Southern Community Bancshares, Inc. operates as the bank holding company for First Community Bank that provides various banking products and services in northern Alabama. It accepts checking, saving, money market, individual retirement accounts, certificates of deposit, Christmas club, and kids club savings accounts. The company’s loan products include consumer, business, purchase, home improvement, refinance, construction, conventional, FHA, VA, and USDA loans, as well as commercial, financial, and industrial loans. It also provides Visa debit cards and business credit cards, and online and mobile banking services. The company was founded in 1905 and is based in Cullman, Alabama.