First Century Bankshares, Inc. is a bank holding company. It operates through First Century Bank, Inc., which provides banking products and services. The Bank�s principal business is focused on personal banking, commercial banking, loans, and trust and financial services. Under personal banking, the Bank provides checking accounts that cater to everyone from college students to the senior citizens, personal saving services, certificates of deposits and other services such as online and phone banking. Under its commercial banking segment, the Bank provides commercial checking accounts that cater to small businesses, large businesses, non-governmental organizations, government units and sole proprietors. The Bank also provides commercial loans and credit services; consumer loans; other loans and credit services; Overdraft Protection service; asset and property management services; LifeStyle, an investment program, and brokerage accounts.