Exhibit 99.1

CSB BANCORP, INC. REPORTS 45% INCREASE
IN FOURTH QUARTER 2005 EARNINGS PER SHARE

Fourth Quarter Highlights

• Diluted earnings per share of $0.35

• Net income of $903 thousand

• Return on average common equity of 9.93%

• Return on average assets of 1.12%

Millersburg, Ohio — January 26, 2006 — CSB Bancorp, Inc. (OTCBB: CSBB.ob) today announced fourth quarter 2005 net income of $903 thousand, or $0.35 per diluted share, up from $651 thousand, or $0.24 per diluted share, for the same period in 2004. Annualized returns on average common equity (“ROE”) and average assets (“ROA”) for the quarter were 9.93% and 1.12%, respectively, compared with 7.13% and 0.82% for the fourth quarter of 2004.

For the full year of 2005, the Company reported net income of $2.9 million, or $1.09 per diluted share, up from $2.5 million, or $0.95 per diluted share, for the year of 2004. ROE and ROA were 7.92% and 0.91%, respectively, compared with 7.15% and 0.81% for the prior-year.

“CSB’s fourth quarter results reflect continued progress with enhancing our other income generation through the introduction of an overdraft privilege program as well as improving our net interest margin,” said John J. Limbert, President and CEO. “We have taken steps to increase the volume of earning assets while continuing to grow core deposit relationships on our balance sheet. These increases have had a positive effect this quarter despite a challenging interest rate environment.”

Focusing on CSB’s strong equity position, Mr. Limbert added, “Our capital management strategy of repurchasing shares resulted in the purchase of over 66,000 shares in the fourth quarter. Even with these purchases, our equity to assets ratio stands at a very strong 10.96%! This strong capital position, coupled with strong credit quality and core earnings dependability, will allow us to explore a variety of strategic alternatives, including expanding our company’s market presence via new banking centers or through acquisitions.”

Mr. Limbert also commented on the Company’s fee income during the fourth quarter, “Service charges improved strongly over the past quarter and on a year-over-year basis. We continue to look for ways to enhance service charge revenue and the addition of overdraft privilege to our product line has been embraced by our consumer and small business customer base.”

Total revenue, defined as net interest income on a fully-tax equivalent (“FTE”) basis plus non-interest income net of securities transactions, was $4.2 million for the fourth quarter of 2005, compared with $3.6 million in the prior-year quarter, an increase of 16.6%. FTE net interest income increased 13.5% year-over-year, to $3.4 million. The net interest margin increased 42 basis points to 4.54%, while average assets increased $8.7 million to $321 million. During the fourth quarter of 2005, the average investment portfolio increased approximately $11 million, or 16%, compared with the fourth quarter of 2004, while average loans decreased $1.1 million, or .5%, to $215.4 million.

Non-interest income for the fourth quarter of 2005 totaled $707 thousand, compared with $527 thousand for the fourth quarter of 2004, an increase of 34.2%. During the fourth quarter of 2005, service charges on deposits rose $139 thousand, or 62.9%, compared with the fourth quarter of 2004. Trust and brokerage fees increased $32 thousand, or 31.7%, in the fourth quarter of 2005 compared with the year-ago quarter, a direct result of increased assets under management and revenue from the opening of a Trust Office in Wooster, Ohio in 2005.

Non-interest expense totaled $2.8 million for the fourth quarter of 2005, compared with $2.6 million for the fourth quarter of 2004, an increase of 8.9%. The efficiency ratio for the quarter was 66.96%, compared with 71.65% for the year ago quarter.

Federal income tax expense was $397 thousand and $237 thousand for the quarters ended December 31, 2005 and 2004, respectively. The effective tax rate for the fourth quarter 2005 was 30.5% compared to 26.7% for the same quarter in 2004. The increase in the fourth quarter 2005 reflected a decline in tax-free interest income, primarily resulting from the sale and maturity of bonds within the tax-free investment portfolio. For the years ended December 31, 2005 and 2004, the federal income tax expense was $1.2 million (effective rate of 28.9%) and $653 thousand (effective rate of 20.6%), respectively.

As of December 31, 2005, nonperforming assets were $1.2 million, or 0.58% of period-end loans plus other real estate, compared with $1.4 million, or 0.64%, as of September 30, 2005, and $1.6 million or 0.76%, as of December 31, 2004. Net recoveries for the fourth quarter of 2005 totaled $1.0 thousand, compared with net recoveries of $1.0 thousand for the fourth quarter of 2004. Commenting on the company’s credit quality Limbert said, “At year end our delinquency rate stood at         .53% versus 1.04% at year end 2004. Coupled with the low non-performing assets and declining charge off rates we remain optimistic about our ability to manage any credit deterioration resulting from a slowing economy.”

The Company recorded no loan loss provision in the fourth quarter of 2005 or the fourth quarter of 2004. During the first and second quarters of 2005, two different commercial loans were reclassified from nonperforming loans to other real estate owned. The decrease in loan loss provision from the previous quarter reflects the increase in the Company’s level of allowance for loan losses as a percentage of nonperforming loans, resulting in lower or no loss provisions for the subsequent quarters during 2005.

During the fourth quarter of 2005, the level of nonperforming loans improved from the prior quarter. This improvement combined with a declining historical charge-off history, factored into the Company’s reserve methodology. The allowance for loan losses at December 31, 2005 was 1.14% of period-end loans, compared with 1.12% on September 30, 2005 and 1.18% on December 30, 2004. The year-end ratio of allowance for loan losses to non-performing loans stood at 305%.

Assets at December 31, 2005 totaled $321 million, up 1.15% from December 31, 2004. Period-end loans declined $3.1 million or 1.4%, driven by a $6 million decline in mortgage loans coupled with a $2 million reduction in commercial participation loans that were repurchased by the originating bank. These reductions in loan balances were partially offset by home equity loans increasing $4.4 million or 31.4%, and consumer installment loans increasing approximately $1 million. Investment securities increased $5.0 million, or 6.6%, over the same time period in 2004.

Deposits totaled $255 million at December 31, 2005, compared with $248 million on December 31, 2004. Compared with September 30, 2005, total deposit growth was flat for the fourth quarter. Year-over-year, average checking account balances have increased approximately $2 million. Over those same time periods, money market accounts increased $5 million, as a result of a new product offering, while average traditional savings accounts declined $2 million. As the period represented a time of rising short-term interest rates, time deposits of less than $100 thousand grew an average $6 million from fourth quarter 2004 to fourth quarter 2005, while time deposits greater than $100 thousand remained virtually unchanged.

Shareholders’ equity was $35.2 million on December 31, 2005. The Company’s capital position remains strong, as tangible equity to assets was 10.96%, compared with 11.41% on December 31, 2004. The common dividend paid during the quarter was $0.14 per share, a $0.01 increase from the prior-year quarter. During the fourth quarter of 2005 the Company repurchased 66,439 common shares. Period-end common shares outstanding totaled 2.578 million.

About CSB Bancorp

CSB Bancorp is a diversified financial services holding company headquartered in Millersburg, Ohio, with approximate assets of $321 million as of December 31, 2005. CSB Bancorp provides a complete range of banking and other financial services to consumers and businesses through its wholly-owned subsidiary, The Commercial & Savings Bank, with nine banking centers in Holmes, Tuscarawas and Wayne counties.

Forward-Looking Statement

This release contains forward-looking statements relating to present or future trends or factors affecting the banking industry, and specifically the financial condition and results of operations, including without limitation, statements relating to the earnings outlook of the Company, as well as its operations, markets and products. Actual results could differ materially from those indicated. Among the important factors that could cause results to differ materially are interest rate changes, softening in the economy, which could materially impact credit quality trends and the ability to generate loans, changes in the mix of the Company’s business, competitive pressures, changes in accounting, tax or regulatory practices or requirements and those risk factors detailed in the Company’s periodic reports and registration statements filed with the Securities and Exchange Commission. The Company undertakes no obligation to release revisions to these forward- looking statements or reflect events or circumstances after the date of this release.

Contact Information:
Paula J. Meiler, SVP & CFO
330-763-2873
paula.meiler@csb1.com

CSB BANCORP, INC.
CONSOLIDATED FINANCIAL HIGHLIGHTS
(Unaudited)
(Dollars in thousands except per share date)

	Quarters
	2005			2005			2005			2005			2004
EARNINGS	4th Qtr			3rd Qtr			2nd Qtr			1st Qtr			4th Qtr
Net interest income FTE(a)	$	3,449		$	3,299		$	3,112		$	3,019		$	3,039
Provision for loan losses		—			71			106			106			—
Other income		707			539			554			780			527
Other expenses		2,783			2,709			2,634			2,677			2,555
FTE adjustment (a)		74			85			84			90			123
Net income		903			690			613			667			651
Diluted EPS		0.35			0.26			0.23			0.25			0.24
PERFORMANCE RATIOS
Return on average assets (ROA)		1.12	%		0.87	%		0.79	%		0.86	%		0.82	%
Return on average common equity (ROE)		9.93	%		7.49	%		6.78	%		7.42	%		7.13	%
Net interest margin FTE (a)		4.54	%		4.43	%		4.26	%		4.14	%		4.12	%
Efficiency ratio		66.96	%		70.58	%		71.85	%		70.47	%		71.65	%
Number of full-time equivalent employees		127			127			130			125			126
MARKET DATA
Book value/common share	$	13.64		$	13.76		$	13.79		$	13.53		$	13.69
Period-end common share mkt value		21.00			22.35			20.50			20.25			20.00
Market as a % of book		153.96	%		162.43	%		148.66	%		149.67	%		146.09	%
PE ratio		15.00			21.49			22.28			20.25			20.83
Cash dividends/common share	$	0.14		$	0.14		$	0.14		$	0.14		$	0.13
Common stock dividend payout ratio		40.00	%		53.85	%		60.87	%		56.00	%		54.17	%
Average basic common shares		2,620,102			2,644,957			2,644,968			2,644,965			2,644,962
Average diluted common shares		2,623,684			2,649,890			2,648,286			2,653,762			2,653,333
Period end common shares		2,578,499			2,644,952			2,644,966			2,644,968			2,644,962
Common shares repurchased		66,439			28			2			—			—
Common stock market capitalization	$	54,148		$	59,115		$	54,222		$	53,561		$	52,899

	Quarters
	2005			2005			2005			2005			2004
	4th Qtr			3rd Qtr			2nd Qtr			1st Qtr			4th Qtr
ASSET QUALITY
Gross charge-offs	$	35		$	25		$	213		$	303		$	16
Net charge-offs		-1			4			139			271			-1
Allowance for loan losses		2,445			2,444			2,377			2,410			2,575
Nonperforming assets (NPAs)		1,241			1,408			1,391			1,431			1,662
Net charge-off/average loans ratio		0.00	%		0.01	%		0.25	%		0.49	%		0.00	%
Allowance for loan losses/period-end loans		1.14	%		1.12	%		1.06	%		1.08	%		1.18	%
NPAs/loans and other real estate		0.58	%		0.64	%		0.62	%		0.64	%		0.76	%
Allowance for loan losses/nonperforming loans		305.13	%		312.30	%		310.21	%		168.40	%		154.97	%
CAPITAL & LIQUIDITY
Period-end tangible equity to assets		10.96	%		11.39	%		11.72	%		11.44	%		11.41	%
Average equity to assets		11.23	%		11.61	%		11.65	%		11.62	%		11.57	%
Average equity to loans		16.75	%		16.54	%		16.25	%		16.36	%		16.74	%
Average loans to deposits		83.60	%		87.90	%		91.45	%		91.86	%		88.80	%
AVERAGE BALANCES
Assets	$	321,205		$	315,021		$	311,447		$	313,744		$	313,194
Earning assets		301,615			295,342			292,872			295,731			292,918
Loans		215,379			221,096			223,252			222,970			216,468
Deposits		257,623			251,531			244,118			242,728			243,760
Shareholders’ equity		36,078			36,562			36,282			36,470			36,238
ENDING BALANCES
Assets	$	320,989		$	319,412		$	311,171		$	312,665		$	317,340
Earning assets		295,168			296,008			292,762			293,773			297,455
Loans		215,020			218,577			223,442			224,108			218,084
Deposits		255,403			255,745			245,394			243,723			247,951
Total shareholders’ equity		35,177			36,392			36,469			35,769			36,208

NOTES:
(a)-	Net interest income on a fully tax-equivalent (“FTE”) basis restates interest on tax-exempt securities and loans as if such interest were subject to federal income tax at the statutory rate. Net interest income on an FTE basis is not an accounting principle generally accepted in the United States of America.

CSB BANCORP, INC.
CONSOLIDATED BALANCE SHEETS
(Unaudited)

	December 31,			December 31,
	2005			2004
ASSETS
Cash and cash equivalents
Cash and due from banks	$	14,785,250		$	12,501,954
Interest-earning deposits in other banks		124,726			142,338
Federal funds sold		1,740,000			3,000,000
Total cash and cash equivalents		16,649,976			15,644,292
Securities
Available-for-sale, at fair value		78,273,248			73,438,070
Restricted stock, at cost		2,947,000			2,790,400
Total securities		81,220,248			76,228,470
Loans		215,019,673			218,084,479
Less allowance for loan losses		2,445,494			2,574,945
Net loans		212,574,179			215,509,534
Premises and equipment, net		7,671,822			7,709,439
Accrued interest receivable and other assets		2,873,007			2,248,608
TOTAL ASSETS	$	320,989,232		$	317,340,343
LIABILITIES AND SHAREHOLDERS’ EQUITY
Liabilities
Deposits:
Noninterest-bearing		41,807,069			41,733,596
Interest-bearing		213,595,648			206,217,123
Total deposits		255,402,717			247,950,719
Securities sold under repurchase agreements		16,417,616			13,316,473
Federal Home Loan Bank borrowings		13,067,840			18,745,236
Accrued interest payable and other liabilities		930,800			1,120,408
Total liabilities		285,818,973			281,132,836
Shareholders’ equity
Common stock, $6.25 par value. Authorized 9,000,000 Shares; issued 2,667,786 shares		16,673,667			16,673,667
Additional paid-in capital		6,413,915			6,413,915
Retained earnings		14,752,250			13,358,321
Treasury stock at cost — 89,287 shares in 2005 and 22,824 shares in 2004		(2,086,686	)		(627,119	)
Accumulated other comprehensive (loss) income		(582,887	)		388,723
Total shareholders’ equity	$	35,170,259		$	36,207,507
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	$	320,989,232		$	317,340,343

CSB BANCORP, INC.
CONSOLIDATED STATEMENTS OF INCOME
(Unaudited)

	2005		2004		2003
Interest and dividend income:
Loans, including fees	$	14,343,888	$	12,122,379	$	12,452,881
Taxable securities		2,243,081		1,501,812		1,020,512
Nontaxable securities		624,911		1,409,263		1,905,372
Other		145,395		40,094		35,666
Total interest and dividend income		17,357,275		15,073,548		15,414,431
Interest expense:
Deposits		4,128,130		3,237,803		3,849,339
Other		683,566		636,113		782,019
Total interest expense		4,811,696		3,873,916		4,631,358
Net interest income		12,545,579		11,199,632		10,783,073
Provision (credit) for loan losses		282,664		422,621		(51,000	)
Net interest income after provision (credit) loan losses		12,262,915		10,777,011		10,834,073
Non-interest income
Service charges on deposit accounts		1,037,377		846,935		790,587
Merchant fees		19,080		163,086		207,811
Trust services		484,468		386,469		375,929
Securities gains		247,047		587,916		1,068
Gain on sale of loans		23,502		13,481		68,267
Gain on sale of other real estate owned		10,000		—		114,836
Other		759,014		682,423		596,855
Total non-interest income		2,580,489		2,680,310		2,155,353
Non-interest expenses
Salaries and employee benefits		5,671,149		5,250,732		5,516,584
Occupancy expense		677,067		642,048		647,157
Equipment expense		524,112		515,267		490,483
Franchise tax expense		427,435		419,527		408,544
Professional and director fees		677,252		680,043		894,314
Other expenses		2,825,750		2,770,469		2,842,235
Total non-interest expenses		10,802,765		10,278,086		10,799,317
Income before income taxes		4,040,639		3,179,235		2,190,109
Federal income tax provision		1,168,000		653,000		130,000
Net income	$	2,872,639	$	2,526,235	$	2,060,109
Net income per share
Basic	$	1.09	$	.96	$	.78
Diluted	$	1.09	$	.95	$	.78

Note: Certain prior year balances have been reclassified to conform to the current year presentation.