SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 11-K
[X] Annual report pursuant to Section 15(d) of the
Securities Exchange Act of 1934
For the fiscal year ended December 31, 2001
OR
[ ] Transition report pursuant to Section 15 (d) of the
Securities And Exchange Act of 1934
For the transition period from __________ to
Commission file number ________
A. Full title of the plan and the address of the plan, if
different from that of the issuer named below:
The Delaware County Bank & Trust Company Employee 401(k) Retirement Plan
110 Riverbend Avenue
Lewis Center, Ohio 43035
B. Name of issuer of the securities held pursuant to the plan
and the address of its principal executive office:
DCB Financial Corp.
110 Riverbend Avenue
Lewis Center, Ohio 43035
Financial Statements and Exhibits
The following financial statements and exhibits are filed as part of this annual
report:
EXHIBIT NUMBER DESCRIPTION
-------------- -----------
Exhibit 23 Consent of Crowe, Chizek and Company LLP
Exhibit 99 Financial Statements and Supplemental Schedules
for The Delaware County Bank & Trust Company
Employee 401(k) Retirement Plan for the years
ended December 31, 2001 and 2000
SIGNATURES
The Plan. Pursuant to the requirements of the Securities Exchange Act of 1934,
The Delaware County Bank & Trust Company, trustee and administrator of the plan,
has duly caused this annual report to be signed on its behalf by the undersigned
hereunto duly authorized.
The Delaware County Bank & Trust Company
Employee 401(k) Retirement Plan
Date: June 27, 2002 The Delaware County Bank & Trust Company
By: /s/ Larry D. Coburn
-------------------------------
Larry D. Coburn
President and Chief Executive Officer
EXHIBIT INDEX
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Exhibit 23 Consent of Crowe, Chizek and Company LLP
Exhibit 99 Financial Statements and Supplemental Schedules
for The Delaware County Bank & Trust Company
Employee 401(k) Retirement Plan for the years
ended December 31, 2001 and 2000