Southern Heritage Bank has four 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 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