First Century Bankshares, Inc. is a financial holding company. Effective January 20, 2012, First Century Bank, National Association (FCB or the Bank) converted from a national banking charter to a West Virginia state bank. The Bank offers customary banking services, including commercial, real estate, installment, and other loans; interest-bearing and non-interest bearing transaction accounts, savings and time deposit accounts including certificates and other deposit accounts, featuring various maturities and market rates; individual retirement accounts; Visa and MasterCard services under an arrangement with a correspondent bank; safe deposit facilities; personal and corporate trust services, and various cash management services along with a full range of electronic banking products and services. The Bank, as of December 31, 2011, operated 11 additional branches. The Company also has a financial subsidiary, First Century Financial Services, LLC.