First and Citizens Bank - Monterey Bank, Virginia 24465

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First and Citizens Bank
195 West Main Strret
Monterey, Virginia 24465
Bank Web Address: http://www.firstandcitizensbank.com:80/

Active: Yes
FDIC Certificate #: 13011
First and Citizens Bank Established Date: 9/1/1929
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Secondary Insurance Fund:
Structural event relating to an institution: Change in Location
Bank Charter Class: NM - commercial bank, state charter and Fed nonmember, supervised by the FDIC.

Information about First and Citizens Bank as of 9/6/2007 (VA Bank):

• Highland, Virginia
• First and Citizens Bank is NOT being operated in government conservatorship.
• Includes commercial banks insured by the FDIC. These institutions are regulated by one of the three Federal commercial bank regulators (FDIC, Federal Reserve Board, or Office of the Comptroller of the Currency). They submit financial reports to the Federal Reserve (state member banks) or the FDIC (state non-member banks and national banks).
• Includes institutions insured by the FDIC.
• First and Citizens Bank is state chartered.
• Regulator: FDIC
• Bank Holding Company Type: Richmond
• Metropolitan Statistical Area (MSA):
• FDIC Supervisory Region: Atlanta
• Office of Thrift Supervision Region: Southeast
• Federal Reserve District: Atlanta
• Regulatory holding company state location: VA
• Bank Holding Company (Regulatory Top Holder): Highland County Bankshares, Inc.

Office: 2 First and Citizens Bank Branch/Bank Locations

_{*Data by FDIC}