First & Farmers National Bank, Inc.is a locally owned and operated bank. The Bank is fully dedicated to serving the people and businesses in our communities. With 16 banking locations and over 165 employees in the Lake Cumberland area, First & Farmers National Bank is a vibrant corporate citizen of Clinton, Cumberland, Adair, and Pulaski Counties. Our employees take very seriously the corporate mission statement as it regards improving the quality of life in our community.