Southern Heritage Bank has three financial centers in Cleveland, two financial centers in Chattanooga, and ATM service in Ocoee. SHB provides a range of personal and business banking services designed to fit every customer's needs. First Citizens National Bank operates 20 additional locations throughout a Tennessee. At Southern Heritage Bank, we strive to provide our customers with innovative products and services backed by top-notch technology and responsible banking practices. As a local bank with world-class service, we are delighted to be part of the neighborhood. At Southern Heritage Bank, we're truly part of the community. . . and that's Unbelievably Good! Southern Heritage Bank - A Division of First Citizens National Bank Member FDIC