Extensive bank consolidation in recent years has decreased the options individuals and businesses have for their banking needs. In 1998, a group of individuals decided to form Flagler Bank to fill this void. Their objective was to provide the type of excellent personalized service that was the trademark of the past, but due to consolidations was more and more difficult to find. This type of service coupled with today's improved technology combines the best of the past with the advantages of the present and the future.

We chose the Flagler Bank name, which represents the past. We built a new bank facility complete with new banking technology, thus combining the old historical name and old time banking traditions with modern banking services, which the public now enjoys.

Some of Flagler Bank's advantages are:

• Personalized service — you'll speak to a person, not a machine.
• Striving to really know our customers, so we can better serve their personal and business needs.
  
• Small business-friendly — we want to grow your business.
• Fast loan decisions — all decisions are made locally, so our response is quick.
  
• Conveniently located — or we will come to you.
• Deal with the decision makers — you can always reach our President, Jim Semrad.
  
• Provide funds for the local community — we will invest our funds in the local community, not some out-of-state entity.