Date: Thu, 18 Dec 1997 13:27:50 GMT Server: Apache/1.2.4 Last-Modified: Wed, 17 Dec 1997 11:25:46 GMT ETag: "78df-17f6-3497b6ba" Content-Length: 6134 Accept-Ranges: bytes Connection: close Content-Type: text/html Adams National Bank





Bank Services


Service Fees

Personal Checking

Commercial Lending

Personal Investment Services

Consumer Lending

Business Checking and Commercial Services



Recognition Has Come

Adams has received the highest rating - "Outstanding" - for exceeding the standards established by the Community Reinvestment Act (CRA). CRA Requirements, by coincidence, have come to reflect a segment of Adams' target markets from the time of its inception in 1977.



Services of the Bank

The Bank offers a full range of banking services to its customers. While providing financial services to a wide-ranging customer base, including high net worth individuals, Fortune 100 corporations, small to medium-sized businesses and nonprofit and other organizations, the Bank remains committed to assisting women and minorities with access to credit opportunities for career growth and small business ownership.

The following types of services are offered by the Bank:


Commercial Services

*Loans, including working capital loans and lines of credit, a wide range of demand, term and time loans, and loans for real estate land acquisition, development and construction, equipment, inventory and accounts receivable financing.
*Cash management, including automatic overnight investment of funds.
*Collateralized repurchase agreements.
*Investments, including certificates of deposit.
*Direct deposit of payroll.
*Letters of credit.
*ExecuBanc Business Banking, a computer accessed banking service.

Retail Services

*Transaction accounts, including checking and NOW accounts.
*Money market accounts.
*Overdraft checking.
*Certificates of deposit.
*Individual retirement accounts and Keogh accounts.
*Installment and home equity loans and lines of credit.
*Residential construction and first mortgage loans.
*Direct deposit.
*24-hour automated teller machines ("ATMs") with access to the MOST and CIRRUS systems.
*24-hour telephone banking.
*VISA credit card services.
*Traveler's checks, money orders, cashier's checks and safe deposit boxes.
*Custodial services.

Commercial and consumer loans are made to corporations, partnerships and individuals, primarily on a secured basis. Commercial lending focuses on business, Capital, renovation, inventory and real estate loans. Consumer lending focuses on automobile, home equity and personal loans made on a direct, secured basis. Real estate loans are originated for both commercial and consumer purposes. Through its "Residential Express" program in affiliation with Knutson Mortgage Corporation ("Knutson"), the Bank is able to offer a variety of residential home mortgage loan products.


©1997 The Adams National Bank
Member FDIC
An Equal Housing Lender