It is the specific goal of First Bank to offer the services that customers and clients expect from larger financial services firms in a community bank environment.

The First Bank & Trust Company is a diversified financial services firm with 18 office locations in Lebanon, Abingdon, Bristol, Staunton, Harrisonburg, Christiansburg, Wise, Norton, Verona, Wytheville, Lynchburg, Richmond, Johnson City, Kingsport and Gray. The Company is in its twenty-sixth year of operations and can best be categorized as a growth company.

The Bank has carved out a regional market niche by catering to small businesses and consumers who wish to take advantage of a local bank that offers all of the services that are expected from a larger organization. Since its inception, the company has a long and proud history of offering free checking to its customers.

Caring for our customers' most basic financial needs serves as a daily reminder that we are privileged to have our customers' trust and that we must always put the needs of our customers first. It is the specific goal of the Company to offer the services that customers and clients expect from larger financial services firms in a community bank environment. That philosophy is embodied in the corporate theme
"Hometown Banking At Its Best."
To ensure that the company can meet this objective First Bank has partnered with outstanding providers to offer the following services in addition to traditional bank services. As a Member of the Federal Home Loan Bank of Atlanta, First Bank provides access to national funding sources.

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