERVISION AND REGULATION
The following is a summary of certain statutes and regulations affecting the Corporation and its subsidiaries. The summary is qualified in its entirety by reference to the statutes and regulations. Management is not aware of any current recommendations by regulatory authorities which, if they were implemented, would have a material adverse effect on the Corporation.
THE CORPORATION
The Corporation is a bank holding company under the Bank Holding Company Act of 1956, as amended, which restricts the activities of the Corporation and the acquisition by the Corporation of voting stock or assets of any bank, savings association or other company. The Corporation is also subject to the reporting requirements of, and examination and regulation by, the Board of Governors of the Federal Reserve system ("Federal Reserve Board"). Subsidiary banks of a bank holding company are subject to certain restrictions imposed by the Federal Reserve Act on transactions with affiliates, including any loans or extensions of credit
to the bank holding company or any of its subsidiaries, investments in the stock or other securities thereof and the taking of such stock or securities as collateral for loans to any borrower; the issuance of guarantees, acceptances or letters of credit on behalf of the bank holding company and its subsidiaries; purchases or sales of securities or other assets; and the payment of money or furnishing of services to the bank holding company and other subsidiaries. A bank holding company and its subsidiaries are prohibited from engaging in certain tie-in arrangements in connection with extensions of credit or provision of property or services.
Bank holding companies are prohibited from acquiring direct or indirect control of more than 5% of any class of voting stock or substantially all of the assets of any bank holding company without the prior approval of the Federal Reserve Board. In addition, acquisitions across state lines are limited to acquiring banks in those states specifically authorizing such interstate acquisitions. However, since September 1995, federal law has permitted interstate acquisitions of banks, if the bank acquired retains its separate charter.
BANKS
As a national bank, First-Knox is supervised and regulated by the Comptroller of the Currency ("Comptroller"). As an Ohio chartered bank, Farmers is supervised and regulated by the Ohio Division of Financial Institutions and the Federal Deposit Insurance Corporation ("FDIC"). The deposits of First-Knox and Farmers are insured by the FDIC and both entities are subject to the applicable provisions of the Federal Deposit Insurance Act. A subsidiary of a bank holding company can be liable to reimburse the FDIC if the FDIC incurs or anticipates a loss because of a default of another FDIC-insured subsidiary of the bank holding company or in conjunction with FDIC assistance provided to such subsidiary in danger of default. In addition, the holding company of any insured financial institution that submits a capital plan under the federal banking agencies' regulations on prompt corrective action guarantees a portion of the institution's capital shortfall, as discussed below. Various requirements and restrictions under the laws of the United States and the State of Ohio affect the operations of the Banks, including requirements to maintain reserves against deposits, restrictions on the nature and amount of loans which may be made and the interest which may be charged thereon, restrictions relating to investments and other activities, limitation on credit exposure to correspondent banks, limitations based on capital and surplus, limitations on payment of dividends, and limitations on branching. Under current law, the Banks may establish branch offices throughout the State of Ohio. Pursuant to recent federal legislation, First-Knox may branch across state lines, if permitted by the law of the other state. In addition, effective June 1997, such interstate branching will be authorized, unless the law of the other state specifically prohibits the interstate branching authority granted by federal law.
The Federal Reserve Board has adopted risk-based capital guidelines for bank holding companies and for state member banks. The risk-based capital guidelines include both a definition of capital and a framework for calculating risk-weighted assets by assigning assets and off-balance sheet items to broad risk categories. The required minimum ratio of capital to risk-weighted assets (including certain off-balance sheet items, such as stand-by letters of credit) was 8.0% at December 31, 1996, as disclosed in Note 14 (page 20) of the Corporations's 1996 Annual Report (See Exhibit 13). At least half of the total required regulatory capital is to be comprised of common stockholders' equity, including retained earnings, non-cumulative perpetual preferred stock, a limited amount of cumulative perpetual preferred stock, and minority interests in equity accounts of consolidated subsidiaries less goodwill and certain other intangible assets ("Tier 1 capital"). The remainder ("Tier 2 capital") may consist of, among other things, mandatory convertible debt securities, a limited amount of subordinated debt, other preferred stock and a limited amount of allowance for loan and lease losses. The Federal Reserve Board has also imposed a minimum leverage ratio (Tier 1 capital to total assets) of 4% for bank holding companies and state member banks that meet certain specified conditions, including no operational, financial or supervisory deficiencies, and including those having the highest regulatory (CAMEL) rating. The minimum leverage ratio is 1.0-2.0% higher for other holding companies and state member banks based on their particular circumstances and risk profiles and those experiencing or anticipating significant
growth. National banks are subject to similar capital requirements adopted by the comptroller and state non-member banks are subject to similar capital requirements adopted by the FDIC and the Ohio Division of Financial Institutions.
The Corporation and its subsidiaries currently satisfy all regulatory capital requirements. Failure to meet the capital guidelines could subject a banking institution to a variety of enforcement remedies available to federal regulatory authorities, including dividend restrictions and the termination of deposit insurance by the FDIC. Under an outstanding proposal of the Comptroller and the FDIC, the subsidiaries may be required to have additional capital if their interest rate risk exposure exceeds acceptable levels provided for in the regulation when adopted. In addition, the federal banking regulators have established regulations governing prompt corrective action to resolve capital deficient banks. Under these regulations, banks which become undercapitalized become subject to mandatory regulatory scrutiny and limitations, which increase as capital continues to decrease. Such banks are also required to file capital plans with their primary federal regulator, and their holding companies must guarantee the capital shortfall up to 5% of the assets of the capital deficient bank at the time it becomes undercapitalized.
DIVIDEND REGULATION
The ability of the Corporation to obtain funds for the payment of dividends and for other cash requirements is largely dependent on the amount of dividends which may be declared by its subsidiary banks. However, the Federal Reserve Board expects the Corporation to serve as a source of strength to the subsidiaries, which may require it to retain capital for further investment in the subsidiaries, rather than for dividends for shareholders of the Corporation. Generally, First-Knox and Farmers must have the approval of their respective regulatory authorities if a dividend in any year would cause the total dividends for that year to exceed the sum of the current year's net profits and the retained net profits for the preceding two years, less required transfers to surplus. A national bank may not pay a dividend in an amount greater than its net profits then on hand, after deducting its losses and bad debts. In addition, if the surplus fund of the national bank is less than or equal to its common capital, no dividends may be declared unless there has been carried to the surplus fund not less than one-tenth part of the national bank's net profits of the preceding half-year in the case of quarterly or semiannual dividends, or not less than one-tenth part of its net profits of the preceding two consecutive half-year periods in the case of an annual dividend. The Banks may not pay dividends to the Corporation if, after such payment, they would fail to meet the required minimum levels under the risk-based capital guidelines and the minimum leverage ratio requirements. Payment of dividends by the Banks may be restricted at any time at the discretion of the regulatory authorities, if they deem such dividends to constitute an unsafe and/or unsound banking practice or if necessary to maintain adequate capital for the Banks. See Exhibit 13, 1996 Annual Report page 1, Comparative Stock Data and page 20, Note 14 and Item 5., which are herein incorporated by reference.
DEPOSIT INSURANCE ASSESSMENTS AND RECENT LEGISLATION
The FDIC is authorized to establish separate annual assessment rates for deposit insurance for members of the Bank Insurance Fund ("BIF") and the Savings Association Insurance Fund ("SAIF"). First-Knox and Farmers are members of the BIF. The FDIC may increase assessment rates for either fund if necessary to restore the fund's ratio of reserves to insured deposits to its target level within a reasonable period of time and may decrease such rates if such target rates if such target level has been met. The FDIC has established a risk-based assessment system for both BIF and SAIF members. Under this system, assessments vary based on the risk the institution poses to its deposit insurance fund. The risk level is determined based on the institution's capital level and the FDIC's level of supervisory concern about the institution.
Because BIF became fully funded, BIF assessments for healthy commercial banks were reduced to, in effect, $2,000 per year during 1996. Federal legislation, which became effective September 30, 1996, provides, among other things, for the costs of prior thrift
failures to be shared by both the SAIF and the BIF. As a result of such cost sharing, BIF assessments for healthy banks during 1997 will be $.013 per $100 in deposits.
MONETARY POLICY AND ECONOMIC CONDITIONS
The commercial banking business is affected not only by general economic conditions, but also by the policies of various governmental regulatory authorities and, in particular, the Federal Reserve Board. It regulates money and credit conditions and interest rates in order to influence general economic conditions primarily through open market operations in U.S. Government securities, varying the discount rate on member bank borrowings and setting reserve requirements against bank deposits. These policies and regulations significantly affect the overall growth and distribution of bank loans, investments and deposits, and the interest rates charged on loans, as well as interest rates paid on deposits and accounts.
The monetary policies of the Federal Reserve Board are expected to continue their substantial influence on the operating results of commercial banks. Coupled with the changing conditions in the economy and the money market, the impacts on the performance of the Corporation and the Banks are difficult to predict.
STATISTICAL DISCLOSURES
The following section contains financial disclosures as required under Industry Guide 3, "Statistical Disclosure by Bank Holding Companies." The information provided should be read in conjunction with the narrative analysis presented in the Financial Review and Consolidated Financial Statements of the Corporation and its subsidiaries contained in the 1996 Annual Report.
I. Distribution of Assets, Liabilities and Stockholders' Equity; Interest Rates and Interest Differential
The average balance sheet information and the related analysis of net interest income for the years ended December 31, 1996, 1995 and 1994, as required is included in Table II "Average Balances and Analysis of Net Interest Income" on page 27 of the Corporation's 1996 Annual Report (See Exhibit 13) which is herein incorporated by reference.
The analysis of the changes in interest income and expense from 1995 to 1996 and from 1994 to 1995 is included in Table III "Rate and Volume Analysis of Changes in Interest Income and Interest Expense" on page 28 of the Corporation's 1996 Annual Report (See Exhibit 13) which is herein incorporated by reference.
II. Investment Portfolio
A schedule of the carrying value of securities available for sale and related information on fair values, maturities and average yields is included in Table IV "Securities Available for Sale" on page 29 of the Corporation's 1996 Annual Report (See Exhibit 13) which is herein incorporated by reference.
Excluding obligations of the U.S. Treasury and other agencies and corporations of the U.S. government, there were no investment or mortgage-backed securities of any one issuer which exceeded 10% of consolidated shareholders' equity at December 31, 1996.
VI. Return on Equity and Assets
The return on assets, return on equity, dividend payout ratio and equity to assets ratio, for the years ended December 31, 1996, 1995 and 1994, as required, are included in Table I "Financial Ratios For Five Years" on page 25 of the Corporation's 1996 Annual Report (See Exhibit 13) which is herein incorporated by reference.
VII. Short Term Borrowings
The information in item VII is not required to be given because the average balance for any category of short-term borrowings for 1995, 1994 and 1993 did not exceed 30% of stockholders' equity at the end of those respective years.
Item III, Loan Portfolio; Item IV, Summary of Loan Loss Experience; and Item V, Deposits, are incorporated by reference to Appendix D of the Park National Corporation and First-Knox Banc Corp. Joint Proxy Statement/Prospectus dated March 20, 1997 (exhibit 99).
ITEM 2.

ITEM 2. PROPERTIES
First-Knox owns and occupies its headquarters in Mount Vernon, Ohio. Farmers owns and occupies its headquarters in Loudonville, Ohio. First-Knox owns a free-standing operations center in Mount Vernon, Ohio. All branch office locations for both Banks are owned with the exception of the Millersburg branch of First-Knox where a portion is leased. The Corporation considers its properties to be satisfactory for current operations. See information under the heading "First-Knox National Bank Offices" and "Farmers and Savings Bank Offices" on page 34 of the Corporation's 1996 Annual Report (Exhibit 13), which is incorporated herein by reference.
ITEM 3.

ITEM 3. LEGAL PROCEEDINGS
The Corporation's subsidiaries had various claims and lawsuits pending at December 31, 1996, arising out of the ordinary course of their business. It is the opinion of management that such litigation will not materially affect the Corporation's financial position or earnings.
ITEM 4.

ITEM 4. SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS
No matters were submitted to a vote of security holders during the fourth quarter of the fiscal year covered by this report.
PART II
ITEM 5.

ITEM 5. MARKET FOR THE REGISTRANT'S COMMON EQUITY AND RELATED STOCKHOLDER MATTERS
See: 1996 Annual Report, page 1 - Comparative Stock Data, and page 20 - Note 14, which are incorporated herein by reference (See Exhibit 13).
ITEM 6.

ITEM 6. SELECTED FINANCIAL DATA
See: 1996 Annual Report, page 25 Table I, "Financial Ratios for Five Years," and page 32 Table VI, "Ten Years of Progress Statement Summary," which are incorporated herein by reference (See Exhibit 13).
ITEM 7.

ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS
See: 1996 Annual Report, pages 25 through 32, "Financial Review," which are incorporated herein by reference (See Exhibit 13).
ITEM 8.

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA
The consolidated financial statements included in the Corporation's 1996 Annual Report to Shareholders for the fiscal year ended December 31, 1996 (pages 7-23), and the report of Crowe, Chizek and Company LLP (page 24) contained therein are incorporated herein by reference. See Item 14, index to financial statements and schedules. The supplementary financial information specified by item 302 of Regulation S-K is included in Note 18 (page 23) of the Annual Report.
ITEM 9.

ITEM 9. CHANGES AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURES
None
PART III
ITEM 10.

ITEM 10. DIRECTORS AND EXECUTIVE OFFICERS
Information regarding directors and executive officers also serving as directors is set forth in the Park National Corporation and First-Knox Banc Corp. Joint Proxy Statement/Prospectus dated March 20, 1997, (pages 66-68), which is included as Exhibit 99 hereto and incorporated herein by reference. No facts exist which would require disclosure under Item 405 for Regulation S-K except for Mr. Parrish, who was late in filing one (1) Form to report ten (10) transactions. The Form subsequently was filed and the Corporation believes all officers, directors, and greater than ten percent shareholders are current regarding their Section 16(a) filings.
EXECUTIVE OFFICERS OF THE REGISTRANT
The following table sets forth certain information with respect to executive officers who do not serve as directors:
Position
Both Mr. Yance and Mr. Watson have held these positions for more than five years.
ITEM 11.

ITEM 11. EXECUTIVE COMPENSATION
Information regarding compensation of directors and executive officers including change of control arrangements is set forth in the Park National Corporation and First-Knox Banc Corp. Joint Proxy Statement/Prospectus dated March 20, 1997, (pages 68-69), which is included as Exhibit 99 hereto and incorporated herein by reference.
EXECUTIVE COMPENSATION
The following table sets forth, for the three (3) fiscal years ended December 31, 1996, cash and non-cash compensation paid by the Bank to Carlos E. Watkins, President and CEO of the Corporation and the Bank and the only executive officer of the Corporation to earn salary and bonuses in excess of $100,000.
SUMMARY COMPENSATION TABLE
(1) All bonuses reported were earned by Mr. Watkins pursuant to the incentive compensation plan of the Corporation and its affiliate banks (the "Incentive Compensation Plan"). Bonus amounts are determined and paid in the year following the year in which they are earned. Such bonus amounts are reported in the Summary Compensation Table in the year in which they were earned.
(2) Includes contributions of $2,850, $2,772 and $2,772 to the Company's Savings Retirement Plan (the "Savings Retirement Plan") made on behalf of Mr. Watkins to match pre-tax elective deferral contributions in 1996, 1995 and 1994, respectively.
(3) The award was originally granted in regard to 3,704 Common Shares. That number subsequently was adjusted to reflect a distribution in the nature of a five percent (5%) stock dividend paid to all shareholders of the Corporation in October, 1994, a one hundred percent (100%) stock dividend paid to all shareholders of the Corporation in September, 1995 and a five percent (5%) stock dividend paid to all shareholders of the corporation in September, 1996.
GRANT OF STOCK OPTIONS AND STOCK APPRECIATION RIGHTS
During 1996 4,000 stock options and 800 stock appreciation rights were granted to Mr. Watkins.
STOCK OPTION AND STOCK APPRECIATION RIGHTS AND EXERCISES AND HOLDINGS
The following table sets forth certain information concerning the value at December 31, 1996 of unexercised options and SARs held by Mr. Watkins. Mr. Watkins did not exercise any options or SARs during 1996.
AGGREGATE OPTION/SAR EXERCISES IN LAST FISCAL YEAR AND FY-END OPTION/SAR VALUES
EMPLOYEES RETIREMENT PLAN
The following table shows the estimated annual benefits payable under the First-Knox National Bank Employees Retirement Plan (the "Pension Plan) upon retirement for specified periods of service and levels of remuneration. The calculations assume that the person elects the annuity basis providing the maximum monthly payments without benefits to a surviving spouse.
The Pension Plan provides for defined benefits upon retirement based on years of service, attaining the age of 65 and salary level. The Pension Plan also provides early retirement benefits and surviving spouses' benefits after satisfying certain requirements. No reduction in benefits is made as a result of Social Security benefits received.
The monthly retirement benefits is equal to 30% of average monthly compensation reduced proportionately, if the employee has less than 20 years of service at normal retirement, plus 20% of average monthly compensation greater than the Social Security covered compensation level. The monthly retirement benefit is reduced proportionately if the employee has less than 35 years of service at normal retirement. Certain limitations are imposed on the maximum benefits payable as a 5 year certain of life annuity. Average monthly compensation is defined as the average of the highest five consecutive years of compensation out of the last ten years worked. Mr. Watkins has nine (9) years of service credited to him under the Pension Plan. He will be eligible to retire and receive benefits under the Pension Plan when he attains age 65. Compensation utilized for pension formula purposes includes only the salary and annual bonus reported in the Salary and Bonus columns of the Summary Compensation Table.
The Bank has purchased a life insurance policy on the life of Mr. Watkins. Under such policy, and a related agreement, Mr. Watkins or his beneficiary will receive an annual payment of $25,000 for ten years beginning the month following Mr. Watkin's 65th birthday if he is employed by the Bank at such time. If Mr. Watkins dies prior to age 65 or he is no longer an employee of the Bank on his 65th birthday, the Bank is entitled to the proceeds of the policy. The insurance policy is maintained as a supplemental retirement benefit to Mr. Watkins. The total cash surrender value of the policy is an asset of the Corporation to which Mr. Watkins has no rights or interest.
ITEM 12.

ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT
See: The Park National Corporation and First-Knox Banc Corp Joint Proxy Statement/Prospectus dated March 20, 1997 (pages 31 - 33), which is included as Exhibit 99 hereto and incorporated herein by reference.
ITEM 13.

ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS
See: The Corporation's 1996 Annual Report (Exhibit 13) page 21, Note 15, which is incorporated herein by reference and the Park National Corporation and First-Knox Banc Corp Joint Proxy Statement/Prospectus dated March 20, 1997 (page 69), which is included as Exhibit 99 hereto and incorporated herein by reference.
PART IV
ITEM 14.

ITEM 14. EXHIBITS, FINANCIAL STATEMENT SCHEDULES, AND REPORTS ON FORM 8-K
First-Knox Banc Corp. Index to Financial Statements and Schedules For the Three Years Ended December 31, 1996
------------ (a) The following financial statements are incorporated herein by reference from the Annual Report to Shareholders filed as Exhibit 13 to this filing:
Schedules have been omitted since they are either not required or not applicable, or since the required information is shown in the financial statements or related notes.
The following table provides certain information concerning the executive compensation plans and arrangements required to be filed as exhibits to this report:
Signatures
Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.
First-Knox Banc Corp. (Registrant)
By Carlos E. Watkins March 28, 1997 - -------------------- Carlos E. Watkins, President
Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed on March 28, 1997, by the following persons on behalf of the Registrant and in the capacities indicated.
- -s- Philip H. Jordan, Jr. Chairman of the Board of Directors, and Director
- -s- Carlos E. Watkins -s- Maureen Buchwald President & Director Director
- -s- Robert S. Gregg -s- Noel C. Parrish Director Director
- -s- James J. Cullers -s- Kenneth W. Stevenson Director Director
-s- Gordon E. Yance Vice President, Treasurer (chief financial officer and chief accounting officer)
EXHIBIT LIST AND INDEX
FIRST-KNOX BANC CORP. FORM 10-K
for the Year Ended December 31, 1996
Exhibit
EXHIBIT LIST AND INDEX FIRST-KNOX BANC CORP. FORM 10-K
For the Year Ended December 31, 1996 (Continued)
EXHIBIT LIST AND INDEX FIRST-KNOX BANC CORP. FORM 10-K For the Year Ended December 31, 1996 (Continued)
EXHIBIT LIST AND INDEX FIRST-KNOX BANC CORP. FORM 10-K For the Year Ended December 31, 1996 (Continued)