Established in 1900, Citizens National Bank is a banking organization located in Chillicothe, Ohio offering its services in Ross and Fayette County and surrounding areas. It offers an array of services to small business holders, individuals, teenagers and those buying their first house. Some of the services of the bank include saving accounts, individual retirement accounts, money market plus accounts, Christmas club accounts, and vacation club accounts. In addition, Citizens National Bank provides home loans, home equity, fixed rate loans, home equity credits, personal loans, auto loans, online banking services and ATM services. In 1998, Citizens National Bank opened a new one-bank holding company, First Capital Bancshares Inc.