Delhi Bank Corp. announces New market maker

FOR IMMEDIATE RELEASE DELHI BANK CORP. ANNOUNCES NEW MARKET MAKER Delhi, New York -- July 22, 2005. Delhi Bank Corp. (Pink Sheets: DWNX) today announced that Howe Barnes Investments, Inc. has agreed to act as a market maker for shares of Delhi Bank Corp.'s common stock, $5.00 par value. Howe Barnes Investments, Inc. currently acts as a market maker for more than 250 banks and thrifts throughout the country, including over 100 non-SEC reporting companies. Delhi Bank Corp. is a New York chartered bank holding company headquartered in Delhi, New York. As of March 31, 2005, Delhi Bank Corp. had assets of $153.8 million and stockholders' equity of $14.4 million. CONTACT: Delhi Bank Corp. Robert W. Armstrong, President and Chief Executive Officer (607) 746-0730