First National Bank of Clifton has merged with Kaw Valley State Bank & Trust Company in 2008. Founded in 1913, Kaw Valley State Bank & Trust Company provides a range of personal and business financial products and services. The offers savings and health, money market, checking and individual retirement accounts. The bank also provides certificates of deposit and debit and credit cards. Kaw Valley State Bank & Trust Company offers a variety of consumer, home, agriculture and real estate loan options. The bank additionally offers business credit and merchant card services. It provides online and phone banking services for its customers. The Kaw Valley State Bank & Trust Company is a member of the Federal Reserve Bank, Federal Deposit Insurance Corporation, American Bankers Association, Independent Bankers of America, Kansas Bankers Association and Community Bankers Association. Kaw Valley maintains a location in St. Mary, Kan.