Athens Bancshares Corporation is a holding company for Athens Federal Community Bank (the Bank). The Bank is a federally char ... tered savings bank. The Bank operates as a community oriented financial institution offering traditional financial services to consumers and businesses in its primary market area. The Bank's primary deposit products include checking, savings, certificates of deposit and IRA accounts. The Bank attracts deposits from the general public and uses those funds to originate primarily residential mortgage loans, non-residential real estate loans, construction loans, land and land development loans, multi-family real estate loans, consumer loans and commercial business loans. The Bank conducts its lending and deposit activities with individuals and small businesses in its primary market area. read more