The group operates through its subsidiaries south alabama bank, first national bank, the monroe county bank, south alabama trust company inc, the commercial bank of demopolis and sweet water state bank. the group has 20 banking offices and 2 trust offices. the group provides banking services, which include business and personal checking accounts, money market accounts, saving accounts, certificates of deposits and overdraft protection. the extension of business and personal loans, mortgages on commercial and residential real estate, credit card privileges, letters of credit, safe deposit box facilities, mutual funds, annuities, insurance products, general banking advice and consultation and community oriented services. the group also provides general banking advice and consultation to the public and community oriented services. the company operates in escambia county, mobile bay, monroeville, demopolis and sweet water in marengo.