First State Bank serves the banking needs of customers in the cities of Waynesboro, Clara, State Line, Quitman, Leakesville, Lucedale, Buckatunna and Meridian, Miss. The banks offer a variety of services, such as personal banking options that include checking accounts, savings accounts, online banking, VISA cards, automatic teller machine cards, check cards, telephone banking, personal loans and mortgage loans. The banks also provide a number of business banking options, such as business checking accounts, retirement accounts, online banking, VISA cards, automatic teller machine cards, check cards, direct deposit, debit services, merchant services, telephone banking, commercial loans and agriculture loans. Its investment services include mutual funds, brokerage services, individual retirement accounts, personal investment planning, tax deferred annuities, small business retirement plans and college savings plans. First State Bank is headquartered in Waynesboro.