Four Oaks Fincorp is the holding company for Four Oaks Bank & Trust Company. The bank provides traditional personal banking services as well as loans for business, agriculture, real estate, personal use, home improvement and automobiles. Four Oaks operates in eastern and central North Carolina. Fair Oaks Bank was chartered in 1912 and the Federal Deposit Insurance Corporation insures its deposits. Fair Oaks Fincorp trades on the OTC Bulletin Board under the symbol FOFN. It is headquartered in Four Oaks, N.C.