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Southern Heritage Bank is a division of
FIRST CITIZENS NATIONAL BANK

Lending

Businesses need capital to survive and be successful. Our business customers are friends and neighbors — and our lending products are designed to set you and your business up for success.

Term Loans

Term loans

Fixed-term loans for a variety of business purposes

Business Lines of Credit

Business Lines of Credit

Access to cash whenever you need it

Small Business Loans

Small Business Loans

An excellent way to grow your business