Mitzi Gilliam has been at First Southern for 42 years and worked in loans for 39 years. She has seen many changes in those years, from handwritten notes to fully digital banking. Mitzi loves serving customers and helping counsel them to make wise financial decisions. In her free time, Mitzi loves spending time with family, either camping or on the lake.


606-365-6969 Office
[email protected]
NMLS #1932053



103 Vincent Drive
P.O. Box 295
Stanford, KY 404084

Mortgage Lending

We know it takes more than wood or brick or shingles to make a home, so we provide more than just home loans. A First Southern expert will listen to your specific needs and review your financial profile to provide individualized recommendations.

Small Business Loans

We partner with business owners to provide access to the resources and guidance they need to make wise financial decisions.


A Home Equity Line of Credit can be a great option for funding home renovations or other financial needs. The equity in your home can be a tremendous asset to use when securing a loan.


When First Southern National Bank says, “We Believe In You,” it means we also believe certain things about you. We believe that you want to live a life of margin, where you can balance spending, saving, and giving. We believe that you want to make wise financial decisions to enable that kind of living.

Because we believe in you, we are here for you every step of the way.