Exhibit 99
                         FOR IMMEDIATE RELEASE


FOR  ADDITIONAL INFORMATION CONTACT:

J. Michael Straka
President and Chief Executive Officer
Central Illinois Bancorp, Inc.
(217) 355-0900

Russell S. Jones
President and Chief Executive Officer
First Ozaukee Capital Corp.
(414) 377-0750

    CENTRAL ILLINOIS BANCORP, INC. AND FIRST OZAUKEE CAPITAL CORP.
                       ANNOUNCE MERGER AGREEMENT

          Sidney, Illinois and Cedarburg, Wisconsin (April 25, 1997) -
Central Illinois Bancorp, Inc., Sidney, Illinois and First Ozaukee
Capital Corp., Cedarburg, Wisconsin, announced today that they had
executed a definitive merger agreement under which Central Illinois
Bancorp, Inc. would acquire First Ozaukee Capital Corp. in a transaction
valued at approximately $9.6 million.

          First Ozaukee shareholders will receive $15.10 in cash, subject
to upward or downward adjustment under certain conditions, for each share
of First Ozaukee common stock, they said.

          The merger is subject to approval of the shareholders of First
Ozaukee Capital Corp., regulatory approval and various other conditions.

          Central Illinois Bancorp, Inc. is the bank holding company for
Central Illinois Bank, Champaign, Illinois, Central Illinois Bank, MC,
Normal, Illinois and CIB Bank, Hillside, Illinois.  At March 31, 1997,
Central Illinois Bancorp, Inc. had total assets of $607 million.  First
Ozaukee Capital Corp. is the bank holding company for First Ozaukee
Savings Bank, Cedarburg, Wisconsin.  At March 31, 1997, First Ozaukee
Capital Corp. had total assets of $35 million.

          The merger is expected to be completed in the fourth quarter of
1997.