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First Keystone Community Bank is an independent, locally-managed, financial services institution. First Keystone Community Bank, a subsidiary of First Keystone Corporation (Stock Symbol: FKYS.ob), has been owned and operated by local men and women since 1864. First Keystone Community Bank has grown from one 18'x 25' building in Berwick PA., to 18 full-service offices throughout Columbia, Luzerne, Monroe and Montour Counties of Pennsylvania as well as a loan office in the Lehigh Valley. The bank also operates 20 ATMs, one supermarket location, and banking at home via the Internet, and telephone mobile banking. We pride ourselves by offering high quality service in response to the needs of the consumers within our market area. We focus on strong customer relationships and compete on the basis of value, convenience, and delivery of high quality services. The delivery of these services will be done by skilled, sales-oriented, customer service personnel, supported by a broad-based, experienced organization employing "state-of-the-art" technological resources. First Keystone Community Bank intends to be a good corporate citizen committing its resources (financial and human) for the betterment of the communities it serves.