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Message from the President


Thank you for visiting our Web site.

If you are already a customer thank you for your business!  If you are considering banking with us  - we appreciate your interest.  Whether you prefer to manage your finances online, visit us in person, or both; our commitment to you is to provide you with a safe, convenient and enjoyable banking experience. 

For more than 75 years, First Southern has been focused on meeting the financial needs of customers in the Shoals area with outstanding service. We are an independent community bank with leading edge technology but deliver it with a local flair. Our employees take pride in doing what is best for you and the bank.

First Southern Bank provides full service banking to individuals, families and businesses through our five offices in Lauderdale and Colbert counties of Alabama. First Southern is committed to exceptional customer service and our local decision making allows your banking needs to be met in a prompt and professional manner.

First Southern Bank is also proud to offer the most current financial services that are tailored to serve your needs - from checking, savings, and CD accounts to mortgages, consumer loans, commercial banking, and Mobile Banking. This Web site displays the array of products and services we offer to meet your financial needs and make your banking experience convenient and enjoyable.

It is important to have a local banker that you know and trust.  Our personal banking philosophy drives each decision we make. We employ the latest technology; however, we will never abandon our personal commitment to you, the customer, our greatest asset.

Our commitment continues . . . one customer at a time!

B. Jack Johnson
President & CEO