Bank Branches › Closed and merged banks › Kentucky › First Southern National Bank
What happened to First Southern National Bank?
First Southern National Bank in Somerset, KY (earlier called The National Bank of Hustonville and 1 other name) merged into First Southern National of Lancaster, KY on Dec 17, 1998. That bank is now called First Southern National Bank (Lancaster, KY).
The chain, step by step
From the day it opened to the bank at the end of the chain today. Each step is one entry in the FDIC's record.
- 1883The National Bank of Hustonville opens in Somerset, KY
- Nov 18, 1991renamed First Southern National Bank of Lincoln County
- Jan 1, 1997renamed First Southern National Bank
- Dec 17, 1998MERGEDFirst Southern National Bank merged into First Southern National of Lancaster, KY.FDIC certificate 2697 ends; its business continues under certificate 2700.
- TodayOPEN
First Southern National BankMain office Lancaster, KY · FDIC certificate 2700 · 14 offices in 1 state on June 30, 2026Every First Southern National Bank office → Website on file with the FDIC: WWW.FSNB.NET
If you still have something from First Southern National Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows First Southern National Bank as lienholder, start with First Southern National Bank. In a merger the surviving bank takes over the other bank's loans, so it is the bank to ask for a recordable lien release; if the loan was sold along the way, it can tell you to whom.
The FDIC says it cannot process lien releases for banks that merged or were acquired without government assistance, which is what the record shows here.
Record the release with the same county office that recorded the original mortgage or deed of trust.
An old account, passbook or CD
Ask First Southern National Bank to search for the account under the name First Southern National Bank. A passbook or certificate shows an account existed. It doesn't show the money is still there, and the OCC notes that federal rules require banks to keep most account records for five years.
Accounts nobody touches are eventually turned over to a state. The OCC puts the usual wait at three to five years with no activity, set by each state's law. Search the unclaimed-property program of the state of the owner's last known address on the bank's records, and any other state they lived in. It is free to search and to claim through a state's own site, and MissingMoney.com, an official site of the state administrators' association, searches most states at once.
A safe deposit box
Ask First Southern National Bank which branch now holds boxes from the First Southern National Bank office you used. The OCC says a box with no activity for three to five years (the period is set by state statute) is likely treated as dormant, and its contents may be turned over to the state's unclaimed-property program.
Box contents are not covered by FDIC insurance.
Not sure this is your bank?
Many banks shared a name. Match the city and the years above against your paperwork, or search again with the town.
Credit unions were never FDIC-insured and are not in this record; the NCUA credit union lookup covers those. Banks that closed before about 1970 are not in the FDIC's list either.
One caution: banks also sell single branches. If the office you used was sold to a different bank along the way, the account went with the branch, not with this chain. The office list below shows which bank each office reports under now.
This page is drawn from FDIC records and federal guidance. It is not legal advice, and BankBranches is not a bank or a government office. More detail: lien releases · old passbooks and CDs · safe deposit boxes · unclaimed money.
Where the guidance comes from ▾
Its offices in the FDIC deposit reports
7 offices filed under this charter in some year from 1994 on. 3 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 103 Vincent DrStanford, KY | OpenFirst Southern National Bank |
| 102 W Main StStanford, KY | OpenFirst Southern National Bank |
| 15 N Highway 27Somerset, KY | OpenFirst Southern National Bank |
| 9860 Main StreetHustonville, KY | No longer reported |
| 214 Main StreetCrab Orchard, KY | No longer reported |
| 614 Main StreetStanford, KY | No longer reported |
| U.S. 127 and Kentucky 78Hustonville, KY | No longer reported |
Source: FDIC BankFind institution and history records, read Nov 15, 2026. The FDIC's list covers banks that ended in about 1970 or later. Look up certificate 2697 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.