Hi. Thanks for stopping by our web page. If you're looking for a bank in northern Michigan, you couldn't have come to a better place.

We do business a little differently than most banks. Because all of our employees are owners through our Employee Stock Ownership Plan, we each have a personal stake in the success of our business. That's why we've earned a reputation for going out of our way to service our customers. Like making a housecall to deliver some important paperwork the night before a customer was scheduled for surgery. Or taking care of an out-of-town customer's plants. Or pushing a customer's stalled car out of the drive-through teller in a torrential downpour!

If that sounds like the kind of service you'd like from a bank, please
contact us. As northern Michigan's largest independent bank, we offer complete deposit, loan, mortgage, trust and investment management services. Stop by one of our 10 full- service branches to talk to an account representative anytime. We'd like to be your bank in northern Michigan. If we may be of service or if you have any questions, please contact us.