Exhibit 99(c)

NEWS RELEASE

November 30, 2001

For Further Information Contact:
Jerry Francis, CEO, City Holding
 (304) 769-1112

          City Holding Company Defers Dividend on Trust Preferred Stock

         CHARLESTON,  West  Virginia,  November  30th/PR  Newswire/City  Holding
Company (NASDAQ-NMS: CHCO), a $2.0 billion bank holding company headquartered in
Charleston today announced dividend payments on the City Holding Company Trust I
Preferred Stock scheduled for April 1, 2002 will be deferred.  Dividend payments
on the City Holding  Company  Trust  Preferred II Stock  scheduled for April 30,
2002 will also be deferred.

         The Company previously  announced on June 6, 2001 that dividends on the
Trust I and II Preferred Stock would be deferred  through January 31, 2002. This
followed  denial by the Federal  Reserve of a request by City Holding Company to
continue the dividend payments.

          The Company has determined to defer dividends through April subsequent
to discussions  with its regulator,  the Federal  Reserve Bank of Richmond,  and
following the Company's  third quarter loss.  Generally,  the bank's  regulators
expect that dividends  should be funded by net income over the past year. Due to
a variety of factors including four successive quarterly losses, management does
not expect to pay dividends on either issue of its Trust  Preferred  stock until
the Company achieves adequate and sustainable levels of profitability to support
such dividends. Dividends on both issues are cumulative. Deferred dividends will
also  accumulate  additional  distributions  at the rate of 9.15%  for the Trust
Preferred I Issue and 9.125% for Trust Preferred II Issue.

         The Company  reported  closing on the sale of its California banks (Del
Amo Savings Bank and Frontier  Bancorp  (parent of Frontier State Bank) to First
Federal Bank of California earlier today. Proceeds from the sale will be used to
pay off its debt obligations to another financial institution.

         City Holding  Company is the parent  company of City  National  Bank of
West  Virginia  and City  Financial  Corporation.  In  addition  to its  banking
divisions,  City  National  Bank  operates  City  Insurance  Professionals,   an
insurance agency offering a full range of insurance products and services.

         Information  contained  in this news release  includes  forward-looking
information.  Such forward-looking  information involves risks and uncertainties
and is provided to assist  investors and Company  shareholders in  understanding
anticipated  operations  of the  Company.  The Company  disclaims  any intent or
obligation to update this forward-looking information.