Market Overview

Evans Bancorp, Inc. Announces Semi-Annual Dividend


Evans Bancorp, Inc. (the "Company" or "Evans") (NYSE:EVBN), a
community financial services company serving Western New York since
1920, announced today that its Board of Directors declared a cash
dividend of $0.46 per share on its outstanding common stock. The
dividend is payable on October 4, 2018 to shareholders of record as of
September 12, 2018. The Company has approximately 4.8 million shares

About Evans Bancorp, Inc.
Evans Bancorp, Inc. is a financial
holding company and the parent company of Evans Bank, N.A., a commercial
bank with $1.3 billion in assets and $1.2 billion in deposits at June
30, 2018. Evans is a full-service community bank, with 14 financial
centers providing comprehensive financial services to consumer, business
and municipal customers throughout Western New York. Evans Bancorp's
wholly owned insurance subsidiary, The Evans Agency, LLC, provides life
insurance, employee benefits, and property and casualty insurance
through nine insurance offices in the Western New York region. Evans
Investment Services provides non-deposit investment products, such as
annuities and mutual funds.

Evans Bancorp, Inc. and Evans Bank routinely post news and other
important information on their websites, at

Safe Harbor Statement
This news release contains
forward-looking statements within the meaning of the Private Securities
Litigation Reform Act of 1995. Such forward-looking statements include,
but are not limited to, statements concerning future business, revenue
and earnings. These statements are not historical facts or guarantees of
future performance, events or results. There are risks, uncertainties
and other factors that could cause the actual results of Evans Bancorp
to differ materially from the results expressed or implied by such
statements. Factors that may cause actual results to differ materially
from those contemplated by such forward-looking statements include
competitive pressures among financial services companies, interest rate
trends, general economic conditions, changes in legislation or
regulatory requirements, effectiveness at achieving stated goals and
strategies, and difficulties in achieving operating efficiencies. These
risks and uncertainties are more fully described in Evans Bancorp's
Annual and Quarterly Reports filed with the Securities and Exchange
Commission. Forward-looking statements speak only as of the date they
are made. Evans Bancorp undertakes no obligation to publicly update or
revise forward-looking information, whether as a result of new, updated
information, future events or otherwise.

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