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First State Bank is a 100% employee-owned independent bank headquartered in Monticello, IL. The bank also has offices in Champaign, Atwood, Hammond and TuscolaFirst State offers a complete line of financial services to commercial and retail customers. 
 
Fast, efficient service is important at First State Bank. Management decisions are made locally, meaning we set banking policies and philosophies to suit the needs of the communities we serve.  
 
First State Bank is an Equal Opportunity Employer. Member FDIC. Equal Housing Lender.