Heritage Community Bank

Lincoln County Bancorp, headquartered in Troy, Mo., is a bank holding company that operates Peoples Bank of Altenburg, Bank of Louisiana, Exchange Bank of Missouri, Exchange Bank of Northeast Missouri and Peoples Bank & Trust. Through its institutions, the organization offers checking, savings and money market accounts, certificates of deposit, overdraft protection and debit cards. Lincoln County Bancorp s banks feature home equity, personal, construction, commercial, automotive and education loans, as well as lines of credit. The organization also takes part in identity theft prevention initiatives. Its online modules enable customers to access accounts, pay bills and transfer funds. Lincoln County Bancorp s banks are members of the Federal Deposit Insurance Corporation.

First State Bank of St. Charles is an independent, locally owned community bank serving St. Charles County, Mo. The bank operates two branch locations in St. Charles, Mo., as well as branches in O Fallon and Lake Saint Charles, Mo. The bank offers a variety of personal and business banking solutions, such as checking and savings accounts, money market accounts, certificates of deposit and online banking, as well as lending services, including home mortgages and consumer loans. It also offers investment services through Invest Financial Corporation, such as retirement planning, annuities, mutual funds, stocks, estate planning, college funding and life insurance.