Citizens National Bank will host a series of free seminars featuring Robert J. Morgan, Senior Consultant with Austin Associates, LLC. Local business owners are invited to hear Mr. Morgan present his economic forecast for 2012.

Prior to joining the Austin Associates, Morgan served as a senior vice president and chief economist with a multi-billion dollar regional bank. He directs his firm's Financial Management Division and works with clients on all aspects of asset/liability and interest rate risk management, investment portfolio management and other aspects of bank financial performance.

Morgan will be speaking Tuesday, Sept. 27, at Country Inn and Suites, 903 Interstate Dr., Findlay; and Wednesday, Sept. 28, at Willow Bend Country Club, 579 Hospital Dr., Van Wert. Each presentation begins at 11:30 a.m. with lunch provided. RSVP's are required.

For more information, visit www.cnbohio.com/economicforecast.asp.