First State Bank provides a wide range of financial services to consumers and businesses in Waynesboro, Miss. The bank offers checking, savings and money market accounts, debit cards and investment services. Its lending capabilities include personal, commercial, agriculture and mortgage loans. First State Bank assists businesses with cash management, employee pensions, direct deposit and merchant services. The bank s online module enables customers to access accounts, pay bills and customize financial services. It has expertise in mutual funds, annuities and college savings. First State Bank is a member of the Federal Deposit Insurance Corporation.