|First Southern Bank, being an entity comprised of the Board of
Directors, the Officers, the Employees and its Customers has long since had a philosophy
of stability. First Southern Bank has been in the community since 1960 providing sound financial
services to the surrounding area for 45 years. The main services of the
institution are insured deposit products, including certificates of deposits, savings
accounts and various checking accounts for both consumer and commercial entities. Diverse
types of loans are offered to homeowners, consumers and businesses. The major goals of the
institution are to maintain our personal and friendly atmosphere, to continue with sound
and stable practices, to continue offering services which will meet the needs of our
surrounding communities, to remain in compliance with all laws and regulations, to advance
as the financial institution in the community and consequently maintain capital
requirements and provide our stockholders a good return on their investment.
Southern Bank has resources to maintain security and permit growth. The
Institution presently has three offices in Columbia and we also have offices in Petal, Picayune and Richton to help us serve our customers better. The main
office is located on Highway 98 in Columbia.
The Board of Directors is diverse in its composition which allows expertise
for various business, professional and technical areas. This aspect greatly enhances the
decision process and ultimately the soundness of the Institution due to the wide range of
knowledge and experience represented by this group. The officers of the institution
collectively possess years of experience and various educational degrees in financial and
technical fields. The remaining staff is unusually stable and well trained through
experience and/or through formal education. The stability in the work force is due partly
to the fact that management and the Board of Directors understand the value of good
employees and try to compensate the employees adequately. Management also realizes that a
good environment is an important asset when dealing with employees as well as customers.
The Institution offers financial assistance to employees who desire to expand or continue
The customer base is one that is wide in all aspects. The Institution can
boast of a wide range of customers of all ages, geographic location and economic status
due in part to the wide range of services offered by the Institution. The staff prides
itself in being the friendliest and most personable institution in the area.
We would be proud and honored to count you among our customers.