Thankful for You – Main Street’s Longest Partnerships

Founded in 1947, F&M Bank and Trust has remained true to its community roots for more than 75 years. Still family-owned, F&M continues delivering the personal service that has defined its history. With more than $80 million in assets, the bank proudly supported local businesses during the COVID-19 pandemic, issuing over $18 million in PPP loans.

As a family-owned business, Main Street appreciates F&M’s dedication to their community and to small businesses.

Since receiving its charter in 1965, Citizens Bank of the South has grown from a single branch in Sandersville, GA, to a trusted community presence with locations across numerous counties. Through six decades of change, the bank has stayed true to its mission of serving customers with care and professionalism.

Celebrating its 60th anniversary in 2025, CBOTS continues to embody its motto of “Simple Banking, Your Way.” We couldn’t agree more with their focus and their approach.

Formed in 1933 from the merger of two local institutions during the Great Depression, Headland National Bank (HNB) emerged as a symbol of resilience in its community.

Under the leadership of Major W. Espy – who became president at just 26 and served for 45 years – the bank grew steadily from humble beginnings of less than $200,000 in assets. That same spirit of stability and service continues to define Headland National today.

Founded in 1910 as Curtis State Bank, Western Nebraska Bank has deep roots in rural communities and agricultural partnerships. Through the Great Depression and decades of change, the bank remained steadfast in serving local families and businesses.

Across generations, Western Nebraska Bank has upheld a tradition of integrity, innovation, and community investment – pledging continued support for the people and places it serves.

Tracing its roots back to 1871, The Geo. D. Warthen Bank began as a small private institution founded by George D. Warthen and Jeff A. Irwin, Sr. Over the decades, it evolved through several charters and continued operations under the Warthen name after George Warthen’s passing in 1927.

Now recognized as the oldest bank in Georgia, it remains a cornerstone of the local business community and a testament to enduring tradition.

Since 1964, First State Bank has put people before profit, serving Jefferson County and surrounding areas with personal service and community support. Over the years, the bank has expanded to branches in Americus, Warrenton, Harlem, and most recently Evans in 2025.  

Known by their motto as a “customer first” bank, First State continues to meet the evolving financial needs of its neighbors while staying deeply rooted in Georgia. 

Founded in 1922, Farmers & Merchants Bank supports America’s growers with loans built for agricultural production. From land development to the construction of farm buildings, this Eatonton, GA, based institution keeps grocery stores stocked and pantries full in communities far and wide.

Main Street is proud to support Farmers & Merchants Banks while they support those who feed us.

Peoples Independent Bank was founded on a simple mission – to deliver personal service through strong, community-centered banking. Guided by that principle, the bank continues to combine modern financial solutions with a friendly, welcoming atmosphere.

Dedicated to supporting local progress, Peoples Independent invests time, resources, and innovation into every community it serves, staying true to its promise: “You’ll like banking with us.”

Founded in 1916 in Calera, Alabama, Central State Bank has built more than a century of service on community leadership and personal connection. The bank’s modern era began in 1947 when Roy Downs became owner and helped strengthen Calera’s economy through local growth and development.

Under the continued leadership of the Downs and Schroeder families, Central State Bank remains committed to relationship banking.

Founded in 1908 as the Bank of Red Bay, Community Spirit Bank has been part of the Red Bay community for more than a century. From its early days in the Red Bay Hotel to its expansion across Alabama and Mississippi, the bank has grown alongside the communities it serves.

Now proudly carrying a name that reflects its mission, Community Spirit Bank remains true to its roots – offering personal service, hometown values, and a genuine commitment to community banking that never goes out of style.