FNB Bank, established in 1910, is a community bank serving several counties in West Virginia. The bank offers a variety of personal and commercial banking products, such as checking and savings accounts, money market accounts, individual retirement accounts and certificates of deposit. It also provides a range of loan products, including personal and business lines of credit, home equity lines of credit, Small Business Association loans, equipment loans and agricultural loans. In addition, FNB Bank delivers balloon mortgages, fixed-rate mortgages and adjustable-rate mortgages. The bank provides additional services, such as traveler s and cashier s checks, money orders, direct deposit, merchant card services and insurance products. FNB Bank employs more than 50 people and maintains a location in Romney, W.Va.