March 25, 2009
Securities and Exchange Commission
100 F Street, NE
Ladies and Gentlemen:
Croghan Bancshares, Inc.
, an Ohio
corporation (Croghan), is today filing with the
Securities and Exchange Commission (the SEC) the Annual Report on Form 10-K of Croghan for the
fiscal year ended December 31, 2008 (Croghans 2008 Form 10-K)
Pursuant to the instructions relating to the Exhibits in Item 601(b)(4)(iii) of Regulation
S-K, Croghan hereby agrees to furnish to the SEC, upon request, copies of instruments and
agreements defining the rights of holders of long-term debt and of the long-term debt of its
consolidated subsidiary, which are not being filed as exhibits to Croghans 2008 Form 10-K.
None of such long-term debt exceeds 10% of the total assets of Croghan and its subsidiaries on a