Among our top priorities at FirstBank is making sure we deliver on our promise to offer the best, most up-to-date and efficient products and services to our customers. This Internet site is one example of how I believe we are doing that.

When our charter, Farmers State Bank in Scotts Hill, Tenn., was granted one hundred years ago, the Internet was unfathomable. There were no computers, no online banking or online bill pay and no e-mail. Customers had to visit the branch each time they needed to complete a transaction. That type of frequent, personal interaction helped tellers and other employees at the local bank cultivate special relationships with their customers. Times have certainly changed since then and, because of advancements in technology, banking today can be done from virtually anywhere at the strike of a key.

But we still find immeasurable value in getting to know our customers, because our number one priority is staying true to our community banking approach. At FirstBank, we believe a community bank identifies its customers not just as account numbers, but by their names and faces. While the FirstBank Web site can never replace the customer care you receive at any of our branches, we hope you find it a fast, convenient tool to supplement the relationship you have with your local banker. We hope you agree that the resources available at our online site www.firstbankonline.com is just one more reason why FirstBank is truly the place Where You Matter Most!

Douglas Cruickshanks, Jr.
President and Chief Executive Officer

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