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In the early 1960's, a group of local citizens collected their efforts and resources to establish a bank. This bank, like others, was chartered to serve the community. It distinguished itself by carving a niche in the consumer/retail business.

In 1965, Citizens Bank of Washington County received its charter and set up operations. The Bank helped individuals with loans; it also helped start-up companies and small businesses with their financial needs.

While the community's economy grew, so did Citizens Bank. In 1971, the Bank opened a south-side branch office, the first branch in the history of the community, at 818 South Harris Street.

The Bank's continuing growth necessitated the construction of a larger building. By May of 1997, construction of the new building had been completed. The Bank moved from its West Haynes Street location, which had served the community and the Bank well for many years, to its present location at 132 South Harris Street.

In November 2006, the Bank opened a loan production office in Statesboro, Georgia, and established the trade name of the location to be Citizens Bank of Bulloch County. The LPO quickly became a full service branch in early 2007. In September of 2008, branch operations were moved to their new permanent facility located at 425 Commerce Drive on the bypass.

Following the company's 50th anniversary, the Bank introduced a common name to set themselves apart from others. On January 1, 2016, Citizens Bank of the South became the official trade name for use in all current and potential markets.

Citizens Bank of the South continues to be committed to its loyal customers, prudent growth and to personal and professional service. In an effort to better serve the community, the Bank maintains convenient banking hours with friendly and efficient service. We invite you to look over our newly branded website and services and to visit one of our three locations.