Exhibit 99.2

TO OUR SHAREHOLDERS

Dear Shareholder:

We are pleased to enclose your second quarter dividend remittance with this letter and financial summary. The $.16 per share dividend represents an increase of 14%, or $.02 per share, over the second quarter dividend of the prior year.

The Company recorded unaudited net income of $677 thousand for second quarter, 10% above the results of second quarter 2005. Basic and diluted earnings per share were $.27 for the three months ended June 30, 2006, versus $.23 in second quarter 2005, an increase of 17%. For the six months ended June 30, net income of $1.45 million is 13% ahead of last year’s midpoint results.

During the second quarter, net interest margin and noninterest income both increased compared to the prior year, and we again recorded some improvement in the efficiency ratio. Customer response to new cash management services continues to be encouraging and is generating increased revenue and new deposits in 2006.

The economy in our market area, while not robust, appears to be maintaining a steady pace. With the Federal Reserve providing indications that the current cycle of raising targeted rates may be nearing its closing stages, we’ve positioned the balance sheet to be relatively neutral, although slightly favorable, to further rate increases.

The competitive environment remains a significant challenge to growth of both loans and deposits. Average loan balances were 1% higher than the second quarter of 2005, while average deposit balances were virtually unchanged. We believe our current interest rate spread is positioned to yield strong core earnings while competing effectively on both loan and deposit offerings, and we continue to focus our product and service efforts toward those valued by our current and potential customers.

Thank you for your support as a shareholder of CSB Bancorp, Inc. Your Company’s directors, officers and employees remain committed to increasing financial returns to you, our shareholder.

Sincerely,
ROBERT K. BAKER	EDDIE L. STEINER
Chairman	President and CEO
CSB Bancorp, Inc.	CSB Bancorp, Inc.

CONSOLIDATED STATEMENTS OF CONDITION (UNAUDITED)

(DOLLARS IN THOUSANDS, EXCEPT PER SHARE DATA)

	JUNE 30
	2006			2005
ASSETS:
Cash and due from banks	$	12,001		$	9,859
Federal funds sold		350			—
Securities		72,280			69,222
Net loans		225,643			221,065
Premises and equipment, net		7,487			7,888
Other assets		3,138			3,137
TOTAL ASSETS	$	320,899		$	311,171
LIABILITIES:
Deposits	$	242,823		$	245,394
Securities sold under agreements to repurchase		18,290			12,367
Federal funds purchased		11,600			2,300
Other borrowings		12,705			13,319
Other liabilities		1,682			1,322
TOTAL LIABILITIES	$	287,100		$	274,702
SHAREHOLDERS’ EQUITY:
Common stock	$	16,674		$	16,674
Additional paid-in capital		6,419			6,414
Retained earnings		15,389			13,898
Treasury stock		(3,276	)		(627	)
Accumulated other comprehensive income (loss)		(1,407	)		110
TOTAL SHAREHOLDERS’ EQUITY	$	33,799		$	36,469
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	$	320,899		$	311,171

CONSOLIDATED STATEMENTS OF EARNINGS (UNAUDITED)

(DOLLARS IN THOUSANDS, EXCEPT PER SHARE DATA)

	THREE MONTHS ENDED JUNE 30				SIX MONTHS ENDED JUNE 30
	2006		2005		2006		2005
INTEREST INCOME:
Interest and fees on loans	$	4,147	$	3,543	$	7,969	$	6,828
Interest on securities		859		676		1,739		1,364
Other interest income		0		0		7		1
TOTAL INTEREST INCOME		5,006		4,219		9,715		8,193
INTEREST EXPENSE:
Interest on deposits		1,273		994		2,440		1,863
Other interest expense		460		197		708		373
TOTAL INTEREST EXPENSE		1,733		1,191		3,148		2,236
Net interest income		3,273		3,028		6,567		5,957
Provision for loan losses		115		106		147		212
Net interest income after provision for loan losses		3,158		2,922		6,420		5,745
Noninterest income		720		554		1,330		1,087
Gain on sale of securities		0		0		0		247
Noninterest expense		2,896		2,634		5,643		5,311
Net income before federal income taxes		982		842		2,107		1,768
Federal income tax provision		305		229		656		488
NET INCOME	$	677	$	613	$	1,451	$	1,280
EARNINGS PER SHARE	$	0.27	$	0.23	$	0.57	$	0.48

FINANCIAL HIGHLIGHTS

(DOLLARS IN THOUSANDS, EXCEPT PER SHARE DATA)

	AT OR FOR THE SIX MONTHS
	ENDED JUNE 30
	2006		2005
Assets	$	320,899	$	311,171
Net loans	$	225,643	$	221,065
Securities	$	72,280	$	69,222
Deposits	$	242,823	$	245,394
Shareholders’ equity	$	33,799	$	36,469
Net income	$	1,451	$	1,280
Earnings per share	$	0.57	$	0.48
Book value per outstanding share	$	13.41	$	13.79

KEY RATIOS

	AT OR FOR THE SIX MONTHS
	ENDED JUNE 30
	2006			2005
Return on average assets		0.92	%		0.82	%
Return on average equity		8.37	%		7.11	%
Net interest margin (tax equivalent)		4.49	%		4.20	%
Loans to deposits		93.94	%		91.05	%
Allowance for loan loss to total loans		1.08	%		1.06	%
Shareholders’ equity to total assets		10.53	%		11.72	%
Efficiency ratio		70.48	%		71.14	%

DIRECTORS

Robert K. Baker	Jeffery A. Robb, Sr.
Chairman
	Samuel M. Steimel
Ronald E. Holtman
	Eddie L. Steiner
J. Thomas Lang
	John R. Waltman
Daniel J. Miller

EXECUTIVE OFFICERS

Eddie L. Steiner
President and Chief Executive Officer

Rick L. Ginther
President,
The Commercial & Savings Bank

Paul D. Greig
Chief Operations/Information Officer

Paula J. Meiler
Chief Financial Officer

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STOCK PERFORMANCE & DIVIDENDS

						CASH
QUARTER	TRADE PRICE			CLOSING		DIVIDEND
ENDING		HIGH	LOW		PRICE		DECLARED
9/30/04		20.25	17.80		20.25		0.13
12/31/04		21.00	19.65		20.00		0.13
3/31/05		21.40	19.85		20.25		0.14
6/30/05		21.15	20.05		20.50		0.14
9/30/05		22.55	20.35		22.35		0.14
12/31/05		25.00	21.00		21.00		0.14
3/31/06		21.25	20.50		20.90		0.16
6/30/06		20.87	20.00		20.40		0.16

QUARTER ENDING

ADDITIONAL STOCK INFORMATION

STOCK LISTING
Common:
Symbol — CSBB.OB

STOCK TRANSFER
Registrar & Transfer Company
Attn: Investor Relations
10 Commerce Drive
Cranford, NJ 07016
(800) 368-5948

Copies of
CSB Bancorp, Inc.
S.E.C. Filings may be obtained by writing:

Paula J. Meiler
CSB Bancorp, Inc.
91 North Clay Street
Millersburg, OH 44654
(330) 674-9015 or
(800) 654-9015