Heartland BancCorp Completes Acquisition of Northern Kentucky/ Cincinnati-Focused Victory Community Bank - Seite 3

Heartland cautions that the foregoing list of factors is not exclusive. All subsequent written and oral forward-looking statements are expressly qualified in their entirety by the cautionary statements above. Heartland does not undertake any obligation to update any forward-looking statement to reflect circumstances or events that occur after the date the forward-looking statements are made.

Contacts:		G. Scott McComb, Chairman & CEO Heartland BancCorp  614-337-4600