Southern Heritage Bank is a division of
FIRST CITIZENS NATIONAL BANK
We want to be the people you come to for help with the biggest financial decisions of your life. Since 1925, our investment and trust department’s mission has been to understand each customer’s specific financial goals. Our local presence has helped us develop an appreciation of our neighbors’ needs. You can count on the First Citizens National Bank investment and trust department’s expert guidance — and unbelievably good advice — to help you with all of your estate planning and investment needs.
Create this trust to spell out your wishes during your lifetime
Created by the terms outlined in a person’s will
A trust established for charitable purposes
Provides support for a disabled person
You’re a person here, not a number. The people here know who you are when you walk in the door and treat you like family.
– First Citizens National Bank customer
For over 125 years at First Citizens National Bank, we've tackled recessions, cleared hurdles and created solutions; but no matter the decade, we have always desired to be the best community bank we can be. We are simply passionate about giving our customers an experience that is unbelievably good.