8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, DC 20549

FORM 8-K

CURRENT REPORT Pursuant

to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of report (Date of earliest event reported):  November 21, 2005

Tri-State 1^st Banc, Inc.

(Exact Name of Registrant as Specified in Its Charter)

Ohio

(State or Other Jurisdiction of Incorporation)

000-32489 34-1824708

(Commission File Number) (IRS Employer Identification No.)

16924 St. Clair Avenue

East Liverpool, Ohio 43920

(Address of Principal Executive Offices) (Zip Code)

(330) 385-9200

(Registrant's Telephone Number, Including Area Code)

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Item 8.01. Other Events

On November 21, 2005, Tri-State 1^st Banc, Inc. (the "Company") issued a press release entitled, "Tri-State 1^st Banc Declares Dividend."

The full text of the Company's press release is filed as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference.

Item 9.01. Financial Statements and Exhibits

3. Exhibits

99.1 Press Release

SIGNATURES

Pursuant to the requirements 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.

Tri-State 1^st Banc, Inc.

Date: November 21, 2005 By: Charles B. Lang

Charles B. Lang,

President

EXHIBIT INDEX

Exhibit No. Description

99.1 Press Release

EX-99.1

11/18/05 NEWS RELEASE

For Immediate Release

Tri-State 1^st Banc

Declares Dividend

East Liverpool, OH. -- The Board of Directors of Tri-State 1^st Banc, Inc. (NASDAQ "TSEO") at its meeting held November 18, 2005 declared a dividend in the amount of $.10 per share to be paid to its shareholders for the fourth quarter of 2005. The dividend will be paid on December 19, 2005 to shareholders of record on November 29, 2005.

Tri-State 1^st Banc is the parent company of 1^st National Community Bank, MDH Investment Management, Inc and Gateminder Corporation.

Dividends of $.10 per share were previously paid to shareholders by the company in April, June and September this year. The $.40 per share paid to shareholders for the year 2005 represents an increase of $.02 per share or 5.6% over dividends paid to shareholders in 2004.

Edward L. Baumgardner, Chief Executive Officer of the Bank, reported that the Board of Directors named Stephen A. Beadnell to the position of Chief Financial Officer of

1^st National Community Bank and the holding company effective December 1, 2005.

Mr. Beadnell is a CPA and received his MBA degree from Youngstown State University. He has been associated with the Bank in the capacity of Vice President and Information Technology Director since November 2002.

1^st National Community Bank operates five banking offices in Columbiana County, Ohio. Other offices include the New Cumberland, West Virginia office and an office in Midland, Pennsylvania. The Bank maintains ten ATM locations for the convenience of its customers at six banking offices and at four off-site locations in the tri-state area.

Bank customers have surcharge free use of these ten ATM machines.

Gateminder Corporation is engaged in providing accounting, ATM sales and repair service, and oversight of ATM operations for merchants, entertainment venues and financial institutions. MDH Investment Management Inc., with Marc D. Hoffrichter as its President, provides investment management services to individuals in 14 states. The company manages over $60 million in assets.

The Office of the Comptroller of the Currency chartered the 1st National Community Bank on June 1, 1987 as a national banking association. There are presently 73 full-time and part-time employees of the Bank.

Contact Person:

Charles B. Lang, Chairman

Tri-State 1^st Banc, Inc.

16926 St. Clair Avenue

P. O. Box 796

East Liverpool, OH., 43920 (330) 385-9200 FAX (330) 386-7452