EXHIBIT 99
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For Immediate Release


                          COMMUNITY FINANCIAL CORP.
                        ANNOUNCES APPROVAL OF MERGER


              Olney, Illinois, December 20, 2001 - Community Financial Corp.
(NASDAQ:CFIC) announced today that its shareholders approved the merger of
Community Financial Corp. with and into a subsidiary of First Financial
Corporation, Terre Haute, Indiana. Under the terms of the merger agreement,
shareholders of Community Financial Corp. will receive a minimum purchase
price of $15.14 in cash for each share of common stock. However, if a
formula value per share of common stock is less than this amount, as of five
business days before the anticipated closing date of the merger, First
Financial Corporation reserves the right to terminate the merger agreement.
Completion of the merger is subject to various conditions, including the
satisfaction of certain conditions with respect to the regulatory approvals
for the merger. The merger is currently expected to be completed at the end
of January.