EXHIBIT 99

15985 East High Street
P. O. Box 35
Middlefield, Ohio 44062
Phone: 440/632-1666 FAX: 440/632-1700
www.middlefieldbank.com

PRESS RELEASE

Contact:  James R. Heslop, 2nd
Executive Vice President/Chief Operating Officer
(440) 632-1666 Ext. 3219
jheslop@middlefieldbank.com

For Release 9:00 a.m. April 25, 2005

Middlefield Banc Corp. Reports First Quarter Net Income

MIDDLEFIELD, OHIO, April 25, 2005 ¨¨¨¨ Middlefield Banc Corp. (Pink Sheets: MBCN) today reported first quarter 2005 net income of $714,000, or $0.56 per diluted share, compared to $685,000, or $0.53 per diluted share, in the first quarter of 2004. The first quarter 2005 results reflect an annualized return on average assets (ROA) of 0.97% and a return on average equity (ROE) of 12.18%. The comparable ratios for the 2004 first quarter were 1.02% and 11.46%, respectively.

Highlights for the first quarter of 2005 included:

•   Net interest income increased 6.29% over the first quarter of 2004 to $2,568,000. The net interest margin was 3.83% compared to 3.95% for the first quarter of 2004 due primarily to overall market conditions. However, it was relatively equal on a linked quarter basis to the fourth quarter of 2004, which reflected a net interest margin of 3.82%. Middlefield’s net interest margin was higher than expected during the first quarter of 2005 as core deposit rates have lagged the increases in short-term market interest rates. Market competitive conditions may result in further margin compression as market rates are anticipated to further increase over the course of the year.

•   Non-interest income increased $85,000, or 21.46%, over the first quarter of 2004, primarily resulting from the 2004 introduction of an overdraft privilege program and higher service charge revenue associated with an increase in the number of deposit accounts.

•   Middlefield’s provision for loan losses was $60,000 for the first quarter of 2005 and $30,000 for the same period in 2004, while the loan portfolio grew $16,549,000 or 8.20% over March 31, 2004. The provision was increased in 2005 in recognition of the growth exhibited as well as a small number of problem credits that were in the process of collection. At March 31, 2005, the allowance for loan loss as a percentage of total loans was 1.23%, down from 1.26% at March 31, 2004.

•   Non-interest expense increased 13.03% over the first quarter of 2004 to $2,013,000. The change was primarily driven by an increase in full-time equivalent employees, salaries, employee benefits, and an additional pay period during the first quarter of 2005. Advertising and promotional costs were also higher in 2005 as the company’s bank subsidiary continued an aggressive campaign within its existing market area.

•   Total loans increased over $16,549,000 between March 31, 2004 and March 31, 2005. This represents an increase of 8.20%. The largest growth was in the home equity line of credit and commercial loan categories, which together total nearly 40% of the loan portfolio at the end of the first quarter of 2005.

•   Total deposits increased $20,959,000 or 9.17% between March 31, 2004 and March 31, 2005. The major growth category was demand deposit accounts, reflecting the results of two directed marketing campaigns during the last year.

•   In the first quarter of 2005, Middlefield paid a cash dividend of $0.22 per share. This represented an increase of 10% over the $0.20 paid during the first quarter of 2004. The 2004 dividend is adjusted to reflect the 5% stock dividend paid by the company in 2004.

“Middlefield Banc Corp. has had a solid first quarter of 2005. While our total growth has not been to the level that we had planned, we are satisfied that we have positioned our balance sheet to provide for maximum earnings potential during the year, “ commented Thomas G. Caldwell, President and Chief Executive Officer of Middlefield Banc Corp. “During the remainder of 2005, we will look for increased efficiencies within our organization and focus on profitable growth alternatives.”

Caldwell continued, “During the first quarter of 2005, we installed a new imaging software system in our backroom operations. We are excited about the possibilities that are presented with this system. In addition to making this area more efficient, we have also added the capabilities of image statement delivery and substantial document imaging alternatives. We would expect to see the results of this implementation begin to become apparent during the third quarter of this year.”

The company has also announced that it has set Wednesday, May 11, 2005, as the date for its Annual Meeting of Shareholders. The meeting will be held at 1:00 p.m. at Grandview Inn, 13404 Old State Road, Middlefield, Ohio, 44062. The record date for determining shareholders entitled to vote at the annual meeting was March 23, 2005.

Middlefield Banc Corp. and The Middlefield Banking Company are headquartered in Middlefield, Ohio. With assets in excess of $295 million, the bank operates full service banking centers and a UVEST Financial Services® brokerage office serving Chardon, Garrettsville, Mantua, Middlefield, and Orwell, Ohio.

This announcement contains forward-looking statements that involve risk and uncertainties, including changes in general economic and financial market conditions and the Company’s ability to execute its business plans. Although management believes the expectations reflected in such statements are reasonable, actual results may differ materially.

MIDDLEFIELD BANC CORP.
Consolidated Selected Financial Highlights

March 31, 2005 and 2004 and December 31, 2004

	(unaudited)				(unaudited)
Balance Sheet (period end)	March 31,		December 31,		March 31,
	2005		2004		2004
Assets
Cash and due from banks	$	4,386	$	5,312	$	3,434
Federal funds sold		4,675		0		5,505
Available for sale securities		58,042		57,855		49,233
Held to maturity securities		221		221		1,312
Total cash and securities		67,324		63,389		59,484
Loans:		218,474		215,653		201,925
Less: reserve for loan losses		2,686		2,623		2,545
Net loans		215,788		213,030		199,380
Premises and equipment		6,617		6,618		6,707
Bank-owned life insurance		5,474		5,424		5,269
Accrued interest receivable and other assets		3,360		2,754		2,669
Total Assets	$	298,563	$	291,214	$	273,509

	March 31,			December 31,			March 31,
	2005			2004			2004
Liabilities and Stockholders’ Equity
Non-interest bearing demand deposits	$	35,603		$	36,332		$	29,890
Interest bearing demand deposits		8,898			8,818			9,588
Money market accounts		17,095			15,667			15,809
Savings deposits		74,539			75,280			71,017
Certificates of deposit		113,307			103,789			102,178
Total Deposits		249,442			239,885			228,483
Borrowed funds		23,213			25,555			19,728
Other liabilities		864			951			958
Total Liabilities		273,519			266,392			249,169
Common equity		28,438			27,820			25,667
Net Unrealized gain (loss) on securities		(424	)		(29	)		418
Treasury stock		(2,970	)		(2,970	)		(1,745	)
Total Stockholders’ Equity		25,044			24,822			24,340
Total Liabilities and Stockholders’ Equity	$	298,563		$	291,214		$	273,509

MIDDLEFIELD BANC CORP.
Consolidated Selected Financial Highlights
March 31, 2005 and 2004
(unaudited, dollars in thousands, except per share amounts)

	For the Three Months Ended
	March 31,
	2005			2004
Statement of Income
Interest Income	$	4,116		$	3,799
Interest Expense		1,548			1,383
Net interest income		2,568			2,416
Provision for loan losses		60			30
Net interest income after provision for loan losses		2,508			2,386
Non-interest income
Service charges on deposits		353			281
Other income		128			115
Net securities gains (losses)		0			0
Total non-interest income		481			396
Non-interest expense
Salaries and employee benefits		1,016			920
Net occupancy and equipment		256			239
Other operating		741			622
Total non-interest expense		2,013			1,781
Income before income taxes		976			1,001
Provision for income taxes		262			316
Net income	$	714		$	685
Per common share data
Net income per common share — basic	$	0.56		$	0.53
Net income per common share — diluted	$	0.56		$	0.53
Dividends declared	$	0.22		$	0.20
Book value (period end)	$	19.71		$	18.93
Average shares outstanding — basic		1,267,084			1,285,676
Average shares outstanding — diluted		1,285,379			1,292,832
Period ending shares outstanding		1,270,937			1,288,794
Selected ratios
Return on average assets		0.97	%		1.26	%
Return on average equity		12.18	%		14.86	%
Yield on earning assets		6.16	%		6.25	%
Cost of interest bearing liabilities		2.67	%		2.62	%
Net interest spread		3.49	%		3.63	%
Net interest margin		3.83	%		3.95	%
Efficiency		64.70	%		63.33	%
Equity to assets at period end		8.39	%		8.90	%

	March 31,			March 31,
Asset quality data	2005			2004
Allowance for loan losses	$	2,686		$	2,545
Allowance for loan losses/total loans		1.23	%		1.26	%
Net charge-offs:
Quarter-to-date	$	(2	)	$	6
Year-to-date		(2	)		6
Net charge-offs to average loans		0.00	%		0.01	%
Non-performing loans/total loans		0.96	%		0.38	%
Allowance for loan losses/non-performing loans		127.72	%		334.43	%