HopFed Bancorp, Inc. Subsidiary Heritage Bank To Acquire Tennessee-based Sumner Bank & Trust

HOPKINSVILLE, Ky., Feb. 12, 2013

In making today's announcement, John E. Peck, President and Chief Executive Officer of HopFed and Heritage stated, "We are excited about the opportunity to partner with Sumner. This partnership is an important addition for our company as it provides us entry into the attractive communities of Sumner, Wilson and Williamson counties in middle Tennessee and Madison County in west Tennessee. We look forward to our partnership with Sumner and its management team as we participate in the growth opportunities that these wonderful communities provide."

Mike Cook, President and Chief Executive Officer of Sumner, stated, "The opportunity to partner with a strong publically traded community bank will enhance our relationship opportunities and allow us to continue to provide the highest quality of service to our communities. By partnering with Heritage, we can enjoy the benefits provided by a larger institution while keeping the community bank focus that we enjoy today."

Sumner Bank & Trust, a state chartered bank that opened in 2005, has full service banking centers in Gallatin (2) and Hendersonville, Tennessee, and loan production offices in Franklin, Lebanon, and Jackson, Tennessee. At December 31, 2012, Sumner had total assets of $184.0 million, total deposits of $157.6 million and $121.6 million in loans outstanding. More information about Sumner may be found on its website www.sumnerbankandtrust.com.

HopFed Bancorp, Inc. is the holding company for Heritage Bank headquartered in Hopkinsville, Kentucky. At December 31, 2012, HopFed reported consolidated assets of $967.7 million, total deposits of $759.9 million and $525.0 million in loans outstanding. Heritage has 18 offices in western Kentucky and middle Tennessee in addition to its subsidiary, Fall & Fall Insurance of Fulton, Kentucky. Heritage's operations include Heritage Solutions of Murray, Kentucky, Hopkinsville, Kentucky, Kingston Springs, Tennessee and Pleasant View, Tennessee, which offers a broad line of financial services. Heritage Mortgage Services of Clarksville, Tennessee, offers long term fixed rate 1-4 family mortgage loans in all communities in the Company's general market area.  Heritage offers a broad line of banking and financial products and services with the personalized focus of a community banking organization.  More information about HopFed and Heritage may be found on their website www.bankwithheritage.com.

Raymond James acted as financial advisor and Jones Walker acted as legal counsel to HopFed Bancorp, Inc.  Houlihan Lokey acted as financial advisor and Butler, Snow, O'Mara, Stevens & Cannada, PLLC acted as legal counsel for Sumner Bank and Trust.

This release contains "forward-looking statements" as defined in the Private Securities Litigation Reform Act of 1995. In general, forward-looking statements usually use words such as "may," "believe," "expect," "anticipate," "intend, "will," "should," "plan," "estimate," "predict," "continue" and "potential" or the negative of these terms or other comparable terminology.  Forward-looking statements represent management's beliefs, based upon information available at the time the statements are made, with regard to the matters addressed; they are not guarantees of future performance.