CHARLOTTE, N.C., Oct. 25 /PRNewswire-FirstCall/ -- First Trust Bank (OTC:NCFT) (BULLETIN BOARD: NCFT) announced today that its Board of Directors declared a 20% stock dividend on October 21, 2005. This is the Bank's fifth consecutive stock dividend. Shareholders of record at the close of business on November 14, 2005 are entitled to one additional share for each five shares of First Trust Bank stock held on that date. Additional shares will be distributed on November 29, 2005 with cash paid in lieu of fractional shares. First Trust is a commercial bank whose target market is small to medium sized businesses and professionals. The bank operates three banking offices at 100 Queens Road and 2245 Rexford Road, Charlotte, NC and 108 Gateway Boulevard, Mooresville, NC; and a loan production office at 916 Copperfield Boulevard in Concord, NC. The bank's stock is traded on the Nasdaq OTCBB under the symbol NCFT. For additional information, please contact Jean Galloway or Jim Bolt at 704-377-3936 (fax 704-377-8869) or by e-mail at http://www.firsttrustnc.com/. DATASOURCE: First Trust Bank CONTACT: Jean Galloway or Jim Bolt of First Trust Bank, +1-704-377-3936, or fax, +1-704-377-8869, or e-mail http://www.firsttrustnc.com/ Web site: http://www.firsttrustnc.com/

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