Mountain 1st Bank & Trust Company (bank) provides personal and business banking products and services to small and medium-sized businesses and individuals in Buncombe, Haywood, Henderson, Polk, and Transylvania Counties in North Carolina. Its deposit products include checking account, savings account, NOW account, money market account, demand and time deposits, certificates of deposit, and individual retirement accounts. The bank’s lending portfolio includes residential mortgage loans, real estate loans, construction loans, consumer loans, consumer installment loans, commercial and industrial loans, and home equity lines of credit. It also offers safe deposit boxes, credit cards, cash management services, online banking, and merchant card services. As of December 31, 2005, Mountain 1st Bank had eight branch offices in North Carolina. The bank was incorporated in 2004 and is headquartered in Hendersonville, North Carolina. Was Recently Highlighted in the YourOTC.com Newsletter http://www.yourotc.com/goto.php?w=/newsletter/July_2006.pdf