First National Community Bancorp, Inc. is a bank holding company. First National Community Bank (the Bank) is a wholly owned subsidiary of the Company. The Company�s primary activity consists of owning and operating the Bank, which provides customary retail and commercial banking services to individuals and businesses. The Bank�s operations are conducted from 21 branches located in Lackawanna, Luzerne, Wayne and Monroe Counties, Pennsylvania. The Bank provides many retail banking services and products to individuals and businesses, including Image Checking and E-Statement. Deposit products include various checking, savings and certificate of deposit products, as well as a variety of preferred products for higher balance customers. The Bank also offers customers 24-hour banking, seven days a week, through FNCB Online and its Bill Payment service via the Internet and its automated teller machine (ATM) network. The Bank has ATMs in all 21 branch offices and 10 other locations.