Southern BancShares (N.C.), Inc., through its subsidiary, Southern Bank and Trust Company, provides commercial banking services to consumers and businesses primarily in the United States. It provides checking, savings, individual retirement, and certificate of deposit accounts; personal loans, which include cash reserve, vehicle leasing, home equity line, credit card, and automotive loan products; mortgage loans; and business loans, such as business leasing, reserve plus, merchant accounts, and business credit cards, as well as construction, commercial, and agriculture loan products. The company also offers online banking services, night deposit services, cashier's checks, investment and brokerage services, check cards, cell phone protection services, wire transfers, and safe deposit boxes. It operates through a network of 52 banking offices and 3 loan production offices in eastern North Carolina; and 10 banking offices in southeastern Virginia. Southern BancShares (N.C.), Inc. was founded in 1901 and is headquartered in Mount Olive, North Carolina.