First State Bank

the mission of first state bank, athens, texas is to build mutually beneficial customer relationships by being the bank and employer of choice in the communities we serve. we have worked toward that goal since 1935 when first chartered as farmers and merchants state bank. our philosophy has been to provide exceptional customer service, to know our customers personally and treat them that way, and to provide career opportunities for our employees. from humble beginnings 75 years ago and through the help of many loyal customers and employees, fsb has grown to five locations and over $300 million in assets. fsb is an innovator in new bank technology in our region, and we are proud of the opportunities this affords our customers and employees. through leading edge technology, customers have virtually unlimited access to account information and receive expanded services. we are proud of these achievements, yet we have maintained the "hometown" community bank culture our customers have come to expect; namely personal attention to their financial needs.