Local ownership is a positive difference at First State Bank. We're not a branch, but an independent full-service facility right on the square in historic downtown Monticello, an Illinois Main Street Community.

We're locally owned and managed, enabling us to provide the very best in financial services to our customers and our community, which we've been doing since 1945. We haven't changed our name in our entire 60 years in business.

Our stockholders and employees live and work in the greater Monticello area and are active in the community. Our bank is involved in maintaining community growth and the excellent quality of life enjoyed in the Piatt county area. We are committed to strengthening the business and agricultural community in Piatt county, and are a strong supporter of area schools.

Loan decisions are made right at the desks of our loan officers. You don't wait for some unknown person in another city or state to make that decision. It's another advantage of being locally owned. We finance homes, businesses, farming operations, vehicles, home improvement projects...you name it. We'd like to talk with you about it. We also offer local merchant account service providers in the area.

A Message from the President

		"First State Bank formed a one-bank holding company in 1984 and since that time has systematically made cash acquisitions of four other independent banks in Hammond, Atwood, Bloomington, and Heyworth, Illinois. In addition, a full-service branch was opened in the prosperous community of Tuscola, Illinois." "Our strategic plan includes an independent operating structure. We have no plans to sell our Holding Company to a large regional or national firm.
John Corley President First State Bank

We will continue to be successful against large, regional or national institutions because we provide face-to-face service for the segment of the banking market that demands it, and we can continue to provide the modern and technologically-advanced banking systems our customers require."

"We strongly believe in the message contained in our Mission Statement:

Personal service is our major goal. The customer is first and is always right. We want our customer to know us as a friend and to respect us for excellence in our service. We want our service to be accurate and timely. We want to be known for our creativity and innovativeness. We want our customers to be proud to refer to us as 'my bank'."

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