Southern Heritage Bank

Founded in 1902, Cross Keys Bank provides a range of personal and commercial banking services. It offers savings, business checking and individual retirement accounts, as well as certificates of deposit. Security First Bank provides Internet and phone banking, check imaging, insurance, overdraft protection and direct deposit services. It additionally offers debit and credit cards, ATMs and traveler s checks. The bank provides commercial real estate, auto, home, personal and home improvement loans. Its online services include personal e-mail accounts, account statements, and online payments and transfers. Cross Keys Bank additionally provides money orders and gift checks, as well as notary and check printing services. It is headquartered in St. Joseph, La.

Caldwell Bank & Trust Company offers online financial calculators. It provides ATM, debit and credit cards. Caldwell Bank & Trust Company offers savings and checking accounts. The company also provides Internet banking services with an online bill payment option. Caldwell Bank & Trust Company offers home equity and improvement, personal, auto, business, mortgage, and recreation and vacation loans. It also provides individual retirement accounts and certificates of deposit. In addition, the company offers safe-deposit boxes and traveler s checks. Caldwell Bank & Trust Company provides 24-hour banking services. It is a member of the Federal Deposit Insurance Corporation.

Concordia Bank & Trust was founded as the Bank of Vidalia in 1903. It has grown from a bank with $25,000 in assets in 1903 to an institution with more than $340 million in assets in 2000. The bank offers personal banking options that include multiple checking accounts, including regular and interest-bearing checking accounts; various savings accounts; certificates of deposit; and tradition, ROTH fixed-rate and ROTH variable-rate individual retirement accounts. Concordia Bank & Trust also has a variety of loan options. The bank also has commercial banking options that include several checking, investment, lending and special products and services, such as online and telephone banking. Concordia Bank & Trust is a member of the FDIC and is based in Vidalia, La.