At the turn of the century, Holly Hill was a small rural farming community where cotton was king, horse and wagon were the primary means of travel, and local folks hid or buried their savings for safety. The need for a bank was obvious, and on July 7, 1905, The Bank of Holly Hill was chartered. On September 4, 1905, with $15,000 in capital, The Bank of Holly Hill opened for business on the main road between Charleston and Columbia.

Today, under the name First National Bank of South Carolina, the bank has eight offices and more than 100 years of experience to offer its' customers, plus a full range of services including checking, savings, certificates of deposit, loans, and an ATM network.