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BANKING: 11 Convenient Locations; Local Loan Decisions; Totally Free Checking; Kids Club; Award Winning Community Involvement; Locally Owned & Operated Since 1928; Live Telephone Reception; Flexible Loan Underwriting; Local Commercial Lending; Free Bill Pay with Selected Accounts; Longer Business Days; Passbook Savings; Reasonable Fees; Free Internet Banking; MORTGAGES: Fixed & Adjustable Rates Available; Construction Loans; Residential & Commercial Properties; Home Equity Loans; Lines of Credit; Flexible Underwriting with Local Decisions;. Banking,Loans,Mortgages,Financial Investments. Home Financing a Specialty Since 1928.