Photo Credit: Tom Cross

The FSB Story

First State Bank has been your community bank since 1884. Presently, there are twelve locations: Manchester, Peebles, Seaman, West Union, Winchester, Ripley, Georgetown, Mt. Orab, Hillsboro, Washington Court House, Wilmington and St. Bernard.

In 1884, Lucien Jerome Fenton formed the Winchester Bank Company (presently First State Bank, Winchester Branch) with capital of $50,000. At that time, the bank was a two-story building and was shared by a dry goods store. The new bank was built in 1976, and remodeled in 1990, in the same location as the original Winchester Bank Company.

In 1959, the Winchester Bank Company acquired The Seaman Bank. Today, after renovations in 1977, and 2004, First State Bank's Seaman Branch stands in the same location as the original Seaman Bank.

The Bank of Manchester (presently First State Bank, Manchester Branch) was formed in the late 1800's and was originally located on Second Street in Manchester. The Manchester branch then moved to 210 Pike Street in 1976, where it is still located today.

On May 1, 1969, First State Bank was formed as the result of a merger between the Bank of Manchester and the Winchester Bank Company. At the time of the merger, the bank had offices in Manchester, Seaman, and Winchester.

In July of 1989, First State Bank saw a need for an office centralized in its market area. A branch was built in the Adams County Seat of West Union on the property that was originally known as the Old Shell Property.

In October of 1996, First State Bank expanded by building a branch in Peebles on the corner of Main and Church Street. Years ago, the property was occupied by an old church which was later converted into a large home. The property is best known for the McFarland Ford Dealership that once occupied the lot until the bank's construction in 1996.

In April of 2008, First State Bank acquired three branch locations in Brown County that had previously been owned and operated by Oak Hill Financial, Inc. (Jackson, OH). These branches are located in Ripley, Georgetown, and Mt. Orab. The Ripley and Georgetown locations were at one time branches of the Ripley National Bank. This bank was acquired by Oak Hill Financial, Inc. in 2004. The Mt. Orab location was built by Oak Hill Financial, Inc. in 2006.

First State Bank now has twelve locations to better serve Adams, Brown, Highland, Fayette, Clinton, Hamilton and the surrounding areas. In May 2013, First State Bank opened it's ninth location in Hillsboro, Ohio. And in 2014, First State Bank acquired a branch location in Washington Court House in Fayette County. In 2016, First State Bank opened a loan production office in Wilmington, Ohio and also acquired First Safety Bank with locations in Georgetown and St. Bernard in Cincinnati.


First State Bank employs approximately 120 full time and part-time employees. Officers and managers of the bank are the following: Michael Pell, President/CEO; David Richey, VP/CFO; Judd Johnson, VP/Branch Administrator; Jo Hanson, VP/Human Resources; Tim Grooms, Chief Risk Officer; Becky Sanders, Controller; Philip Reed, VP/Business Development; Tom Kizer, Indirect/Consumer Banking; Chad Wilson, VP/Commercial Banking, Nicholas Brown, Compliance; Doug Henry, Terry Dixon, William McKenney, Robert Sawtell, Ann Marie Hagerty, Business Development; Jeff Ratliff, Residential Mortgage Banking; Amy Hamilton, Commercial/Agricultural Lending, Diana Grooms, Banking Center Coordinator; Deb Donovan, Card Program Manager; Ellie Zint, Marketing; Pam Shreffler, Deposit Operations; Daniel Ferguson, Assistant VP/Information Technology Manager; Jane Dreger, Call Center; Adam Poole, Loan Operations; Heather Roush, Network Analyst; Debbie Carrington, System Analyst; Brad Jones, Assistant VP/Credit and Mike Davis, Collections.

Banking Center Managers of the bank are: Pamela Douglas, Manchester; Vince Roades, Mt. Orab; Bethany Pistole, Winchester and Seaman; Amy Howard, West Union; Gerry Schumacher, AVP Ripley and Georgetown; Brenda Brown, Peebles; Andrea White, Hillsboro; Mark Richards, Washington Court House. Banking Center Managers are assisted by the following office managers: Taryn Manning, Winchester, Whittnie Edingfield, West Union; Justin Schmitz, Seaman; Paula Planck, Ripley; Ryan Unger, Georgetown; Billie Rae Henry, Mt. Orab and St. Bernard; Maxim Craft, Peebles; Karen Cassidy, Washington Court House and Jennifer Collier, Wilmington.

First State Bank is owned by dedicated stockholders and directed by a board of nine directors. First State Bank's staff and directors are active business owners and citizens in and around the area. The board members include: Chris H. Baxla, Chairman; Alan W. Foster, Vice Chairman; Matthew Greene; Barry L. McFarland; Daniel R. Naylor; Michael P. Pell; Bill Shelby, David Richey and Tony Applegate.

Being locally owned and operated, the goal of First State Bank is to enhance community and individual financial prosperity in surrounding neighborhoods. First State Bank provides full service with the latest technology to help serve all of your banking needs. The bank has the unique ability to make decisions locally and within guidelines that benefit customer needs. An in-house processing system makes us unique from any other bank in the area. All of our bank documents are kept at our Main office in Winchester. This simply means that if you need any research done on your accounts, it can be done efficiently within minutes. First State Bank holds honesty, integrity, ethics, and customer service as top priorities.

The employees of First State Bank take great pride in participating in civic activities that are held in the area throughout the year, including festivals and many local community functions. First State Bank is involved in the Chamber of Commerce of Adams, Brown, Highland, Fayette and Clinton Counties as well as local school activities, and social events. The bank is proud to be a part of Southern Ohio and its communities.

For more information call First State Bank at 937-695-0331 or email FSBKasasa@fsb4me.com.