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**Attention E-Statement Customers**  Our internet banking site will be disabled as of 5pm on April 28, 2014, as the First National Bank of Byers becomes Fidelity Bank.  At that time, all of your prior month statements will no longer be accessible through internet banking.  We are suggesting that you download all of your available statements before 3pm on April 24, 2014.  If you have any questions, please contact us and we will be happy to assist you.

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Notice of Changes in Temporary FDIC Coverage for Transaction Accounts. All funds in a "non-interest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules. The term "non-interest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes interest on Lawyers Trust Accounts (IOLTA's). It does not include other accounts such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market accounts. The combined total of your interest-bearing accounts remains insured under the FDIC's general deposit insurance rules. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.