Financial Services:

Checking Accounts

Savings Accounts

Certificates of Deposit (CDs)

Individual Retirement Accounts (IRA)

Loans

Real Estate

Business

Personal

Mini Application

Debit/Check Cards

Check Printing

Other Services

Fee Schedule

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record all information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Real Estate Loans

Four of our officers (Dale Linhart, Bob Thomas, Dan Wilcox, and Chuck Shonkwiler) accept requests for real estate loans for various purposes.

We will lend for the following purposes:

Unimproved Building Sites – for future single family homes, 1 - 4 multiple family units, commercial sites, and subdivisions. Spec homes or land speculation may be restricted from time to time depending on market conditions.

Construction Loans – for single family, multiple family or commercial purposes tailored to fit your needs. We will work closely with your architect and contractor.

Permanent Financing – long-term real estate loans are offered either through loans held in our portfolio or for the secondary market. Choices include fixed or adjustable rate mortgages, no cost rate locks or rate protection, zero points (including origination fees) or rate buy-downs, conventional, conforming, non-conforming, VA, FHA, single family, second homes, and 1 - 4 family units and relocation purchases all with a variety of maturities.

Home Equity Credit Line – the equity in your home can be a valuable resource when you need to borrow for things like home improvements, college expenses, vacations, or even bill consolidation. The interest may be deductible (consult your tax advisor about your specific situation) on this revolving line of credit. Some restrictions apply. Please E-mail us for details or pick-up a brochure at one of our branch locations for further information.

Commercial Buildings – are carried as bank held portfolio loans with adjustable rates and up to twenty-year maturities. Rate caps are available.