It is always exciting to introduce something new to our customers.

Baylor Bancshares, Inc., our parent company, has decided to merge all of its subsidiary banks into First Bank & Trust giving our customers eight (8) different locations to transact their business. This allows us to face the costly burdens of additional federal regulations more readily.

It takes a lot of work to build an enduring relationship with a customer, but we appreciate the oppurtunity. In the last 125 years, First Bank & Trust has cultivated lasting relationships with businesses and individuals in the communities we serve.

We appreciate your loyalty and will continue to prove ourselves as a trusted financial resource and community partner.

Thank you for your business.

Darrell W. Adams
President & CEO