Welcome to First State Bank


A Community Bank - Banking Community People.

We invite you to explore the features and many services of First State Bank.






By operation of federal law, beginning January 1, 2013, funds deposited in a "noninterest-bearing transaction account" (including an Interest on Lawyers Trust Account, “IOLTAs”) no longer will receive unlimited deposit insurance by Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to standard maximum deposit insurance amount of $250,000, for each deposit insurance ownership category.


For more information about FDIC insurance coverage of noninterest bearing transaction accounts, visit http://www.fdic.gov/deposit/deposits/unlimited/expiration.html.



With branch offices in Wrens and Louisville, Georgia, First State Bank has been serving
the citizens of Jefferson County and surrounding areas since 1964.

A branch office was opened in 2002 in Americus, Georgia to meet the banking need of
citizens in Sumter County and surrounding areas.

In addition to meeting the financial needs of the community, First State Bank takes an
active role in supporting and participating in local community events.

First State Bank takes pride in "Bending Over Backwards" for its customers, "Every Transaction, Every Time."









Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.



The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and employment information
  • account balances and payment history
  • credit history and account transactions
When you are no longer our customer, we continue to share your information as described in this notice.



All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons First State Bank chooses to share; and whether you can limit this sharing.


Reasons we can share your personal information


Can you limit this sharing?

For our everyday business purposes
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus


For our marketing purposes
to offer our products and services to you


For joint marketing with other financial companies


For our affiliates’ everyday business purposes
information about your transactions and experiences


For our affiliates’ everyday business purposes
information about your creditworthiness


For our affiliates to market to you

For nonaffiliates to market to you NO WE DON’T SHARE



Call 706-547-6502


Who we are

Who is providing this notice? FIRST STATE BANK


What we do

How does FIRST STATE BANK protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.


How does FIRST STATE BANK collect my personal information?

We collect your personal information, for example, when you


  • open an account or deposit money
  • pay your bills or apply for a loan
  • provide employment information


We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.


Why can’t I limit all sharing?

Federal law gives you the right to limit only


  • sharing for affiliates’ everyday business purposes—information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you


State laws and individual companies may give you additional rights to limit sharing.




Companies related by common ownership or control. They can be financial and nonfinancial companies.


  • FIRST STATE BANK does not share with our affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.


  • FIRST STATE BANK does not share with nonaffiliates so they can market to you
Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.


  • FIRST STATE BANK doesn’t jointly market


Customer Notices




This policy fulfills the requirements under the American Recovery and Reinvestment Act of 2009 (ARRA) enacted February 17, 2009. ARRA requires each recipient of funds under the Capital Purchase Program (CPP) of the Troubled Assets Relief Program (TARP) to have in place a company-wide policy regarding excessive or luxury expenditures, as identified by the Secretary of the Department of the U.S. Treasury.


CSRA Bank Corp. and its wholly-owned subsidiary, First State Bank (hereinafter collectively known as the “Company”), prohibit excessive or luxury expenditures for entertainment and events, office or facility renovations, aviation or other transportation services or other activities or events that are not reasonable expenditures for conferences, staff development, reasonable performance incentives or other similar measure conducted in the normal course of business operations.


All employees of CSRA Bank Corp. and its subsidiaries are subject to this Policy and will be held accountable for compliance with this Policy.


If an employee should violate this Policy, the facts and circumstances of the violation will be reported to the Board of Directors. The Board of Directors will then determine what the consequences of the violation will be.


Prompt internal reporting of suspected violations is encouraged. If an employee wishes to report a suspected violation, he or she should report the suspected violation to the President or the Chairman of the Board and report the facts and circumstances of the suspected violation.


Requests for expenditures requiring prior approval should be made to the President or the Chairman of the Board. Such requests will then be submitted to the Board of Directors for action.




Renovations of facilities and office spaces should be relative to current business plans and needs. An exception to this will be allowed if management must deal with an emergency situation, such as an act of nature, and the expenditure is necessary to make the facility operational for customer use.

At no time should renovations be done that would have the appearance of being extraordinary or excessive from a shareholder perspective. Requests for renovations other than emergency situations will be submitted to the Board of Directors for approval.




Entertainment is defined as an activity for which an officer or employee would use Company funds for business development purposes relating to current customers or prospective customers or to further enhance the Company’s marketing efforts.  Excessive entertainment or an excessive event is defined as any single occurrence or event where the activity is not designed to enhance the marketing efforts of the Company or support business development efforts of the Company.

Our expectation is that all such expenses paid for by the Company would be for company purposes, and used to generate business for the Company. Any expenses for excessive entertainment or an excessive event will be submitted to the Board of Directors for approval.




We encourage our staff to attend conferences that are appropriate educational opportunities. These conferences should be related to the financial services industry and have a direct correlation to their job. At times it may be appropriate that a spouse would travel to these conferences with Company attendees. Typically these conferences are sponsored by vendors, banking associations, or other industry-related entities.


This policy would exclude reward conferences if the purpose is meant to be a reward, or would have no value of education to the employee or executive. Requests for reward conference expenses will be submitted to the Board of Directors for approval.


Holiday Parties:


We feel that holiday parties are part of an employee appreciation process. Holiday parties should be local in geographic nature, and should not cost the Company more than an average day’s payroll per employee, on average.

Board retreats should only be used for educational purposes, and should be considered and looked at in the same view and with discretion as all other expenses. Board education is a vital part of maintaining and keeping a dynamic director base, and this policy should not limit a retreat that is focused on strategic planning or education.


Events and parties focused on customers for the purpose of attracting or retaining their business would not fall under this policy. Expenses in addition to those outlined above will be submitted to the Board of Directors for approval.


Aviation Services:


Transportation for Company staff to conferences, for business development purposes and merger and acquisition research should be conducted in the most cost-appropriate way for the Company. Modes of transportation to be used for the analysis, for example, may consist of vehicle, commercial air service and private air service. A determination of the appropriateness of transportation will factor in cost, efficiency and timeliness of travel. Excessive aviation or other transportation services expenditures are prohibited. Requests for excessive aviation or other transportation service expenses will be submitted to the Board of Directors for approval.

Spouse Travel:


Expenses of travel for spouses of Company staff to conferences or other functions attended by Company Staff other than reward conferences are generally considered to be appropriate and permitted and will be borne by the Company. Expenses for spouse travel in connection with any items in this Policy requiring approval by the Board of Directors will also be submitted to the Board of Directors for approval.




  • Main Office
  • Louisville
  • Americus


Main Office


Main Office Wrens


300 Broad Street

Wrens, GA 30833

(706) 547-6502


Tele-Bank: (706) 547-2265


Our convenient banking hours at the Main office are:


  Lobby Drive-Thru
Monday - Friday 9:00 AM - 5:00 PM 8:30 AM - 5:00 PM
Saturday   8:30 AM - 12:00 PM





Louisville Office


900 Peachtree Street
Louisville, GA 30434

(478) 625-8444


Tele-Bank: (706) 547-2265


Our convenient banking hours at the Louisville office are:


  Lobby Drive-Thru
Monday - Friday 9:00 AM - 5:00 PM 8:30 AM - 5:00 PM





Americus Division


800 East Lamar Street
Americus, Georgia 31709

(229) 924-3200


Tele-Bank: (866) 372-2488

Our convenient banking hours at the Americus office are:


  Lobby Drive-Thru
Monday - Thursday 9:00 AM - 4:00 PM 8:30 AM - 5:00 PM
Friday 9:00 AM - 5:00 PM 8:30 AM - 5:00 PM


Contact Us


Telephone:  (706) 547-6502
Telebank (Customer Service):  706-547-BANK(2265)
Postal Address:  P. O. Box 555, Wrens GA 30833
Physical Location:  300 Broad Street, Wrens GA 30833
Electronic Mail: fsb@firstate.net



This E-mail is not a secure link and it is intended for general information only.

Emails should not include personal, non-public information, such as account

numbers, pin numbers, or other sensitive information. Please call or write

First State Bank with any questions you may have.