Southern Community Bancshares, Inc. is a bank holding company whose business is conducted by its wholly owned subsidiary, First Community Bank of Cullman (the Bank). The Bank provides retail and commercial loans, deposits, and other financial services in its primary market area of Cullman, Alabama and the surrounding areas. The Bank’s loan portfolio includes real estate mortgage loans; commercial, financial and industrial loans; and consumer and other loans. The Bank’s personal banking includes checking, and savings and investing. Its business banking includes business first checking, business interest checking, business loans and business credit cards. Its business checking account is available to businesses, corporations, partnerships or sole proprietorships. The Bank’s real estate mortgage loans consist of loans secured by commercial and residential real estate. The Bank also offers business credit cards, consumer credit cards and others.