SBW Bancshares, Inc

First National Bank of Waterloo is a full-service community bank that serves the residents of Monroe County in southern Illinois. Located in Waterloo, it is a part of the St. Louis metropolitan area, and its market area includes various cities, such as Columbia, Renault, Fults and Hecker, Ill. It offers a full range of financial products and services via its banking centers and the Internet. Its services range from personal and business checking, savings and money market accounts to loans and online banking and cash management. It is a locally owned bank and provides financial support for the community's progress, building one-on-one relationships with its customers and committing time and leadership to local civic and charitable organizations. First National Bank of Waterloo was founded in 1912.

Citizens Community Bank offers various financial products to individuals and businesses. The bank offers a variety of products, such as checking and money market accounts, passbook savings, certificates of deposit, Christmas club account, debit and ATM cards and special accounts for students and senior citizens. It also offers Internet banking services that include bill payment, checking of account balances, transfer of funds and loan payments. The bank s Web site provides information on product features, interest rates and service charges. Citizens Community Bank has branches located in Mascoutah, Freeburg and New Athens, Ill.