Michael J. Ferguson, President and CEO of the First National Bank of Crystal Falls.Welcome to First National Bank On-Line Banking. Founded in 1934 FNB OF Crystal Falls prides itself on being your hometown bank. We are independently owned and operated while serving both Dickinson and Iron counties.

Over the past 73 years we have offered the best of full service banking with a wide range of deposit accounts and loan programs to fit our customers needs. Over the past ten years our
industry has undergone many changes in the areas of new products and services, technology advances and increased regulation and security.

We are pleased and excited to offer a wide range of on-line services including Internet
Banking and Bill Pay services. Our updated web site will allow our customers and visitors to
preview our many products and services. We will continue our efforts to keep on top of the
vast changes within the banking industry, always keeping the best interests of you, our
customer, in the forefront.

Please take a tour of FNB On-Line, check out our locations and ATM sites, check our rates,
and preview our products and services. Our experienced staff is ready to show you the
benefits of a true hometown community bank.

On behalf of our Board of Directors, officers, and staff, I would like to welcome you to
First National Bank of Crystal Falls.

Thank You,

Michael J. Ferguson
President & CEO