First Century Bankshares, Inc. is the holding company for First Century Bank, Inc. (the Bank). The Bank is engaged in offering various banking services, such as Personal Banking Services, Business Banking Services, and Trust and Financial Services. The Bank offers various loans, such as Commercial Loans and Consumer Loans. The Bank's Personal Banking Services include Personal Checking, such as First Free Checking and First Money Market Plus; Personal Savings, such as First Statement Savings and First Savers Account, and Other Services, such as FirstNet Online Banking, Safe Deposit Box and Credit Cards. Its Business Banking Services include Business Checking, such as First Commercial Basic Checking and First Commercial Interest Checking, and Business Savings, such as First Commercial Money Market Savings. Its Trust and Financial Services include Trust Services; Retirement Services, such as Individual Retirement Accounts; Education Planning; Estate Planning, and Investment Services.