First Citizens Bancshares, Inc. (First Citizens) is a financial holding company. Through the Company's principal bank subsidiary, First Citizens National Bank (FCNB or the Bank), First Citizens conducts commercial banking and financial services operations primarily in West and Middle Tennessee. First Citizens also owns Southern Heritage Bank, which is a separate depository institution. First Citizens, is also the holding company for Southern Heritage Bank, First Citizens (TN) Statutory Trusts III and IV, and Southern Heritage Bancshares Statutory Trust I. Its other subsidiaries include First Citizens Financial Plus, Inc., White and Associates/First Citizens Insurance, LLC and First Citizens Investments, Inc., which provide licensed brokerage services, insurance products and real estate investment services, acquire and sell certain investment securities, and collect income from its portfolio and offers.