We are seeing progress on our downtown Athens drive thru ATM and night deposit box. Although still closed, we expect both to be functional soon and will provide updates.


Kemmie Howell

Vice President / Loan Officer


Kemmie Howell

Originally from New Mexico, Kemmie moved to Texas in 2001 as a retail manager.  With 13 years in customer service, she decided it was time for a change and came to join us at First State Bank.  Howell started her banking career in August of 2008 as a part time teller at the Malakoff location.  She quickly moved to be a Loan Administrative Assistant in May of 2009 with additional training as a Customer Service Representative.

Kemmie was recently promoted to Assistant Vice President / Loan Officer, where she serves as our head lender at the Malakoff branch. 

In her free time, Howell enjoys spending time traveling, reading and trying to be crafty.  She has been married to her husband, Bobby for 14 years and has 5 furry kids.

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