With one of its locations in Sharon, Tenn., First State Bank offers a variety of personal and business accounts, checking accounts and a variety of certificates of deposit and savings accounts. It provides consumer loans for purchasing automobiles, boats, mobile homes, recreational vehicles, personal expenses, home improvement and other personal items. It offers commercial loans for small and large businesses to cover operating expenses, purchase inventory and fixed assets, expansion of business and establishment of credit lines. Its other services and products include ATM cards, safe deposit boxes and 24-hour telephone banking. It provides residential loans for the construction of new homes, purchase of homes, permanent financing and home equity loans. In addition, it offers agricultural loans for purchasing equipment, livestock and land, farm improvements and operating expenses.