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.
What our customers say
I like that First Citizens is locally owned. It has that small-town atmosphere about it.
– First Citizens National Bank customer