| 1998 | Plans begin for Southern Heritage Bank — 700 shareholders provide start-up capital |
| 1999 | April — Doors open at modular banking facility with $10 million in capital and a staff of 15
 |
| 2000 | May — Waterville Springs office opens at 2530 Dalton Pike |
| 2001 | April — Georgetown Road office opens at 3795 Georgetown Road
 |
| 2002 | November — Assets reach $100 million
December — New Main Office Opens at 3020 Keith Street NW |
| 2003 | February — Deposits reach $100 million |
| 2004 | July — Assets Reach $150 Million
December — Platinum Program begins |
| 2005 | ATM Installed in Polk County |
| 2006 | July — Assets Reach $200 Million |
| 2007 | January — Southern Heritage Financial Services opens to provide financial planning and investment services in partnership with UVEST
Number of shareholders reaches 800+
December — Lot purchased on Stuart Road for future development |
| 2009 | We celebrate 10 Great Years of Community Banking! |