EX-99.3
3
exh993jan8k08.txt
CHARIRMAN'S LETTER TO SHAREHOLDERS



EXHIBIT 99.3


                                                     January 28, 2007





Dear Shareholder,

     Enclosed  please find your  dividend  approved by the Board of Directors at
their  meeting  January  8th,  2007.  The dividend is payable at $0.26 per share
which  equates to $1.04 per annum.  Based on the  current  trading  price,  this
represents a return greater than 5%.

     Also enclosed is a notice of termination of the dividend  reinvestment plan
effective  immediately after the re-investment of this dividend.  The continuous
decline in participation  was a significant  factor in this decision as was more
active trading of Tri City shares. Most important however, was the fact that Tri
City Bankshares  Corporation has more than sufficient capital to expand and grow
your corporation in the foreseeable future.

     The  Directors  and  Management  are proud to report that your  Corporation
posted record  profits in 2007. We look forward to presenting  shareholders  all
the detail of our 2007  performance  in the Annual Report prior to the June 2008
annual meeting.


With best regards,
TRI CITY BANKSHARES CORPORATION

/S/Henry Karbiner
Henry Karbiner
Chairman of the Board




The following information was filed by Tri City Bankshares Corp (TRCY) on Monday, January 28, 2008 as an 8K 2.02 statement, which is an earnings press release pertaining to results of operations and financial condition. It may be helpful to assess the quality of management by comparing the information in the press release to the information in the accompanying 10-K Annual Report statement of earnings and operation as management may choose to highlight particular information in the press release.

View differences made from one year to another to evaluate Tri City Bankshares Corp's financial trajectory

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