We are a local community bank, founded and headquartered in 2004 in Franklin, NC with branches in Hayesville and Murphy.  We offer free checking accounts for business and personal, mobile banking including mobile deposits and online bill pay.   Our mortgage lenders are local people who know the communities we serve and will help find the right product to fit your needs.  Decisions on loans are made locally.  Stop by 120 Siler Road and meet our friendly staff!