First Farmers BankShares is a bank holding company that owns and operates The Farmers Bank, which is a full-service financial institution that offers various personal and commercial investment and lending solutions. The bank provides checking, savings and individual retirement accounts, as well as issues certificates of deposit. Its range of products includes home equity, automobile, construction, student, mortgage and commercial real estate loans. The Farmers Bank offers Internet and telephone banking services. It also provides online bill payment options. In addition, the bank offers ATM and credit cards for its account holders. It is a member of the Federal Deposit Insurance Corporation and an Equal Housing Lender.