First & Farmers National Bank offers a range of cash management services for commercial and residential clients. As a locally owned and operated institution, it provides certificates of deposit, and checking, savings and individual retirement accounts. The bank is a member of the Federal Deposit Insurance Corporation. First & Farmers National Bank offers mortgage, construction, home equity, real estate and agricultural loans. The bank maintains a work force of more than 160 employees. It operates over 10 locations in Clinton, Cumberland, Adair and Pulaski counties in Kentucky. First & Farmers National Bank provides online banking services, as well as credit cards.