First and Farmers National Bank, Inc.

First and Farmers National Bank, Inc.

PO Box 820 Somerset KY


Contact Person: Andrea Clue

Farmers National Bank was established in February of 2008 when the First & Farmers Bank group of banks in Somerset, Albany, Burnside, and Nancy and the First National Bank of Columbia, including the Bank of Cumberland of Burkesville, consolidated banking operations.  The bank employs approximately 165 people and has over $470,000,000 in assets. The corporate colors are red, white, and blue, as in the colors of the American flag, and the corporate logo is the soaring bald eagle.

Today’s First & Farmers National Bank can trace its history to Citizens Bank of Albany located in Albany, Kentucky dating back to 1898; First National Bank of Columbia located in Columbia, Kentucky dating back to 1903; Bank of Cumberland located in Burkesville, Kentucky dating back to 1889; and First & Farmers Bank located in Somerset dating back to 1818.

Our current banking locations and many years of operation in Pulaski, Clinton, Adair and Cumberland counties, along with a network of Cash Dispensing Machine and ATM locations, allow us to service our communities and customers in a prompt and efficient manner with the most modern, convenient, and progressive services available. We are very proud of our long history as a well-respected, sound, and profitable bank.

We invite you to visit any one of our locations and experience how pleasant banking can really be.  It’s what we mean by “Putting You First!”

Our Mission Statement

Our Mission is to be recognized as the best group of banks in south central Kentucky. We are committed to operating strong, sound banks through local management and accountable to meeting the needs of our stockholders, customers, employees, and community.


We are accountable to our stockholders to maximize the value of their investments and to outperform our peers.


We are accountable to our customers to provide an exceptional level of service, competitively priced products and services in an atmosphere where the customer feels valued, and sound banking practices through conservative lending and investment principles.


We are accountable to our employees to provide a work environment that motivates them to reach their full potential, and that fosters teamwork, promotes satisfaction, and rewards performance.


We are accountable to our community to maintain our image as a professional and ethical leader, to enhance the quality of life by promoting economic and cultural growth through corporate support and employee participation, and to demonstrate responsible corporate citizenship by our continued commitment to charitable and civic projects.

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