First National Bank of Scotia was established on Jan. 1, 1923. Headquartered in Scotia, NY, it has assets in the amount of $431,131,000. Its customers are served from 10 locations throughout the Capital Region: Scotia, Niskayuna, Colonie, Guilderland, Glenville, Schenectady, Saratoga, GE Globacl Research Center, Rotterdam and Clifton Park. Bank offers: Personal & Business Banking, Commercial Lending, Residential Mortgage, Auto & Home Loans, Investment Services and Insurance Services