First Financial Service Corporation operates as the holding company for First Federal Savings Bank that provides commercial banking services in Central Kentucky. The bank engages in generating deposits and generating loans. Its deposit products include checking, negotiable order of withdrawal, savings, money market, individual retirement accounts, and certificate of deposit accounts. The bank's loan portfolio comprises home equity lines of credit, auto loans, recreational vehicle, mortgage loans, commercial real estate loans, commercial loans to businesses, real estate development loans, construction lending, and agricultural lending. First Federal Savings Bank also provides federal tax depository, merchant bankcard, electronic funds transfer, debit card and credit card, and telephone and Internet banking services. In addition, the bank offers mutual funds, equity investments, and fixed and variable annuities. First Federal Savings Bank invests primarily in the U. S. treasury and agencies securities, mortgage-backed securities, equity securities, state and municipal securities, and other corporate securities. As of September 30, 2005, the bank operated 14 banking centers in 6 contiguous counties in Central Kentucky. First Financial Service Corporation was formed in 1923 and is headquartered in Elizabethtown, Kentucky.
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