the middlefield banking company mbc was chartered under ohio law in 1901. the company became the holding company for mbc in 1988. mbc offers its customers a broad range of banking services, including checking, savings, and negotiable order of withdrawal (“now”) accounts, money market accounts, time certificates of deposit, commercial loans, real estate loans, and various types of consumer loans, safe deposit facilities, and travelers’ checks. mbc offers online banking and bill payment services to individuals and online cash management services to business customers through its website at www.middlefieldbank.com.