Welcome to First State Bank
A Community Bank - Banking Community People.
We invite you to explore the features and many services of First State Bank.
FIRST STATE BANK is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through June 30, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is an addition to and separate from the coverage available under the FDIC's general deposit insurance rules.
The standard insurance amount of $250,000 per depositor is in effect through December 31,2013. On January 1,2014, the standard insurance amount will return to $100,000 per depositor for all account categories except IRAs and other certain retirement accounts, which will remain at $250,000 per depositor.
Profile
With branch offices in Wrens and Louisville, Georgia, First State Bank has been serving
the citizens of Jefferson County and surrounding areas since 1964.
A branch office was opened in 2002 in Americus, Georgia to meet the banking need of
citizens in Sumter County and surrounding areas.
In addition to meeting the financial needs of the community, First State Bank takes an
active role in supporting and participating in local community events.
First State Bank takes pride in "Bending Over Backwards" for its customers, "Every Transaction, Every Time."
Privacy
Your Privacy is Important to Us
NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
This is our privacy notice to our customers. When we use the words "you" and "your" we mean the following type of customers:
We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information.
We first define some terms.
THE INFORMATION THAT WE COLLECT
We collect nonpublic personal information about you from the following sources:
We do not disclose any nonpublic personal information about you to anyone, except as authorized by law.
THE CONFIDENTIALITY, SECURITY AND INTERGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to gurard your nonpublic personal information.
NONPUBLIC PERSONAL INFORMATION
Since we value our customer relationship with you, we will not disclose your nonpublic personal information to nonaffiliated third parties, except as permitted by law.
NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS
We do not disclose nonpublic personal information about former customers. |
Customer Notices
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POLICY REGARDING EXCESSIVE OR LUXURY EXPENDITURES
This policy fulfills the requirements under the American Recovery and Reinvestment Act of 2009 (ARRA) enacted February 17, 2009. ARRA requires each recipient of funds under the Capital Purchase Program (CPP) of the Troubled Assets Relief Program (TARP) to have in place a company-wide policy regarding excessive or luxury expenditures, as identified by the Secretary of the Department of the U.S. Treasury.
CSRA Bank Corp. and its wholly-owned subsidiary, First State Bank (hereinafter collectively known as the “Company”), prohibit excessive or luxury expenditures for entertainment and events, office or facility renovations, aviation or other transportation services or other activities or events that are not reasonable expenditures for conferences, staff development, reasonable performance incentives or other similar measure conducted in the normal course of business operations.
Renovations:
Renovations of facilities and office spaces should be relative to current business plans and needs. An exception to this will be allowed if management must deal with an emergency situation, such as an act of nature, and the expenditure is necessary to make the facility operational for customer use.
At no time should renovations be done that would have the appearance of being extraordinary or excessive from a shareholder perspective.
Entertainment:
Entertainment is defined as an activity for which an officer or employee would use Company funds for business development purposes relating to current customers or prospective customers or to further enhance the Company’s marketing efforts. Excessive entertainment or an excessive event is defined as any single occurrence or event where the activity is not designed to enhance the marketing efforts of the Company or support business development efforts of the Company.
Our expectation is that all such expenses paid for by the Company would be for company purposes, and used to generate business for the Company.
Conferences:
We encourage our staff to attend conferences that are appropriate educational opportunities. These conferences should be related to the financial services industry and have a direct correlation to their job. At times it may be appropriate that a spouse would travel to these conferences with Company attendees. Typically these conferences are sponsored by vendors, banking associations, or other industry-related entities.
This policy would exclude reward conferences if the purpose is meant to be a reward, or would have no value of education to the employee or executive.
Holiday Parties:
We feel that holiday parties are part of an employee appreciation process. Holiday parties should be local in geographic nature, and should not cost the Company more than an average day’s payroll per employee, on average.
Board retreats should only be used for educational purposes, and should be considered and looked at in the same view and with discretion as all other expenses. Board education is a vital part of maintaining and keeping a dynamic director base, and this policy should not limit a retreat that is focused on strategic planning or education.
Events and parties focused on customers for the purpose of attracting or retaining their business would not fall under this policy.
Aviation Services:
Transportation for Company staff to conferences, for business development purposes and merger and acquisition research should be conducted in the most cost-appropriate way for the Company. Modes of transportation to be used for the analysis, for example, may consist of vehicle, commercial air service and private air service. A determination of the appropriateness of transportation will factor in cost, efficiency and timeliness of travel. Excessive aviation or other transportation services expenditures are prohibited. |
Locations
- Main Office
- Louisville
- Americus
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Main Office Wrens
300 Broad Street Wrens, GA 30833
(706) 547-6502 |
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Our convenient banking hours at the Main office are:
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Louisville Office
900 Peachtree Street
(478) 625-8444 |
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Our convenient banking hours at the Louisville office are:
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Americus Division
800 East Lamar Street (229) 924-3200
Tele-Bank: (866) 372-2488 |
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Our convenient banking hours at the Americus office are:
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Contact Us
Telephone: (706) 547-6502
Telebank (Customer Service): 706-547-BANK(2265)
Postal Address: P. O. Box 555, Wrens GA 30833
Physical Location: 300 Broad Street, Wrens GA 30833
Electronic Mail: fsb@firstate.net
This E-mail is not a secure link and it is intended for general information only.
Emails should not include personal, non-public information, such as account
numbers, pin numbers, or other sensitive information. Please call or write
First State Bank with any questions you may have.



