The First Bancshares Inc

The First Bancshares Inc. operates as the bank holding company for The First Bank that provides general commercial and retail banking services. The company operates through three segments: Commercial/Retail Bank Mortgage Banking Division and Holding Company. It offers deposit services including checking NOW and savings accounts; other time deposits such as daily money market accounts and longer-term certificates of deposit; and individual retirement and health savings accounts. The company also provides commercial loans comprising secured and unsecured loans for working capital business expansion and purchase of equipment and machinery; consumer loans consisting of equity lines of credit as well as secured and unsecured loans for financing automobiles home improvements education and personal investments; and real estate construction and acquisition loans. In addition it originates loans to purchase existing residential homes or construct new homes and to refinance existing mortgages; and provides financial and wealth management services. Further the company offers internet banking services automated teller machines voice response telephone inquiry services commercial sweep accounts cash management services safe deposit boxes merchant mobile deposit direct deposit of payroll and social security checks automatic drafts for various accounts and credit card services. It primarily serves small to medium-sized businesses professional concerns individuals associations organizations and governmental authorities. The company operates in Mississippi Alabama Florida Georgia and Louisiana. The First Bancshares Inc. was incorporated in 1995 and is headquartered in Hattiesburg Mississippi.