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Lending money to qualified borrowers is how we make our living so we strive to do that better than anyone else. We believe the loan process can be made easier and more personal by contacting you directly prior to requiring your completion of a formal written loan application. Simply submit a loan inquiry and provide us with the limited information requested there, and we will contact you at your convenience to help you get started. Your loan approval may be only a "click" away.


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Consumer Lending

We offer consumer loans for almost any purpose. They may be secured (requiring collateral) or unsecured (no collateral required) depending on the size, purpose, and your credit qualifications. We believe the loan process can be made easier and more personal by contacting you directly prior to requiring your completion of a formal written loan application. Simply submit a loan inquiry and provide us with the limited information requested there, and we will contact you at your convenience to help you get started.


Home Mortgages

Are you building, buying, renting, selling, or refinancing a home? We have a loan to meet your needs, subject to approved credit we finance:

  • Construction - Owner or contractor built, modular, manufactured, stick built.
  • Vacant Land - Building site, recreational, agricultural, commercial.
  • Home Purchase - Low down payment, Rural Development, FHLMC, FHA, VA, MSHDA and other options available. We'll work with you to find the right loan for your needs.
  • Manufactured Housing - Construction, purchase, or refinancing.
  • Second Homes - Anywhere in the state if your primary residence is in our market area.
  • Rental Homes - Owner occupied or not.
  • Second Mortgages - Equity in your home can become cash in the bank.

A calculator on top of a home equity loan form.

Home Equity Loans

A Home Equity Line of Credit is an excellent way to leverage your home ownership. You decide when and how much to borrow by writing a check against your line, and the interest may be deductible on your federal tax return (check with your tax professional to be sure). Some common purposes for a home equity line are:

  • Home Improvement
  • Debt Consolidation
  • Car, Boat or Recreational Vehicle
  • Garage, Pool, or Patio
  • Vacation
  • Small Business Purposes
  • Or, Simply to have credit available for emergency or discretionary purchases

Almost any purpose is the right purpose to have a home equity line of credit. We believe the loan process can be made easier and more personal by contacting you directly prior to requiring your completion of a formal written loan application. Simply submit a loan inquiry and provide us with the limited information requested there, and we will contact you at your convenience to get started.


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Commercial Lending

Because we are a locally owned community bank, loan decisions are made quickly by officers who are familiar with local economic and social conditions. There is no need to refer applications to headquarters in the big city. Commercial loans are made for a wide variety of purposes and on many different terms.

We believe the loan process can be made easier and more personal by contacting you directly prior to requiring your completion of a formal written loan application. Simply submit a loan inquiry and provide us with the limited information requested there, and we will contact you at your convenience to get started.


Loan Inquiry

We believe the loan process can be made easier and more personal by contacting you directly prior to requiring your completion of a formal loan application. Simply provide us with your zip code, and we'll get the two step process started.

Step 1 of 2: Enter Your Zip Code

*Required fields.

Loan Officers

Meet our experienced loan officers, here to serve your lending needs.

Jamie Bloom
Jamie Bloom
Loan Officer
NMLS#: 1525581
Brandon Bradley
Brandon Bradley
Universal Banker
NMLS#: 1592288
Twila Garner
Twila Garner
Mortgage Loan Officer
NMLS#: 746746
Craig Goodlock
Craig M. Goodlock
Chairman and Chief Executive Officer
NMLS#: 746744
Sara Jacobs
Sara Jacobs
Universal Banker
NMLS#: 1634568
Dave Leightner
Dave Leightner
Loan Officer
NMLS#: 215145
Amy Montgomery
Amy Montgomery
Universal Banker
NMLS#: 1592283
Jon Robertson
Jon Robertson
Loan Officer
NMLS#: 1061861
Louis Salow
Louis Salow
Credit Administrator
NMLS#: 746748