The PNC Financial Services Group

South Banking Company is a holding company of several financial institutions, including Alma Exchange Bank & Trust, Citizens State Bank, Peoples State Bank & Trust and Pineland State Bank. The company s holdings are financial institutions that provide personal and business banking products and services. The banks personal banking products include free and interest-bearing checking accounts, savings accounts, certificates of deposit, individual retirement accounts, automobile loans, personal loans, home improvement loans, mortgages and real estate loans. The companies commercial banking products include commercial loans, Small Business Association loans and checking accounts. In addition, the companies provide alternative investment products, including annuities, mutual funds and stocks, as well as safe deposit boxes, direct deposit, night depository, banking by mail, money orders, travelers checks, savings bonds, wire transfers and overdraft protection. South Banking Company is headquartered in Alma, Ga.