Bank opened its doors on September 18, 1978 in the Little Building, located at 10 West Main Street. At inception, they were a national bank and bank’s name then was Citizens National Bank. They moved to current location at 1100 North Commerce Street in 1979. They reopened the downtown location as a branch of the bank in January 1984. In March 1997, opened trust department and officially became Citizens Bank & Trust Company.