Personal Loans

We strive to meet the needs of our customers in a polite, efficient, confidential, and friendly manner. Whether it's a car loan, vacation cash, medical needs, home improvements, or whatever your request might be, we have dedicated professionals ready to meet with you to discuss your options. Since we are a locally owned and controlled community bank, we are able to give you the quick answer you deserve!

Auto, Boat, and ATV

Finance your next vehicle purchase and experience what a difference it makes to work with local lenders.

CD Secured

Leverage your investments against your loan using your loan proceeds for any purpose. Your investments will continue to earn interest while your projects are funded by your CD secured loan.


If you’re considering ways to finance the construction of your home, speak to one of our lenders about a construction loan.

Residential Lot and Land

We will help you finance the purchase of land for a variety of purposes. Our lenders will help your dreams for a new home or new farm land become a reality.


We offer Adjustable Rate Mortgages for the purchase or refinance of a primary residence, second home, or investment property. There is no better time than today to get the process started! Please contact us and allow our team to guide you through the products, services, and advantages of home ownership, refinancing your current mortgage to lower your monthly payment, using the equity you currently have in your home to update or remodel, payoff high interest rate credit cards, or simply take the vacation you have always dreamed of!

Business/Commercial Loans

We are committed to seeing our community grow and prosper. We appreciate any opportunity to fund construction projects, business expansion, equipment purchases, credit lines and other commercial loans that will enhance the quality of living in our great South Georgia area! Our lending staff is a seasoned group of individuals who truly care about you and your ideas and will take the time to listen to your plans and give constructive advice based on years of experience in commercial banking.

When you visit with one of our loan officers to discuss your business loan, please bring the following:

  • Last 2 years of fiscal year-end balance sheets and income statements
  • Detailed business plan if business is a new business
  • Interim balance sheets and income statements
  • Signed personal financial statement
  • Last 2 years of federal tax returns on business and individual
  • Signed purchase agreement if business is a new acquisition
  • Projections for at least two years – cash flow, balance sheet, and income statement