Formed in 1931, Farmers State Bank is a community bank providing financial services to the citizens of Owsley County. It provides mortgage, personal, vehicles and home equity loans, rental boxes, cash-dispensing equipment and ATM services. Farmers State Bank provides a variety of checking accounts to match the customer s financial needs and life-style, which includes regular checking, NOW account, club checking, direct deposit checking, money market checking and student checking. The bank also offers passbook savings, certificates of deposit, individual retirement accounts, tax-free earnings and distribution, United States saving bonds, Christmas club accounts and vacation club accounts. Farmers State Bank additionally provides safe deposit boxes, traveler s checks, cashier s checks, wire transfer and notary public service.