Southern Heritage Bank is a division of
FIRST CITIZENS NATIONAL BANK
At First Citizens National Bank, we love our community and that’s why we are so passionate about mortgage lending. Helping our customers finance a new home is one of the most gratifying things our experienced, local lenders do. Whether you are purchasing a new property, refinancing or buying a vacation home or investment property, we have a financing plan that will meet your needs.
I like that First Citizens is locally owned. It has that small-town atmosphere about it.
– First Citizens National Bank customer
For over 125 years at First Citizens National Bank, we've tackled recessions, cleared hurdles and created solutions; but no matter the decade, we have always desired to be the best community bank we can be. We are simply passionate about giving our customers an experience that is unbelievably good.