Star Bank Acquires Nine Winn Dixie/Thriftway In-Store Locations
(Business Wire; 08/31/98)

CINCINNATI (Aug. 31) BUSINESS WIRE -Aug. 31, 1998--Star Bank, N.A., recently 
 signed a definitive agreement to purchase nine in-store banking locations 
 inside Winn Dixie/Thriftway stores in Greater Cincinnati. Star Bank purchased 
 the nine locations from Financial Supermarket, Inc. (FSI), a consulting firm 
 which specializes in the marketing of in-store banks. The in-store locations 
 were sold to FSI by Provident Bank which previously owned the nine branch 
 locations. Winn Dixie is the parent company of the Thriftway stores. Terms of 
 the agreement were not disclosed.

 This acquisition of nine branch offices gives Star Bank 20 in-store locations 
 in Greater Cincinnati with offices in Meijer stores, Remke's Markets, LoBill 
 Foods, and Winn Dixie/Thriftway stores. With the addition of these nine new 
 locations, Star Bank now has 83 in-store locations in Ohio, Kentucky and 
 Indiana.

 The nine locations purchased by Star Bank were previously operated as Provident 
 Bank branches inside Winn Dixie/Thriftway stores with eight of the in-store 
 branches in Ohio communities including Anderson Township, Delhi, Western Hills, 
 Harpers Point, Hyde Park, Monfort Heights, Northgate and Springdale and one in 
 Alexandria, Kentucky.

 Kathleen Beechem, senior vice president and regional manager for Star Bank, 
 commented, "We are very pleased to announce this enhancement to our 
 relationship with Winn Dixie and our growing and highly successful in-store 
 banking division. Currently, Star Bank has branches inside Winn Dixie stores in 
 other markets and we plan to further this relationship with additional 
 locations in their Midwest marketing area. As in all our banking locations, 
 Star Bank and Winn Dixie/Thriftway will work to give customers the highest 
 levels of convenience and service, seven days a week. We feel very fortunate to 
 have an outstanding partner like Winn Dixie/Thriftway to augment our customer 
 convenience commitment in Greater Cincinnati. As a 135 year old organization, 
 Star Bank places much emphasis on quality service and personal attention to its 
 customers. These are traits that are shared by Winn Dixie/Thriftway, which also 
 incorporates customer driven strategies into their day-to-day operations."

 The nine in-store locations closed on Friday, August 28, 1998 and were 
 converted from Provident Bank to Star Bank locations by the morning of Monday, 
 August 31. Star Bank purchased only the banking facilities, all customer 
 relationships are scheduled to be transferred to other Provident Bank branches. 
 Customers who wish to continue to bank at these in-store locations should 
 contact Star Bank.

 Star Bank currently has in-store banking locations in the following retail 
 establishments: Remke's Markets; LoBill Foods; Kroger stores; Super Kmart 
 Centers; Meijer stores; Cub Foods and Lofino Foods stores; bigg's; Rini-Rego 
 stores; Winn Dixie locations; Heinen's; and Giant Eagle.

 A major customer benefit will be the extended banking hours offered at the new 
 Star Bank Thriftway locations. These full-service Star Bank branches will be 
 open from 10:00 a.m. until 8:00 p.m., Monday through Saturday, and from noon 
 until 5:00 p.m. on Sunday. Also, customers of these Thriftway locations will 
 have the advantage of access to Star Bank's "24-Hour Banking System" and "Five 
 Star Service Guarantee," as do other current in-store and traditional banking 
 customers.

 With Star Bank's 24-Hour Banking System customers can now bank where they want, 
 when they want and on their own terms. Star Bank was the first bank in the 
 country to offer a fully integrated customer service and banking convenience 
 package which includes branch banking, voice-activated phone banking, PC 
 banking, Super ATMs, video kiosk banking and Internet banking.

 The Star Bank Five Star Service Guarantee insures customers of certain key 
 banking benefits or they will be paid for their inconvenience. The guarantee 
 states: customers' statements will always be accurate; there will be no longer 
 than a five minute wait in a teller line; Star's ATMs and telephone customer 
 service center representatives will always be ready to serve the customer; and 
 that customer inquiries will receive a same day response or the customer will 
 have $5.00 credited to their account.

 The branch offices inside Thriftway stores will offer Star Bank's customary 
 high quality full-service banking products and services and have traditional 
 teller stations and private office facilities. Customers will be able to 
 conveniently take care of all their banking needs, such as checking, savings, 
 CDs, IRAs, installment and mortgage loans, investment opportunities, obtain one 
 of Star Bank's attractive credit card products, ATM transactions and more.

 Star Banc Corporation (NYSE:STB), the parent company of Star Bank, N.A., is a 
 multi-state bank holding company, incorporated in Ohio, with approximately $17 
 billion in total assets. Star Banc Corporation currently operates 452 full-
 service banking offices in Ohio, Kentucky, Indiana and Tennessee. Star Bank was 
 founded in 1863.