Citizens Banking Corporation to Report 2004 Second Quarter Earnings and Host Analyst Conference Call.

FLINT, Mich. -- Citizens Banking Corporation (Nasdaq:CBCF) will release its second quarter 2004 earnings results on Thursday, July 15, 2004. The release will be available on the Internet at www.citizensonline.com within the "Press Release" section of the "Investor Relations" area of Citizens' web site.

William R. Hartman, chairman, president and CEO, Charles D. Christy, CFO, John D. Schwab, chief credit officer, Martin E. Grunst, treasurer and Daniel E. Bekemeier, chief accounting officer will review the quarter's results in a conference call for investors and analysts beginning at 10:00am EST on Friday, July 16, 2004.

A live audio web cast is available at http://viavid.net/dce.aspx?sid=00001CA3

To participate in the conference call, please call the number below approximately 10 minutes prior to the scheduled conference time: US/Canada Dial-In Number: [phone] International Dial-In Number: [phone] Conference ID # 8318484 Conference Name: "Citizens Banking Corporation 2nd Quarter Earnings" R.S.V.P. is not required.

A playback of the conference call will be available after 2:00pm EST through July 23, 2004, by dialing US/Canada Dial-In Number: [phone] or International Dial-In Number: [phone] conference ID: 8318484. Also, the call can be accessed via Citizens' web site, through the Investor Relations section at www.citizensonline.com.

Corporate Profile

Citizens Banking Corporation is a diversified financial services company providing a full range of commercial, consumer, mortgage banking, trust and financial planning services to a broad client base. Citizens operates 179 branch, private banking, and financial center locations throughout Michigan, Wisconsin, Iowa, and in suburban Chicago, Illinois.

Visit our Web site at http://www.citizensonline.com