A Message from our President . . .

Welcome to Santa Claus and the "Spencer County Bank". Our community has a unique name... and our bank has a unique character.

We are a small independently owned community bank capable of delivering highly personalized service, yet we take pride in offering a complete line of products and services from Visa Check Cards and Credit Cards to Investment services*, ATM's, a full service insurance agency** and On-line Banking. Local ownership really does make a difference. Give us a call to find out what we can do for you.

Thank you.

Merle J. Kendall
President & Chairman of the Board

*Are not insured by the FDIC;
*Are not insured by any federal government agency;
*Are not deposits of the financial institution;
*Are not guaranteed by the financial institution, and
* May go down in value

**Not a deposit
** Not FDIC insured
** Not insured by any federal government agency
**Not guaranteed by the bank
** May go down in value.

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