Founded in 1935, First Southern Bank, formerly known as the First Federal Savings & Loan Association, provides full-service banking to individuals, families and businesses through its five offices in Lauderdale and Colbert counties in Alabama. Its employees are involved in several civic organizations, such as Shoals Chamber of Commerce, Civitan Clubs, Kiwanis Clubs, Rotary Club, Easter Seal Center, W. C. Handy Festival, Helen Keller Festival, Shoals Crisis Center and American Red Cross. The bank provides checking and savings accounts and personal and business loans. First Southern Bank offers several mortgage and loan options for the purchase of vehicles and homes, as well as finance construction. The bank also offers online banking, money management, financial consulting, and trust and estate planning services.