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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK


At First Citizens National Bank, we are passionate about showing our customers that we really care. That’s why we’ve collected these unbelievably good resources that give you the tools and information you need to expertly manage your finances.


What our
customers say

The service at First Citizens is beyond just being great; it’s wonderful. They’re willing to do anything they can to help you.

– First Citizens National Bank customer