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Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK


We want to be the people you come to for help with the biggest financial decisions of your life. Since 1925, our Investment and Trust Department’s mission has been to understand each customer’s specific financial goals. Our local presence has helped us develop an appreciation of our neighbors’ needs. You can count on the First Citizens National Bank Investment and Trust Department’s expert guidance — and unbelievably good advice — to help you with all of your estate planning and investment needs.

What our
customers say

You’re a person here, not a number. The people here know who you are when you walk in the door and treat you like family.

– First Citizens National Bank customer