Citizens Bank

On August 13, 1979, Dale Hollow Savings & Loan was opened on West Main Street in Livingston with three employees. Later Dale Hollow Savings & Loan took on the new name of American Savings Bank, commonly referred to as ASB. In 1990, growth brought expansion to the bank building, doubling the size. That facility is the same building in which we still operate at 808 West Main Street in Livingston. American Savings Bank converted from a savings and loan to a state chartered bank in June, 1994. Real estate was purchased in Cookeville for planning of future branching in September, 2001. With the plans in place for branching out into the larger marketplace, American Savings Bank became American Bank & Trust of the Cumberlands in February, 2002. Our expansion to Cookeville came about with the opening of the 10th Street office in December, 2005. One month later, the building program began for the development of the Neal Street office in Cookeville. The Jefferson Street office opened in May, 2007 and the new Neal Street office opened in July, 2007. American Bank & Trust of the Cumberlands now operates three branch locations with a staff of 32 full-time employees and 4 part-time employees, including loan officers with a combined total of 145 years experience meeting the financial needs of citizens in the Upper Cumberland area. American Bank & Trust of the Cumberlands is a full-service community bank, and we appreciate every opportunity we are given to bring Home the highest possible service to our customers.