Photo Credit: Tom Cross
The FSB Story
First State Bank has been your community bank since 1884. From its original location, to our nine current locations, it's been our mission to better serve Adams, Brown, Highland, and the surrounding counties.
Owned by dedicated stockholders and directed by a board of eight directors, First State Bank's staff and directors are active business owners and citizens in our community.
Locally owned and operated, First State Bank's goal is to enhance individual, as well as community financial prosperity. With the unique ability to make decisions locally and within guidelines that benefit customer needs, an in-house processing system makes us unique to other banks in the area. In-house processing means all of our bank documents are kept at our Main office in Winchester — and this means efficiency.
First State Bank holds honesty, integrity, ethics, and customer service as top priorities. As such, we offer full service with the latest technology, like online and mobile banking, to help facilitate all of your money management needs.
FSB has stood the test of time — by changing with the times.
Our story begins in 1884 when Lucien Jerome Fenton formed the Winchester Bank Company with a capital of $50,000 — quite a sum of money back then. At the time, the bank was a two-story building and shared space with a dry goods store. Today, it's First State Bank, Winchester Branch.
The Bank of Manchester was also formed in the late 1800s and its original location was on Second Street in Manchester. In 1976, The Manchester Branch moved to 210 Pike Street, where it still stands today as the First State Bank, Manchester Branch.
In 1959 the Winchester Bank Company acquired The Seaman Bank. After undergoing renovations in 1977 and 2004, the First State Bank's Seaman Branch still stands in the same location as the original Seaman Bank.
First State Bank was formed on May 1, 1969, when the Bank of Manchester and the Winchester Bank Company merged. At the time of the merger, the bank had offices in Manchester, Seaman, and Winchester. The new bank was built in 1976 and remodeled in 1990 and shares the same location as the original Winchester Bank Company.
Since then there have been more changes to strengthen our position in the community. In July 1989, First State Bank saw a need for a central office in the area, and built a branch in the Adams County seat of West Union, on the former Old Shell Property. Six years later, in October 1996, First State Bank expanded with a branch in Peebles, on the corner of Main and Church Street, home of the old McFarland Ford Dealership.
In April 2008, First State Bank acquired three branch locations in Brown County: Ripley, Georgetown, and Mt. Orab. And in 2013, we opened our ninth location in Hillsboro in Highland County, proving that we're still going strong — over a century later.