Locations & Hours | Banking Services | Privacy Policy

• Core Banking Services
  Savings, checking, certificates of deposit, individual retirement accounts, and safe deposit boxes.
  
• Extensive Loan Department
  Residential mortgage, home equity, construction, auto, personal, commercial, and agricultural loans.  Bank credit cards also issued.
  
• 24-Hour Telephone Banking Convenience with a touch-tone phone.
  

We are committed to maintaining a competitive array of services and will add to or change our financial products and service delivery to keep pace with customer needs, economic conditions, technology and competition.

Deposit Services Enhancement

• Automatic teller machine cards
• SHAZAMCheck cards (debit cards)
• Direct deposit of payroll, social security benefits, etc.
• Preauthorized withdrawals and automatic utility payments.
• Process direct deposit of company payroll.

Loan Services Enhancements

• Fixed or variable rate options 
• Secondary market financing available
• Various repayment options such as bi-weekly or semi-annual
• Automatic loan payment options
• First Time Home Buyers Program and more!

*We want to find a way to help our customers.

Our number-one job is to help people manage their money matters successfully.

*We are financially strong and trustworthy.

This message is so basic that it is easy to overlook.  We value the trust and confidence people place with us and will be glad to share facts about our financial soundness.  Of course, we are FDIC member.

*We are large and professional enough to deliver a broad range of top-quality financial services in a competitive manner.

We want to be our customers' primary financial institution or, preferably, their only financial institution.  To attract and keep customers, we must continually evaluate the demand for and usefulness of new products and insure that we offer what our customers need.  We can and will compete.  We want to provide as many different services to each customer as possible. 

*We are small enough to be friendly and give personalized service.

We deal with people as individuals, not as accounts.  We know their needs, and we care about them as neighbors, relatives and friends.

*We make prompt, flexible, LOCAL decisions.

We do not follow rules blindly in deciding who and what receive the bank's assistance.  We understand our communities thoroughly and we can evaluate people and proposals wisely, based on this knowledge.  We make our banking decisions locally and are not required to clear matters with centralized management hundreds of miles away.