EXHIBIT 99.1



                    (PRINCETON NATIONAL BANCORP, INC. LOGO)

                   PRINCETON NATIONAL BANCORP, INC. TO ACQUIRE
                           SOMONAUK FSB BANCORP, INC.

PRINCETON, Illinois - February 22, 2005 - Princeton National Bancorp, Inc.
(NASDAQ: PNBC)

Princeton National Bancorp, Inc. and Somonauk FSB Bancorp, Inc. announced today
an agreement for Princeton to acquire Somonauk.

Princeton is the parent holding company of Citizens First National Bank, which
has community-banking locations throughout northern Illinois. Somonauk is the
parent holding company of Farmers State Bank of Somonauk, which has banking
locations in Somonauk, Sandwich, Millbrook, Newark and Plano (under
construction), Illinois. This acquisition will increase the level of resources
available to provide opportunities for expanded services, as well as the
convenience of additional locations.

Farmers State Bank has a fine tradition of community banking that has been
earned over 105 years of service to the Somonauk area, while Princeton has been
serving its customers for 140 years.

Tony Sorcic, President & CEO of Princeton, stated, "Of all of the transactions
we've reviewed over the years, the attributes of this transaction are the most
compelling: 1) excellent geographic fit, 2) both are high-performing banks, 3)
experienced management with successful track records, 4) demographics of
customer bases are very similar, 5) long-term community banking tradition of
both, and 6) fair value pricing is accretive to earnings per share and book
value."

Sorcic continued, "Farmers State Bank prides itself on the quality of its staff
and their dedication to its market and customers. The combination of these two
fine staffs will benefit all of the communities currently served by Farmers
State Bank and Citizens First National Bank. All staff members will continue to
do what they do best - serve our customers and our communities."

As of December 31, 2004, Somonauk had total assets of $210,000,000 and Princeton
had total assets of $656,000,000. The combination of the companies will result
in total assets of approximately $890,000,000 (after purchase accounting
adjustments). Princeton has projected revenue and earnings per share models and
anticipates the acquisition of Somonauk to be 5% accretive in the first year.

Somonauk shareholders are expected to receive cash consideration of $782.76 per
share and 6.6923 shares of Princeton common stock for each share of Somonauk
common stock. The cash consideration is subject to possible adjustment based on
the stockholders' equity of Somonauk at the time of closing. In addition,
Somonauk shareholders will receive cash for fractional shares. The transaction
is expected to be taxable to Somonauk shareholders. It is anticipated the cash
portion of the consideration will be funded through the issuance of
trust-preferred securities and through outside financing.

The acquisition, which is subject to the approval of regulatory authorities and
customary closing conditions, is expected to close during the third quarter of
2005.







Craig Wesner, Chairman of the Board of Princeton, stated, "Somonauk has been a
high-performing company, and we are proud to join forces with them. The Somonauk
banks are in the middle of our marketing area and will greatly increase our
market share and visibility. This acquisition will allow Princeton to expand its
service area and will provide opportunities to customers that neither bank could
do alone."

Terry Duffy, President & CEO of Somonauk stated, "Farmers State Bank and
Citizens First National Bank share the same community banking philosophies that
will continue to provide the type of personal, quality service to which Farmers
State Bank customers are accustomed."

Willard Lee, Chairman of Somonauk stated, "Joining a larger and highly
successful institution such as Citizens First National Bank will have a positive
impact on our shareholders and community. I also believe that this merger will
offer additional opportunities for our excellent staff at Farmers State Bank."

Princeton will be filing a registration statement on Form S-4 and other relevant
documents concerning the merger, including a proxy statement for use in
connection with a special meeting of Somonauk shareholders that will be held to
approve the merger, with the Securities and Exchange Commission. SOMONAUK
SHAREHOLDERS ARE URGED TO READ THESE IMPORTANT MATERIALS AND ANY OTHER RELEVANT
DOCUMENTS CAREFULLY BEFORE MAKING ANY DECISION CONCERNING THE MERGER. These
documents will also be available free of charge at the SEC's website,
www.sec.gov. In addition, documents filed with the SEC by Princeton will be
available free of charge from its Corporate Secretary at 606 South Main Street,
Princeton, Illinois 61356, telephone 815-875-4444.

This press release contains certain forward-looking statements, including
certain plans, expectations, goals, and projections, which are subject to
numerous assumptions, risks, and uncertainties. These forward-looking statements
are identified by the use of words such as 1) believes, 2) anticipates, 3)
estimates, 4) expects, 5) projects or similar words. Actual results could differ
materially from those contained or implied by such statements for a variety of
factors including: changes in economic conditions; movements in interest rates;
competitive pressures on product pricing and services; success and timing of
business strategies; the nature, extent, and timing of governmental actions and
reforms; and extended disruption of vital infrastructure. The figures included
in this press release are un-audited and may vary from the audited results.



                               
Inquiries should be directed to:  Lou Ann Birkey, Vice President - Investor Relations,
                                  Princeton National Bancorp, Inc., (815)875-4444
                                  E-Mail address:  pnbc@citizens1st.com