<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>3
<FILENAME>k79346exv99w1.txt
<DESCRIPTION>DIVIDEND ANNOUNCEMENT DATED AUGUST 22, 2003
<TEXT>
<PAGE>
                                                                    EXHIBIT 99.1


                    COMMERCIAL NATIONAL FINANCIAL CORPORATION
                                 DIVIDEND REPORT


Ithaca, Michigan, August 22, 2003 -

Jeffrey S. Barker, President and CEO of Commercial Bank and its holding company,
Commercial National Financial Corporation, announced that on August 20, 2003,
the corporation's Board of Directors declared a cash dividend of $.14 per share.
The dividend will be paid on October 1, 2003, to shareholders of record as of
September 12, 2003. This dividend represents an increase of 5% over the 2002
third quarter dividend adjusted for the 5% stock dividend of November 2002.

Commercial Bank operates full service banking offices in Alma, Greenville,
Ithaca, Middleton, Mt. Pleasant, Pompeii and St. Louis.


Contact:

Daniel E. Raleigh
Vice President
989-875-5504


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