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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Comments From Corporate

To Our Shareholders:


In Third Quarter 2017, First Citizens National Bank was recognized by the national publication, American Banker Magazine, as one of the “Best Banks to Work For” in the United States—ranking in the Top 20 for the past six years. Laura Beth Butler, FirstCNB’s CFO, was recently recognized at the Memphis Business Journal’s “CFO of the Year” event. Laura Beth was named CFO of the Year in the Private Large category at this event. As a brand, 2017 has delivered a nice list of impactful recognitions compounding our positive reputation and brand image.


De novo branching is not dead! Our newest teammates have officially moved into their new branches located in Springhill and Chattanooga. Neil Headden and Craig Miller, Community Bank Presidents for Springhill and Chattanooga, respectively, are leading our strong, seasoned teammates. FirstCNB’s Chattanooga branch is located at 2021 Hamilton Place Blvd. and the Springhill branch can be found at 2035 Wall Street. We are excited about these growing markets, and total assets for these new branches should leap to $40 million by year-end 2017 and $100 million within a three year timeframe. We now have 24 branches located within 11 counties across Tennessee.


First Citizens National Bank is humbly proud to make a difference in people’s lives and to be deeply rooted in the communities served by the bank. As a company that has been blessed in various ways, we are committed to giving back. In 2017 and especially during year-end holidays, our teammates give many hours of service to numerous organizations, and the bank makes contributions to these deserving organizations.


For our financial information and updated reports, please click here. 

Jeff Agee                                                    Judy Long
Chairman &                                               President &
Chief Executive Officer                           Chief Operating Officer