Business Summary
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Citizens Financial Corp. (Citizens) is a bank holding company providing retail and commercial banking services primarily in central and eastern West Virginia. Citizens is the parent company and sole owner of Citizens National Bank of Elkins (the Bank). Citizens National Bank provides a range of retail and commercial banking services including demand, savings and time deposits; residential, consumer and commercial loans; letters of credit; safe deposit and wire transfer services; automated teller machines (ATM); telebanking, and Internet banking services. In addition, the bank operates a trust department and provides brokerage and financial planning services, as well as fixed rate residential mortgages.
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