FNCB insider transactions

SVP/RETAIL LENDING OFFICER Kinney Lisa L covered exercise/tax liability with 2,135 shares and returned 14,536 shares to the company, closing all direct ownership in the company (SEC Form 4)

SVP/AUDIT OFFICER Mcguigan William covered exercise/tax liability with 2,109 shares and returned 7,689 shares to the company, closing all direct ownership in the company (SEC Form 4)

Director Bracey William G. returned 186,419 shares to the company, closing all direct ownership in the company (SEC Form 4)

Director Conaboy William P returned 7,114 shares to the company, closing all direct ownership in the company (SEC Form 4)

Director Melone Thomas J. returned 17,927 shares to the company, closing all direct ownership in the company (SEC Form 4)

SVP/CHIEF ACCOUNTING OFFICER Westington Stephanie A. covered exercise/tax liability with 2,565 shares and returned 22,882 shares to the company, closing all direct ownership in the company (SEC Form 4)

SVP/RETAIL BANKING OFFICER Drust Richard D returned 19,463 shares to the company and covered exercise/tax liability with 2,033 shares, closing all direct ownership in the company (SEC Form 4)

EVP/GENERAL COUNSEL Cummings Mary Griffin returned 46,241 shares to the company and covered exercise/tax liability with 3,057 shares, closing all direct ownership in the company (SEC Form 4)

SVP/COMPLIANCE OFFICER Gardner Mary Ann covered exercise/tax liability with 1,720 shares and returned 23,482 shares to the company, closing all direct ownership in the company (SEC Form 4)

Director Denaples Louis A returned 2,218,161 shares to the company, closing all direct ownership in the company (SEC Form 4)

Director Denaples Louis A Jr returned 338,413 shares to the company, closing all direct ownership in the company (SEC Form 4)

Director Eckel Keith W. returned 25,451 shares to the company, closing all direct ownership in the company (SEC Form 4)

Director Lambert Kathleen Mccarthy returned 21,087 shares to the company, closing all direct ownership in the company (SEC Form 4)

Director Denaples Joseph L returned 351,429 shares to the company, closing all direct ownership in the company (SEC Form 4)

Director Coccia Joseph A returned 249,598 shares to the company, closing all direct ownership in the company (SEC Form 4)

EVP/CHIEF INV SERVICES OFFICER Chiaro James P returned 26,444 shares to the company, closing all direct ownership in the company (SEC Form 4)

EVP/CHIEF BANKING OFFICER Burke James F returned 18,819 shares to the company and covered exercise/tax liability with 3,294 shares, closing all direct ownership in the company (SEC Form 4)

EVP & CFO Bone James M Jr covered exercise/tax liability with 5,808 shares and returned 73,461 shares to the company, closing all direct ownership in the company (SEC Form 4)

PRESIDENT & CEO Champi Gerard A returned 135,271 shares to the company and covered exercise/tax liability with 11,880 shares, closing all direct ownership in the company (SEC Form 4)

SVP/EQP FINANCE SALES OFFICER Yanuzzi Donna covered exercise/tax liability with 1,575 shares and returned 11,315 shares to the company, closing all direct ownership in the company (SEC Form 4)

Director Denaples Dominick L returned 105,148 shares to the company, closing all direct ownership in the company (SEC Form 4)

SVP/HUMAN RESOURCES OFFICER Gronski Dawn D covered exercise/tax liability with 2,236 shares and returned 15,901 shares to the company, closing all direct ownership in the company (SEC Form 4)

SVP/CREDIT ADMIN OFFICER Loomis Cathy J. covered exercise/tax liability with 2,299 shares and returned 30,399 shares to the company, closing all direct ownership in the company (SEC Form 4)

EVP/CHIEF LENDING OFFICER Mahlstedt Brian C. covered exercise/tax liability with 4,435 shares and returned 65,690 shares to the company, closing all direct ownership in the company (SEC Form 4)

EVP/CHIEF CREDIT OFFICER Cunningham Aaron J covered exercise/tax liability with 3,428 shares and returned 24,153 shares to the company, closing all direct ownership in the company (SEC Form 4)

Director Melone Thomas J. was granted 2,660 shares, increasing direct ownership by 17% to 17,927 units (SEC Form 4)

Director Lambert Kathleen Mccarthy was granted 2,660 shares, increasing direct ownership by 14% to 21,087 units (SEC Form 4)

Director Eckel Keith W. was granted 2,660 shares, increasing direct ownership by 12% to 25,451 units (SEC Form 4)

Director Denaples Louis A Jr was granted 2,660 shares, increasing direct ownership by 0.80% to 333,098 units (SEC Form 4)

Director Denaples Louis A was granted 2,660 shares, increasing direct ownership by 0.12% to 2,196,600 units (SEC Form 4)

Director Denaples Joseph L was granted 2,660 shares, increasing direct ownership by 0.76% to 351,429 units (SEC Form 4)

Director Denaples Dominick L was granted 2,660 shares, increasing direct ownership by 3% to 102,709 units (SEC Form 4)

Director Conaboy William P was granted 2,660 shares, increasing direct ownership by 60% to 7,114 units (SEC Form 4)

Director Coccia Joseph A was granted 2,660 shares, increasing direct ownership by 10% to 28,159 units (SEC Form 4)

Director Bracey William G. was granted 2,660 shares, increasing direct ownership by 9% to 33,734 units (SEC Form 4)

Westington Stephanie A. covered exercise/tax liability with 938 shares, decreasing direct ownership by 4% to 25,378 units (SEC Form 4) (Amendment)

Mcguigan William covered exercise/tax liability with 688 shares, decreasing direct ownership by 7% to 9,797 units (SEC Form 4) (Amendment)

Mahlstedt Brian C. covered exercise/tax liability with 1,857 shares, decreasing direct ownership by 3% to 70,125 units (SEC Form 4) (Amendment)

Loomis Cathy J. covered exercise/tax liability with 899 shares, decreasing direct ownership by 3% to 32,406 units (SEC Form 4) (Amendment)

Kinney Lisa L covered exercise/tax liability with 929 shares, decreasing direct ownership by 5% to 16,581 units (SEC Form 4) (Amendment)

Gronski Dawn D covered exercise/tax liability with 755 shares, decreasing direct ownership by 4% to 18,103 units (SEC Form 4) (Amendment)

Gardner Mary Ann covered exercise/tax liability with 729 shares, decreasing direct ownership by 3% to 25,202 units (SEC Form 4) (Amendment)

Drust Richard D covered exercise/tax liability with 849 shares, decreasing direct ownership by 4% to 21,451 units (SEC Form 4) (Amendment)

Cunningham Aaron J covered exercise/tax liability with 1,578 shares, decreasing direct ownership by 5% to 27,581 units (SEC Form 4) (Amendment)

Cummings Mary Griffin covered exercise/tax liability with 1,626 shares, decreasing direct ownership by 3% to 49,298 units (SEC Form 4) (Amendment)

Champi Gerard A covered exercise/tax liability with 4,695 shares, decreasing direct ownership by 3% to 147,151 units (SEC Form 4) (Amendment)

Burke James F covered exercise/tax liability with 959 shares, decreasing direct ownership by 4% to 22,059 units (SEC Form 4) (Amendment)

Drust Richard D covered exercise/tax liability with 821 shares, decreasing direct ownership by 4% to 21,479 units (SEC Form 4)

Cunningham Aaron J covered exercise/tax liability with 1,526 shares, decreasing direct ownership by 5% to 27,633 units (SEC Form 4)

Westington Stephanie A. covered exercise/tax liability with 907 shares, decreasing direct ownership by 3% to 25,409 units (SEC Form 4)

Mcguigan William covered exercise/tax liability with 666 shares, decreasing direct ownership by 6% to 9,819 units (SEC Form 4)

Mahlstedt Brian C. covered exercise/tax liability with 1,796 shares, decreasing direct ownership by 2% to 70,186 units (SEC Form 4)

Loomis Cathy J. covered exercise/tax liability with 869 shares, decreasing direct ownership by 3% to 32,436 units (SEC Form 4)

Kinney Lisa L covered exercise/tax liability with 899 shares, decreasing direct ownership by 5% to 16,611 units (SEC Form 4)

Gronski Dawn D covered exercise/tax liability with 730 shares, decreasing direct ownership by 4% to 18,128 units (SEC Form 4)

Gardner Mary Ann covered exercise/tax liability with 706 shares, decreasing direct ownership by 3% to 25,225 units (SEC Form 4)

Cummings Mary Griffin covered exercise/tax liability with 1,573 shares, decreasing direct ownership by 3% to 49,351 units (SEC Form 4)

Champi Gerard A covered exercise/tax liability with 4,539 shares, decreasing direct ownership by 3% to 147,307 units (SEC Form 4)

Burke James F covered exercise/tax liability with 927 shares, decreasing direct ownership by 4% to 22,091 units (SEC Form 4)

Cunningham Aaron J was granted 7,350 shares, increasing direct ownership by 34% to 29,159 units (SEC Form 4)